ACNB vs Chemung Financial
ACNB and CHMG side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ACNB and CHMG compare
ACNB is the larger company, worth 1.7 times as much as Chemung Financial ($683M against $410M).
On earnings, Chemung Financial is cheaper: it trades at 10.7× trailing earnings, against 12.4× for ACNB.
Chemung Financial grew revenue faster over the last twelve months (36.6% versus 14.8% for ACNB).
Chemung Financial keeps more of each dollar of sales as profit, with a net margin of 31.1% compared with 27.2% at ACNB.
Both pay dividends: ACNB yields 3.1% and Chemung Financial 1.6%.
Chemung Financial scores higher on the StockData Score (17 against 15 for ACNB), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ACNB | CHMG |
|---|---|---|
| Size and price | ||
| Market cap | $683M | $410M |
| Share price | $67.20 | $85.11 |
| Change, 1 year | 40.4% | 62.7% |
| Change, 5 years | 135% | 86.2% |
| Beta (5Y) | 0.56 | 0.34 |
| Employees | 537 | 348 |
| StockData Score | ||
| Total score | 15 | 17 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 4 | 4 |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.4× | 10.7× (better) |
| P/S | 3.3× | 3.3× (better) |
| P/B | 1.6× | 1.5× (better) |
| EV/EBITDA | 6.2× | – |
| P/FCF | 8.7× (better) | 9.3× |
| FCF yield | 11.5% (better) | 10.8% |
| Fair value | $56.49 | $74.85 |
| Margin of safety | −19.0% | −13.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 14.8% | 36.6% (better) |
| Revenue growth, 5Y average | 15.5% (better) | 2.5% |
| Net income growth (TTM) | 68.8% | 190% (better) |
| EPS growth (TTM) | 65.1% | 188% (better) |
| EPS growth, 5Y average | – | −4.8% |
| Profitability | ||
| Net margin | 27.2% | 31.1% (better) |
| FCF margin | 38.6% (better) | 35.8% |
| Return on equity | 13.4% | 14.8% (better) |
| Financial health | ||
| Debt / equity | 0.28 | – |
| Net debt / EBITDA | 0.24 | – |
| Altman Z-score | 0.32 (better) | 0.28 |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 1.6% |
| Payout ratio | 38.6% | 17.3% |
| Years of dividend growth | 8 (better) | 1 |
| Dividend growth, 5Y average | 6.7% (better) | 4.9% |
| Buyback yield | 2.2% (better) | 0.13% |
| Shareholder yield | 5.3% (better) | 1.8% |
| Ownership | ||
| Held by institutions | 40.7% | 49.8% |
| Held by insiders | 4.2% | 13.0% |
| Insider net buying, 12 months | −$606K (better) | −$734K |
| Short interest, % of float | 5.8% | 4.6% |
Go deeper
- ACNB stock overview
- ACNB income statement
- ACNB valuation and score
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.