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Chemung Financial Corp (CHMG) vs Plumas Bancorp (PLBC)

Chemung Financial Corp and Plumas Bancorp are both Banks Regional companies. Chemung Financial Corp and Plumas Bancorp are of similar size ($435.6M and $410.8M). Plumas Bancorp trades at the lower P/E: 10.4× against 10.7×. Plumas Bancorp grew revenue faster over the last twelve months: 29.6% against 18.8%. Plumas Bancorp has the higher net margin (31.7% vs 23.4%) and the higher return on invested capital (23.1% vs 15.7%). Both pay a dividend; Plumas Bancorp yields more (2.11% vs 1.62%). Across the 18 metrics below, Plumas Bancorp leads on 14 and Chemung Financial Corp on 4.

Valuation

Metric CHMG PLBC Banks Regional median
P/E 10.68 10.36 12.02
P/S 2.50 3.28 2.36
P/B 1.51 1.66 1.23
Price to free cash flow 9.21 9.40 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.37% 9.66% 8.21%
Free cash flow yield 10.86% 10.63% 9.23%

Profitability

Metric CHMG PLBC Banks Regional median
Gross margin 75.07% 86.55% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.36% 31.72% 18.82%
Free cash flow margin 27.95% 31.85% 17.97%
Return on equity 14.82% 16.55% 10.28%
Return on assets 1.39% 1.87% 1.13%
Return on invested capital 15.69% 23.14% 8.45%

Growth

Metric CHMG PLBC Banks Regional median
Revenue growth (TTM) 18.82% 29.63% 6.37%
EPS growth (last fiscal year) (36.69%) (5.42%) 18.85%
Revenue growth, 5-year CAGR 9.85% 18.46% 12.65%
Net income growth, 5-year CAGR (4.75%) 15.39% 9.81%

Health

Metric CHMG PLBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.00 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG PLBC Banks Regional median
Dividend yield 1.62% 2.11% 2.49%
Payout ratio 0.17 0.22 0.29

Size

Metric CHMG PLBC Banks Regional median
Market cap 410.82m 435.57m 934.85m

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