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Screener Weekly Summary Pricing

Chemung Financial Corp (CHMG) vs Investar Holding Corporation (ISTR)

Chemung Financial Corp and Investar Holding Corporation are both Banks Regional companies. Chemung Financial Corp and Investar Holding Corporation are of similar size ($405.0M and $395.8M). Chemung Financial Corp trades at the lower P/E: 11.8× against 16.7×. Investar Holding Corporation grew revenue faster over the last twelve months: 23.2% against 18.5%. Chemung Financial Corp has the higher net margin (20.7% vs 16.5%) and the higher return on invested capital (8.26% vs 5.78%). Both pay a dividend; Chemung Financial Corp yields more (2.84% vs 2.34%). Across the 20 metrics below, Chemung Financial Corp leads on 13 and Investar Holding Corporation on 7.

Valuation

Metric CHMG ISTR Banks Regional median
P/E 11.78 16.74 12.15
P/S 2.45 2.12 2.37
P/B 1.47 1.04 1.21
Price to free cash flow 8.71 16.08 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.84 2.54 2.27
Earnings yield 8.49% 5.98% 8.11%
Free cash flow yield 11.48% 6.22% 8.98%

Profitability

Metric CHMG ISTR Banks Regional median
Gross margin 74.23% 62.55% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.68% 16.45% 18.66%
Free cash flow margin 28.10% 13.24% 21.18%
Return on equity 13.28% 9.76% 10.64%
Return on assets 1.18% 0.95% 1.13%
Return on invested capital 8.26% 5.78% 8.33%

Growth

Metric CHMG ISTR Banks Regional median
Revenue growth (TTM) 18.50% 23.18% 6.61%
EPS growth (last fiscal year) (36.69%) 4.41% —
Revenue growth, 5-year CAGR 9.85% 7.71% 12.30%
Net income growth, 5-year CAGR (4.75%) 9.60% 9.71%

Health

Metric CHMG ISTR Banks Regional median
Debt to equity 0.51 0.36 0.22
Current ratio 1.04 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG ISTR Banks Regional median
Dividend yield 2.84% 2.34% 3.75%
Payout ratio 0.21 0.14 0.27

Size

Metric CHMG ISTR Banks Regional median
Market cap 395.79m 405.04m 921.07m

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