Chemung Financial vs Citizens & Northern
CHMG and CZNC 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 CZNC compare
Citizens & Northern is the larger company, worth 1.2 times as much as Chemung Financial ($504M against $410M).
On earnings, Chemung Financial is cheaper: it trades at 10.7× trailing earnings, against 14.2× for Citizens & Northern.
Chemung Financial grew revenue faster over the last twelve months (36.6% versus 33.9% for Citizens & Northern).
Chemung Financial keeps more of each dollar of sales as profit, with a net margin of 31.1% compared with 23.0% at Citizens & Northern.
Both pay dividends: Chemung Financial yields 1.6% and Citizens & Northern 4.1%.
Chemung Financial scores higher on the StockData Score (17 against 14 for Citizens & Northern), 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 | CZNC |
|---|---|---|
| Size and price | ||
| Market cap | $410M | $504M |
| Share price | $85.11 | $28.12 |
| Change, 1 year | 62.7% | 44.9% |
| Change, 5 years | 86.2% | 5.8% |
| Beta (5Y) | 0.34 | 0.42 |
| Employees | 348 | 460 |
| StockData Score | ||
| Total score | 17 (better) | 14 |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 4 (better) | 2 |
| Health score | 5 | 5 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.7× (better) | 14.2× |
| P/S | 3.3× | 3.3× (better) |
| P/B | 1.5× | 1.5× (better) |
| P/FCF | 9.3× (better) | 9.7× |
| FCF yield | 10.8% (better) | 10.3% |
| Fair value | $74.85 | $24.05 |
| Margin of safety | −13.7% (better) | −16.9% |
| Growth | ||
| Revenue growth (TTM) | 36.6% (better) | 33.9% |
| Revenue growth, 5Y average | 2.5% | 5.9% (better) |
| Net income growth (TTM) | 190% (better) | 29.3% |
| EPS growth (TTM) | 188% (better) | 12.5% |
| EPS growth, 5Y average | −4.8% | – |
| Profitability | ||
| Net margin | 31.1% (better) | 23.0% |
| FCF margin | 35.8% (better) | 34.0% |
| Return on equity | 14.8% (better) | 11.0% |
| Financial health | ||
| Debt / equity | – | 0.01 |
| Altman Z-score | 0.28 (better) | 0.24 |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 4.1% (better) |
| Payout ratio | 17.3% | 52.1% |
| Years of dividend growth | 1 | – |
| Dividend growth, 5Y average | 4.9% | – |
| Buyback yield | 0.13% | – |
| Shareholder yield | 1.8% | 4.1% (better) |
| Ownership | ||
| Held by institutions | 49.8% | 33.3% |
| Held by insiders | 13.0% | 4.9% |
| Insider net buying, 12 months | −$734K | −$6.5K (better) |
| Short interest, % of float | 4.6% | 1.6% |
Go deeper
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
- CZNC stock overview
- CZNC income statement
- CZNC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.