Chemung Financial vs Isabella Bank
CHMG and ISBA 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 ISBA compare
Chemung Financial is the larger company, worth 1.4 times as much as Isabella Bank ($410M against $303M).
On earnings, Chemung Financial is cheaper: it trades at 10.7× trailing earnings, against 13.8× for Isabella Bank.
Chemung Financial grew revenue faster over the last twelve months (36.6% versus 17.1% for Isabella Bank).
Chemung Financial keeps more of each dollar of sales as profit, with a net margin of 31.1% compared with 24.0% at Isabella Bank.
Both pay dividends: Chemung Financial yields 1.6% and Isabella Bank 2.8%.
Chemung Financial scores higher on the StockData Score (17 against 11 for Isabella Bank), 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 | ISBA |
|---|---|---|
| Size and price | ||
| Market cap | $410M | $303M |
| Share price | $85.11 | $39.58 |
| Change, 1 year | 62.7% | −3.7% |
| Change, 5 years | 86.2% | 45.0% |
| Beta (5Y) | 0.34 | 0.11 |
| Employees | 348 | 362 |
| StockData Score | ||
| Total score | 17 (better) | 11 |
| Valuation score | 2 | 2 |
| Growth score | 2 | 2 |
| Performance score | 4 (better) | 1 |
| Health score | 5 (better) | 2 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.7× (better) | 13.8× |
| P/S | 3.3× (better) | 3.4× |
| P/B | 1.5× | 1.2× (better) |
| P/FCF | 9.3× (better) | 11.1× |
| FCF yield | 10.8% (better) | 9.0% |
| Fair value | $74.85 | $34.01 |
| Margin of safety | −13.7% (better) | −16.4% |
| Growth | ||
| Revenue growth (TTM) | 36.6% (better) | 17.1% |
| Revenue growth, 5Y average | 2.5% | 3.9% (better) |
| Net income growth (TTM) | 190% (better) | 17.1% |
| EPS growth (TTM) | 188% (better) | 16.7% |
| EPS growth, 5Y average | −4.8% | 13.8% (better) |
| Profitability | ||
| Net margin | 31.1% (better) | 24.0% |
| FCF margin | 35.8% (better) | 30.6% |
| Return on equity | 14.8% (better) | 9.0% |
| Financial health | ||
| Altman Z-score | 0.28 (better) | 0.21 |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.8% (better) |
| Payout ratio | 17.3% | 38.3% |
| Years of dividend growth | 1 (better) | 0 |
| Dividend growth, 5Y average | 4.9% (better) | 0.73% |
| Buyback yield | 0.13% (better) | −3.8% |
| Shareholder yield | 1.8% (better) | −1.0% |
| Ownership | ||
| Held by institutions | 49.8% | 20.4% |
| Held by insiders | 13.0% | 2.9% |
| Insider net buying, 12 months | −$734K | $127K (better) |
| Short interest, % of float | 4.6% | 3.9% |
Go deeper
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
- ISBA stock overview
- ISBA income statement
- ISBA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.