C & F Financial vs Chemung Financial
CFFI 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 CFFI and CHMG compare
Chemung Financial is the larger company, worth 1.2 times as much as C & F Financial ($410M against $345M).
On earnings, Chemung Financial is cheaper: it trades at 10.7× trailing earnings, against 11.4× for C & F Financial.
Chemung Financial grew revenue faster over the last twelve months (36.6% versus 10.4% for C & F Financial).
Chemung Financial keeps more of each dollar of sales as profit, with a net margin of 31.1% compared with 20.0% at C & F Financial.
Both pay dividends: C & F Financial yields 1.8% and Chemung Financial 1.6%.
Chemung Financial scores higher on the StockData Score (17 against 15 for C & F 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 | CFFI | CHMG |
|---|---|---|
| Size and price | ||
| Market cap | $345M | $410M |
| Share price | $106.00 | $85.11 |
| Change, 1 year | 51.9% | 62.7% |
| Change, 5 years | 115% | 86.2% |
| Beta (5Y) | 0.44 | 0.34 |
| Employees | 575 | 348 |
| StockData Score | ||
| Total score | 15 | 17 (better) |
| Valuation score | 2 | 2 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 4 |
| Health score | 4 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.4× | 10.7× (better) |
| P/S | 2.3× (better) | 3.3× |
| P/B | 1.3× (better) | 1.5× |
| P/FCF | 8.2× (better) | 9.3× |
| FCF yield | 12.2% (better) | 10.8% |
| Fair value | $92.89 | $74.85 |
| Margin of safety | −14.1% | −13.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.4% | 36.6% (better) |
| Revenue growth, 5Y average | 0.39% | 2.5% (better) |
| Net income growth (TTM) | 15.7% | 190% (better) |
| EPS growth (TTM) | 15.5% | 188% (better) |
| EPS growth, 5Y average | 6.5% (better) | −4.8% |
| Profitability | ||
| Net margin | 20.0% | 31.1% (better) |
| FCF margin | 27.9% | 35.8% (better) |
| Return on equity | 11.6% | 14.8% (better) |
| Financial health | ||
| Altman Z-score | 0.28 (better) | 0.28 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.8% (better) | 1.6% |
| Payout ratio | 20.4% | 17.3% |
| Years of dividend growth | 1 | 1 |
| Dividend growth, 5Y average | 3.9% | 4.9% (better) |
| Buyback yield | 0.44% (better) | 0.13% |
| Shareholder yield | 2.2% (better) | 1.8% |
| Ownership | ||
| Held by institutions | 41.6% | 49.8% |
| Held by insiders | 7.0% | 13.0% |
| Insider net buying, 12 months | −$834K | −$734K (better) |
| Short interest, % of float | 2.3% | 4.6% |
Go deeper
- CFFI stock overview
- CFFI income statement
- CFFI 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.