Chemung Financial vs Orange County Bancorp
CHMG and OBT 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 OBT compare
Orange County Bancorp is the larger company, worth 1.3 times as much as Chemung Financial ($537M against $410M).
On earnings, Chemung Financial is cheaper: it trades at 10.7× trailing earnings, against 10.7× for Orange County Bancorp.
Chemung Financial grew revenue faster over the last twelve months (36.6% versus 5.5% for Orange County Bancorp).
Orange County Bancorp keeps more of each dollar of sales as profit, with a net margin of 38.9% compared with 31.1% at Chemung Financial.
Both pay dividends: Chemung Financial yields 1.6% and Orange County Bancorp 1.8%.
Orange County Bancorp scores higher on the StockData Score (19 against 17 for Chemung Financial), 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 | OBT |
|---|---|---|
| Size and price | ||
| Market cap | $410M | $537M |
| Share price | $85.11 | $40.03 |
| Change, 1 year | 62.7% | 53.6% |
| Change, 5 years | 86.2% | 112% |
| Beta (5Y) | 0.34 | 0.36 |
| Employees | 348 | 33 |
| StockData Score | ||
| Total score | 17 | 19 (better) |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 3 (better) |
| Performance score | 4 | 6 (better) |
| Health score | 5 | 5 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.7× (better) | 10.7× |
| P/S | 3.3× (better) | 4.2× |
| P/B | 1.5× (better) | 1.7× |
| P/FCF | 9.3× | 8.7× (better) |
| PEG | – | 0.70 |
| FCF yield | 10.8% | 11.5% (better) |
| Fair value | $74.85 | $36.77 |
| Margin of safety | −13.7% | −8.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 36.6% (better) | 5.5% |
| Revenue growth, 5Y average | 2.5% | 16.2% (better) |
| Net income growth (TTM) | 190% (better) | 37.2% |
| EPS growth (TTM) | 188% (better) | 23.5% |
| EPS growth, 5Y average | −4.8% | 20.8% (better) |
| Profitability | ||
| Net margin | 31.1% | 38.9% (better) |
| FCF margin | 35.8% | 48.0% (better) |
| Return on equity | 14.8% | 17.2% (better) |
| Financial health | ||
| Altman Z-score | 0.28 | 0.28 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 1.8% (better) |
| Payout ratio | 17.3% | 19.3% |
| Years of dividend growth | 1 | 4 (better) |
| Dividend growth, 5Y average | 4.9% | 7.3% (better) |
| Buyback yield | 0.13% | – |
| Shareholder yield | 1.8% | 1.8% (better) |
| Ownership | ||
| Held by institutions | 49.8% | 54.0% |
| Held by insiders | 13.0% | 8.5% |
| Insider net buying, 12 months | −$734K | −$276K (better) |
| Short interest, % of float | 4.6% | 0.87% |
Go deeper
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
- OBT stock overview
- OBT income statement
- OBT valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.