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Chemung Financial Corp (CHMG) vs PCB Bancorp (PCB)

Chemung Financial Corp and PCB Bancorp are both Banks Regional companies. Chemung Financial Corp and PCB Bancorp are of similar size ($424.1M and $410.8M). PCB Bancorp trades at the lower P/E: 10.2× against 10.7×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.8% against 3.68%. Chemung Financial Corp has the higher net margin (23.4% vs 0.00%) and the higher return on invested capital (15.7% vs 0.00%). Both pay a dividend; PCB Bancorp yields more (2.84% vs 1.62%). Across the 17 metrics below, Chemung Financial Corp leads on 9 and PCB Bancorp on 8.

Valuation

Metric CHMG PCB Banks Regional median
P/E 10.68 10.18 12.02
P/S 2.50 1.98 2.36
P/B 1.51 1.27 1.23
Price to free cash flow 9.21 10.60 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.37% 9.82% 8.21%
Free cash flow yield 10.86% 9.43% 9.23%

Profitability

Metric CHMG PCB Banks Regional median
Gross margin 75.07% 57.24% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.36% 0.00% 18.82%
Free cash flow margin 27.95% 18.63% 17.97%
Return on equity 14.82% 0.00% 10.28%
Return on assets 1.39% 0.00% 1.13%
Return on invested capital 15.69% 0.00% 8.45%

Growth

Metric CHMG PCB Banks Regional median
Revenue growth (TTM) 18.82% 3.68% 6.37%
EPS growth (last fiscal year) (36.69%) 48.28% 18.85%
Revenue growth, 5-year CAGR 9.85% 18.00% 12.65%
Net income growth, 5-year CAGR (4.75%) 17.91% 9.81%

Health

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

Dividend

Metric CHMG PCB Banks Regional median
Dividend yield 1.62% 2.84% 2.49%
Payout ratio 0.17 0.29 0.29

Size

Metric CHMG PCB Banks Regional median
Market cap 410.82m 424.10m 934.85m

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