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Chemung Financial Corp (CHMG) vs FIRST CAROL FIN (FCBM)

Chemung Financial Corp and FIRST CAROL FIN are both Banks Regional companies. Chemung Financial Corp and FIRST CAROL FIN are of similar size ($417.6M and $400.2M). Across the 5 metrics below, Chemung Financial Corp leads on 3 and FIRST CAROL FIN on 2.

Valuation

Metric CHMG FCBM Banks Regional median
P/E 12.58 — 12.46
P/S 2.61 n/m 2.41
P/B 1.57 0.75 1.26
Price to free cash flow 9.30 n/m 11.00
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 7.95% — 7.96%
Free cash flow yield 10.76% 0.00% 8.80%

Profitability

Metric CHMG FCBM Banks Regional median
Gross margin 74.23% — 69.75%
Operating margin 0.00% — 0.00%
Net margin 20.68% — 18.88%
Free cash flow margin 28.10% — 17.28%
Return on equity 13.28% — 10.43%
Return on assets 1.18% — 1.14%
Return on invested capital 8.26% 0.00% 8.47%

Growth

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

Health

Metric CHMG FCBM Banks Regional median
Debt to equity 0.51 0.15 0.20
Current ratio 1.04 0.98 0.94
Net debt to EBITDA 0.00 — 0.00

Dividend

Metric CHMG FCBM Banks Regional median
Dividend yield 1.58% — 2.64%
Payout ratio 0.20 — 0.32

Size

Metric CHMG FCBM Banks Regional median
Market cap 417.55m 400.17m 910.32m

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