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Colony Bankcorp, Inc. (CBAN) vs Chemung Financial Corp (CHMG)

Colony Bankcorp, Inc. and Chemung Financial Corp are both Banks Regional companies. Colony Bankcorp, Inc. and Chemung Financial Corp are of similar size ($431.6M and $417.6M). Colony Bankcorp, Inc. trades at the lower P/E: 12.5× against 12.6×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.5% against 16.3%. Chemung Financial Corp has the higher net margin (20.7% vs 15.4%) and the higher return on invested capital (8.26% vs 6.15%). Both pay a dividend; Colony Bankcorp, Inc. yields more (2.88% vs 1.58%). Across the 19 metrics below, Chemung Financial Corp leads on 11 and Colony Bankcorp, Inc. on 8.

Valuation

Metric CBAN CHMG Banks Regional median
P/E 12.51 12.58 12.46
P/S 2.06 2.61 2.41
P/B 1.12 1.57 1.26
Price to free cash flow 19.21 9.30 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.99% 7.95% 7.96%
Free cash flow yield 5.20% 10.76% 8.80%

Profitability

Metric CBAN CHMG Banks Regional median
Gross margin 71.44% 74.23% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.42% 20.68% 18.88%
Free cash flow margin 10.71% 28.10% 17.28%
Return on equity 9.57% 13.28% 10.43%
Return on assets 0.97% 1.18% 1.14%
Return on invested capital 6.15% 8.26% 8.47%

Growth

Metric CBAN CHMG Banks Regional median
Revenue growth (TTM) 16.31% 18.50% 6.94%
EPS growth (last fiscal year) 16.91% (36.69%) 18.88%
Revenue growth, 5-year CAGR 16.84% 9.85% 12.56%
Net income growth, 5-year CAGR 19.05% (4.75%) 9.78%

Health

Metric CBAN CHMG Banks Regional median
Debt to equity 0.60 0.51 0.20
Current ratio 0.88 1.04 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBAN CHMG Banks Regional median
Dividend yield 2.88% 1.58% 2.64%
Payout ratio 0.36 0.20 0.32

Size

Metric CBAN CHMG Banks Regional median
Market cap 431.63m 417.55m 910.32m

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