Pricing Log in Create free account

Chemung Financial Corp (CHMG) vs Citizens Financial Services Inc. (CZFS)

Chemung Financial Corp and Citizens Financial Services Inc. are both Banks Regional companies. Chemung Financial Corp and Citizens Financial Services Inc. are of similar size ($413.9M and $410.8M). Citizens Financial Services Inc. trades at the lower P/E: 9.6× against 10.7×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.8% against 4.45%. Citizens Financial Services Inc. has the higher net margin (23.9% vs 23.4%) and the lower return on invested capital (0.00% vs 15.7%). Both pay a dividend; Citizens Financial Services Inc. yields more (2.36% vs 1.62%). Across the 18 metrics below, Chemung Financial Corp leads on 9 and Citizens Financial Services Inc. on 9.

Valuation

Metric CHMG CZFS Banks Regional median
P/E 10.68 9.55 12.02
P/S 2.50 2.28 2.36
P/B 1.51 1.17 1.23
Price to free cash flow 9.21 10.47 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.37% 10.47% 8.21%
Free cash flow yield 10.86% 9.55% 9.23%

Profitability

Metric CHMG CZFS Banks Regional median
Gross margin 75.07% 67.14% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.36% 23.90% 18.82%
Free cash flow margin 27.95% 21.81% 17.97%
Return on equity 14.82% 12.66% 10.28%
Return on assets 1.39% 1.33% 1.13%
Return on invested capital 15.69% 0.00% 8.45%

Growth

Metric CHMG CZFS Banks Regional median
Revenue growth (TTM) 18.82% 4.45% 6.37%
EPS growth (last fiscal year) (36.69%) 30.26% 18.85%
Revenue growth, 5-year CAGR 9.85% 16.25% 12.65%
Net income growth, 5-year CAGR (4.75%) 7.82% 9.81%

Health

Metric CHMG CZFS Banks Regional median
Debt to equity 0.00 1.46 0.17
Current ratio 0.00 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG CZFS Banks Regional median
Dividend yield 1.62% 2.36% 2.49%
Payout ratio 0.17 0.23 0.29

Size

Metric CHMG CZFS Banks Regional median
Market cap 410.82m 413.91m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack