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Chemung Financial Corp (CHMG) vs First Bancorp, Inc (ME) (FNLC)

Chemung Financial Corp and First Bancorp, Inc (ME) are both Banks Regional companies. Chemung Financial Corp and First Bancorp, Inc (ME) are of similar size ($383.8M and $381.4M). First Bancorp, Inc (ME) trades at the lower P/E: 10.1× against 11.6×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.5% against 3.78%. First Bancorp, Inc (ME) has the higher net margin (21.1% vs 20.7%) and the higher return on invested capital (9.70% vs 8.26%). Both pay a dividend; First Bancorp, Inc (ME) yields more (4.36% vs 1.71%). Across the 18 metrics below, First Bancorp, Inc (ME) leads on 12 and Chemung Financial Corp on 6.

Valuation

Metric CHMG FNLC Banks Regional median
P/E 11.61 10.08 11.98
P/S 2.41 2.13 2.34
P/B 1.45 1.30 1.19
Price to free cash flow 8.58 10.74 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.61% 9.92% 8.23%
Free cash flow yield 11.65% 9.32% 9.08%

Profitability

Metric CHMG FNLC Banks Regional median
Gross margin 74.23% 56.60% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.68% 21.12% 18.66%
Free cash flow margin 28.10% 19.89% 21.11%
Return on equity 13.28% 13.54% 10.65%
Return on assets 1.18% 1.18% 1.13%
Return on invested capital 8.26% 9.70% 8.35%

Growth

Metric CHMG FNLC Banks Regional median
Revenue growth (TTM) 18.50% 3.78% 6.98%
EPS growth (last fiscal year) (36.69%) 26.34% 18.88%
Revenue growth, 5-year CAGR 9.85% 13.27% 12.38%
Net income growth, 5-year CAGR (4.75%) 4.86% 9.71%

Health

Metric CHMG FNLC Banks Regional median
Debt to equity 0.51 0.12 0.22
Current ratio 1.04 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG FNLC Banks Regional median
Dividend yield 1.71% 4.36% 2.57%
Payout ratio 0.20 0.45 0.30

Size

Metric CHMG FNLC Banks Regional median
Market cap 383.78m 381.35m 913.33m

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