Chemung Financial vs Tompkins Financial
CHMG and TMP 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 TMP compare
Tompkins Financial is the larger company, worth 3.5 times as much as Chemung Financial ($1.4B against $414M).
On earnings, Tompkins Financial is cheaper: it trades at 8.0× trailing earnings, against 10.8× for Chemung Financial.
Tompkins Financial grew revenue faster over the last twelve months (117% versus 36.6% for Chemung Financial).
Tompkins Financial keeps more of each dollar of sales as profit, with a net margin of 39.6% compared with 31.1% at Chemung Financial.
Both pay dividends: Chemung Financial yields 1.6% and Tompkins Financial 2.0%.
Chemung Financial scores higher on the StockData Score (17 against 16 for Tompkins 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 | TMP |
|---|---|---|
| Size and price | ||
| Market cap | $414M | $1.4B |
| Share price | $85.88 | $100.29 |
| Change, 1 year | 69.9% | 48.5% |
| Change, 5 years | 87.9% | 21.0% |
| Beta (5Y) | 0.35 | 0.62 |
| Employees | 348 | 870 |
| StockData Score | ||
| Total score | 17 (better) | 16 |
| Valuation score | 2 | 3 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 5 (better) | 3 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.8× | 8.0× (better) |
| P/S | 3.4× | 3.2× (better) |
| P/B | 1.5× | – |
| P/FCF | 9.3× (better) | 28.9× |
| PEG | – | 0.33 |
| FCF yield | 10.7% (better) | 3.5% |
| Fair value | $74.91 | – |
| Margin of safety | −14.6% | – |
| Growth | ||
| Revenue growth (TTM) | 36.6% | 117% (better) |
| Revenue growth, 5Y average | 2.5% | 2.9% (better) |
| Net income growth (TTM) | 190% (better) | 113% |
| EPS growth (TTM) | 188% (better) | 113% |
| EPS growth, 5Y average | −4.8% | 16.7% (better) |
| Profitability | ||
| Net margin | 31.1% | 39.6% (better) |
| FCF margin | 35.8% (better) | 10.9% |
| Return on equity | 14.8% | – |
| Financial health | ||
| Altman Z-score | 0.28 (better) | 0.27 |
| Piotroski F-score | 4 | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.0% (better) |
| Payout ratio | 17.3% | 21.5% |
| Years of dividend growth | 1 | 16 (better) |
| Dividend growth, 5Y average | 4.9% | 8.3% (better) |
| Buyback yield | 0.13% | 0.43% (better) |
| Shareholder yield | 1.7% | 2.5% (better) |
| Ownership | ||
| Held by institutions | 49.8% | 70.7% |
| Held by insiders | 13.0% | 2.7% |
| Insider net buying, 12 months | −$734K | $100K (better) |
| Short interest, % of float | 4.6% | 3.1% |
Go deeper
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
- TMP stock overview
- TMP income statement
- TMP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.