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

Chemung Financial Corp and RBB Bancorp are both Banks Regional companies. Chemung Financial Corp and RBB Bancorp are of similar size ($429.9M and $417.6M). RBB Bancorp trades at the lower P/E: 10.7× against 12.6×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.5% against 3.04%. Chemung Financial Corp has the higher net margin (20.7% vs 17.3%) and the higher return on invested capital (8.26% vs 6.37%). Both pay a dividend; RBB Bancorp yields more (2.45% vs 1.58%). Across the 19 metrics below, RBB Bancorp leads on 10 and Chemung Financial Corp on 9.

Valuation

Metric CHMG RBB Banks Regional median
P/E 12.58 10.67 12.46
P/S 2.61 1.84 2.41
P/B 1.57 0.83 1.26
Price to free cash flow 9.30 8.16 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.95% 9.37% 7.96%
Free cash flow yield 10.76% 12.25% 8.80%

Profitability

Metric CHMG RBB Banks Regional median
Gross margin 74.23% 54.87% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.68% 17.26% 18.88%
Free cash flow margin 28.10% 23.01% 17.28%
Return on equity 13.28% 7.93% 10.43%
Return on assets 1.18% 1.00% 1.14%
Return on invested capital 8.26% 6.37% 8.47%

Growth

Metric CHMG RBB Banks Regional median
Revenue growth (TTM) 18.50% 3.04% 6.94%
EPS growth (last fiscal year) (36.69%) 24.49% 18.88%
Revenue growth, 5-year CAGR 9.85% 9.22% 12.56%
Net income growth, 5-year CAGR (4.75%) (0.60%) 9.78%

Health

Metric CHMG RBB Banks Regional median
Debt to equity 0.51 0.55 0.20
Current ratio 1.04 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG RBB Banks Regional median
Dividend yield 1.58% 2.45% 2.64%
Payout ratio 0.20 0.26 0.32

Size

Metric CHMG RBB Banks Regional median
Market cap 417.55m 429.93m 910.32m

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