Chemung Financial vs ChoiceOne Financial Services
CHMG and COFS side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CHMG and COFS compare
ChoiceOne Financial Services is the larger company, worth 1.3 times as much as Chemung Financial ($552M against $410M).
ChoiceOne Financial Services grew revenue faster over the last twelve months (43.5% versus 36.6% for Chemung Financial).
ChoiceOne Financial Services keeps more of each dollar of sales as profit, with a net margin of 41.8% compared with 31.1% at Chemung Financial.
Both pay dividends: Chemung Financial yields 1.6% and ChoiceOne Financial Services 3.1%.
Chemung Financial scores higher on the StockData Score (17 against 14 for ChoiceOne Financial Services), 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 | CHMG | COFS |
|---|---|---|
| Size and price | ||
| Market cap | $410M | $552M |
| Share price | $85.11 | $36.91 |
| Change, 1 year | 62.7% | 25.4% |
| Change, 5 years | 86.2% | 43.0% |
| Beta (5Y) | 0.34 | 0.54 |
| Employees | 348 | 598 |
| StockData Score | ||
| Total score | 17 (better) | 14 |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 3 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 5 (better) | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.7× | – |
| P/S | 3.3× (better) | 4.2× |
| P/B | 1.5× | 1.2× (better) |
| P/FCF | 9.3× (better) | 10.6× |
| FCF yield | 10.8% (better) | 9.4% |
| Fair value | $74.85 | – |
| Margin of safety | −13.7% | – |
| Growth | ||
| Revenue growth (TTM) | 36.6% | 43.5% (better) |
| Revenue growth, 5Y average | 2.5% | 25.3% (better) |
| Net income growth (TTM) | 190% (better) | 154% |
| EPS growth (TTM) | 188% | – |
| EPS growth, 5Y average | −4.8% | −0.59% (better) |
| Profitability | ||
| Net margin | 31.1% | 41.8% (better) |
| FCF margin | 35.8% | 39.7% (better) |
| Return on equity | 14.8% (better) | 11.9% |
| Financial health | ||
| Altman Z-score | 0.28 (better) | 0.15 |
| Piotroski F-score | 4 | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 3.1% (better) |
| Payout ratio | 17.3% | 31.8% |
| Years of dividend growth | 1 | 5 (better) |
| Dividend growth, 5Y average | 4.9% | 6.6% (better) |
| Buyback yield | 0.13% | 1.0% (better) |
| Shareholder yield | 1.8% | 4.2% (better) |
| Ownership | ||
| Held by institutions | 49.8% | 46.8% |
| Held by insiders | 13.0% | 6.6% |
| Insider net buying, 12 months | −$734K | −$182K (better) |
| Short interest, % of float | 4.6% | 2.7% |
Go deeper
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
- COFS stock overview
- COFS income statement
- COFS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.