Chemung Financial Corp (CHMG) vs Grupo Supervielle S.A. (SUPV)

Chemung Financial Corp and Grupo Supervielle S.A. are both Banks Regional companies. Chemung Financial Corp and Grupo Supervielle S.A. are of similar size ($433.5M and $410.8M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Chemung Financial Corp trades at 10.7×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.8% against 10.2%. Chemung Financial Corp has the higher net margin (23.4% vs −3.62%) and the higher return on invested capital (15.7% vs 0.00%). Across the 17 metrics below, Chemung Financial Corp leads on 13 and Grupo Supervielle S.A. on 4.

Valuation

Metric CHMG SUPV Banks Regional median
P/E 10.68 n/m 12.02
P/S 2.50 0.30 2.36
P/B 1.51 0.60 1.23
Price to free cash flow 9.21 19.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.37% (11.05%) 8.21%
Free cash flow yield 10.86% 5.11% 9.23%

Profitability

Metric CHMG SUPV Banks Regional median
Gross margin 75.07% 54.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.36% (3.62%) 18.82%
Free cash flow margin 27.95% 1.51% 17.97%
Return on equity 14.82% (7.34%) 10.28%
Return on assets 1.39% (1.06%) 1.13%
Return on invested capital 15.69% 0.00% 8.45%

Growth

Metric CHMG SUPV Banks Regional median
Revenue growth (TTM) 18.82% 10.24% 6.37%
EPS growth (last fiscal year) (36.69%) (134.42%) 18.85%
Revenue growth, 5-year CAGR 9.85% 8.30% 12.65%
Net income growth, 5-year CAGR (4.75%) 0.00% 9.81%

Health

Metric CHMG SUPV Banks Regional median
Debt to equity 0.00 0.09 0.17
Current ratio 0.00 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHMG SUPV Banks Regional median
Dividend yield 1.62% — 2.49%
Payout ratio 0.17 — 0.29

Size

Metric CHMG SUPV Banks Regional median
Market cap 410.82m 433.52m 934.85m

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