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Side-by-side financial comparison of COMMUNITY FINANCIAL SYSTEM, INC. (CBU) and Navigator Holdings Ltd. (NVGS). Click either name above to swap in a different company.

COMMUNITY FINANCIAL SYSTEM, INC. is the larger business by last-quarter revenue ($214.5M vs $129.6M, roughly 1.7× Navigator Holdings Ltd.). COMMUNITY FINANCIAL SYSTEM, INC. runs the higher net margin — 26.7% vs 16.5%, a 10.1% gap on every dollar of revenue. On growth, COMMUNITY FINANCIAL SYSTEM, INC. posted the faster year-over-year revenue change (8.7% vs -11.6%).

Community Health Systems (CHS) is a Fortune 500 company based in Franklin, Tennessee. It was the largest provider of general hospital healthcare services in the United States in terms of number of acute care facilities. In 2014, CHS had around 200 hospitals, but the number had declined to around 85 in 2021.

Navigator Holdings Ltd. is a global maritime transport firm specializing in liquefied gas carrier operations. It offers seaborne transport for liquefied petroleum gas, ammonia, ethylene and other specialty liquefied gases, serving clients across the global energy, petrochemical and industrial manufacturing sectors.

CBU vs NVGS — Head-to-Head

Bigger by revenue
CBU
CBU
1.7× larger
CBU
$214.5M
$129.6M
NVGS
Growing faster (revenue YoY)
CBU
CBU
+20.3% gap
CBU
8.7%
-11.6%
NVGS
Higher net margin
CBU
CBU
10.1% more per $
CBU
26.7%
16.5%
NVGS

Income Statement — Q1 FY2026 vs Q2 FY2025

Metric
CBU
CBU
NVGS
NVGS
Revenue
$214.5M
$129.6M
Net Profit
$57.2M
$21.5M
Gross Margin
Operating Margin
15.8%
Net Margin
26.7%
16.5%
Revenue YoY
8.7%
-11.6%
Net Profit YoY
15.3%
-7.7%
EPS (diluted)
$1.15
$0.31

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CBU
CBU
NVGS
NVGS
Q1 26
$214.5M
Q4 25
$217.0M
Q3 25
$208.1M
Q2 25
$200.5M
$129.6M
Q1 25
$197.3M
Q4 24
$197.4M
Q3 24
$190.3M
Q2 24
$184.3M
$146.7M
Net Profit
CBU
CBU
NVGS
NVGS
Q1 26
$57.2M
Q4 25
$54.4M
Q3 25
$55.1M
Q2 25
$51.3M
$21.5M
Q1 25
$49.6M
Q4 24
$49.8M
Q3 24
$43.9M
Q2 24
$47.9M
$23.2M
Operating Margin
CBU
CBU
NVGS
NVGS
Q1 26
Q4 25
33.1%
Q3 25
35.2%
Q2 25
32.9%
15.8%
Q1 25
32.6%
Q4 24
32.7%
Q3 24
30.0%
Q2 24
33.7%
26.9%
Net Margin
CBU
CBU
NVGS
NVGS
Q1 26
26.7%
Q4 25
25.1%
Q3 25
26.5%
Q2 25
25.6%
16.5%
Q1 25
25.1%
Q4 24
25.2%
Q3 24
23.1%
Q2 24
26.0%
15.8%
EPS (diluted)
CBU
CBU
NVGS
NVGS
Q1 26
$1.15
Q4 25
$1.03
Q3 25
$1.04
Q2 25
$0.97
$0.31
Q1 25
$0.93
Q4 24
$0.94
Q3 24
$0.83
Q2 24
$0.91
$0.32

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CBU
CBU
NVGS
NVGS
Cash + ST InvestmentsLiquidity on hand
$572.2M
$238.1M
Total DebtLower is stronger
Stockholders' EquityBook value
$2.0B
$1.2B
Total Assets
$17.5B
$2.4B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CBU
CBU
NVGS
NVGS
Q1 26
$572.2M
Q4 25
$301.8M
Q3 25
$245.2M
Q2 25
$237.2M
$238.1M
Q1 25
$518.0M
Q4 24
$197.0M
Q3 24
$346.1M
Q2 24
$201.5M
Total Debt
CBU
CBU
NVGS
NVGS
Q1 26
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
$990.2M
Q3 24
Q2 24
Stockholders' Equity
CBU
CBU
NVGS
NVGS
Q1 26
$2.0B
Q4 25
$2.0B
Q3 25
$1.9B
Q2 25
$1.9B
$1.2B
Q1 25
$1.8B
Q4 24
$1.8B
Q3 24
$1.8B
Q2 24
$1.7B
$1.2B
Total Assets
CBU
CBU
NVGS
NVGS
Q1 26
$17.5B
Q4 25
$17.3B
Q3 25
$17.0B
Q2 25
$16.7B
$2.4B
Q1 25
$16.8B
Q4 24
$16.4B
Q3 24
$16.4B
Q2 24
$15.9B
$2.1B
Debt / Equity
CBU
CBU
NVGS
NVGS
Q1 26
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
0.56×
Q3 24
Q2 24

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

CBU
CBU

Segment breakdown not available.

NVGS
NVGS

Time Charters$91.5M71%
Voyage Charters$25.7M20%
Other$12.4M10%

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