Chemung Financial Corp (CHMG) vs USCB Financial Holdings, Inc. (USCB)
Chemung Financial Corp and USCB Financial Holdings, Inc. are both Banks Regional companies. Chemung Financial Corp and USCB Financial Holdings, Inc. are of similar size ($418.8M and $395.8M). Chemung Financial Corp trades at the lower P/E: 11.8× against 14.7×. Chemung Financial Corp grew revenue faster over the last twelve months: 18.5% against 4.72%. Chemung Financial Corp has the higher net margin (20.7% vs 18.1%) and the higher return on invested capital (8.26% vs 6.24%). Both pay a dividend; Chemung Financial Corp yields more (2.84% vs 0.87%). Across the 20 metrics below, Chemung Financial Corp leads on 14 and USCB Financial Holdings, Inc. on 6.
Valuation
Profitability
| Metric | CHMG | USCB | Banks Regional median |
|---|---|---|---|
| Gross margin | 74.23% | 61.02% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 20.68% | 18.05% | 18.66% |
| Free cash flow margin | 28.10% | 30.84% | 21.18% |
| Return on equity | 13.28% | 12.36% | 10.64% |
| Return on assets | 1.18% | 1.00% | 1.13% |
| Return on invested capital | 8.26% | 6.24% | 8.33% |
Growth
Health
Dividend
Size
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