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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 ($383.8M and $380.6M). Citizens Financial Services Inc. trades at the lower P/E: 9.4× against 11.6×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.5% against 3.35%. Citizens Financial Services Inc. has the higher net margin (23.3% vs 20.7%) and the lower return on invested capital (4.48% vs 8.26%). Both pay a dividend; Citizens Financial Services Inc. yields more (2.52% vs 1.71%). Across the 19 metrics below, Citizens Financial Services Inc. leads on 10 and Chemung Financial Corp on 9.

Valuation

Metric CHMG CZFS Banks Regional median
P/E 11.61 9.37 11.98
P/S 2.41 2.18 2.34
P/B 1.45 1.09 1.19
Price to free cash flow 8.58 10.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.61% 10.67% 8.23%
Free cash flow yield 11.65% 9.59% 9.08%

Profitability

Metric CHMG CZFS Banks Regional median
Gross margin 74.23% 67.06% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.68% 23.31% 18.66%
Free cash flow margin 28.10% 20.95% 21.11%
Return on equity 13.28% 12.32% 10.65%
Return on assets 1.18% 1.33% 1.13%
Return on invested capital 8.26% 4.48% 8.35%

Growth

Metric CHMG CZFS Banks Regional median
Revenue growth (TTM) 18.50% 3.35% 6.98%
EPS growth (last fiscal year) (36.69%) 30.26% 18.88%
Revenue growth, 5-year CAGR 9.85% 16.25% 12.38%
Net income growth, 5-year CAGR (4.75%) 7.82% 9.71%

Health

Metric CHMG CZFS Banks Regional median
Debt to equity 0.51 1.12 0.22
Current ratio 1.04 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG CZFS Banks Regional median
Dividend yield 1.71% 2.52% 2.57%
Payout ratio 0.20 0.24 0.30

Size

Metric CHMG CZFS Banks Regional median
Market cap 383.78m 380.56m 913.33m

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