CHMG vs. USCB, OVLY, SBNY, CZFS, FVCB, BWFG, SSBK, PKBK, NWFL, and PCB
Should you be buying Chemung Financial stock or one of its competitors? The main competitors of Chemung Financial include USCB Financial (USCB), Oak Valley Bancorp (OVLY), Signature Bank (SBNY), Citizens Financial Services (CZFS), FVCBankcorp (FVCB), Bankwell Financial Group (BWFG), Southern States Bancshares (SSBK), Parke Bancorp (PKBK), Norwood Financial (NWFL), and PCB Bancorp (PCB). These companies are all part of the "state commercial banks" industry.
USCB Financial (NASDAQ:USCB) and Chemung Financial (NASDAQ:CHMG) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, community ranking, institutional ownership, media sentiment, dividends, risk, analyst recommendations, earnings and valuation.
Chemung Financial has lower revenue, but higher earnings than USCB Financial. Chemung Financial is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.
USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.9%. Chemung Financial pays an annual dividend of $1.24 per share and has a dividend yield of 2.9%. USCB Financial pays out 26.0% of its earnings in the form of a dividend. Chemung Financial pays out 23.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chemung Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
In the previous week, USCB Financial had 9 more articles in the media than Chemung Financial. MarketBeat recorded 13 mentions for USCB Financial and 4 mentions for Chemung Financial. Chemung Financial's average media sentiment score of 0.77 beat USCB Financial's score of -0.21 indicating that USCB Financial is being referred to more favorably in the media.
Chemung Financial received 128 more outperform votes than USCB Financial when rated by MarketBeat users. However, 55.56% of users gave USCB Financial an outperform vote while only 51.11% of users gave Chemung Financial an outperform vote.
Chemung Financial has a net margin of 17.35% compared to Chemung Financial's net margin of 13.08%. USCB Financial's return on equity of 12.67% beat Chemung Financial's return on equity.
61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 47.5% of Chemung Financial shares are owned by institutional investors. 48.1% of USCB Financial shares are owned by company insiders. Comparatively, 11.7% of Chemung Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
USCB Financial currently has a consensus price target of $13.33, indicating a potential upside of 24.26%. Chemung Financial has a consensus price target of $49.00, indicating a potential upside of 13.79%. Given Chemung Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe USCB Financial is more favorable than Chemung Financial.
USCB Financial has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500. Comparatively, Chemung Financial has a beta of 0.2, suggesting that its share price is 80% less volatile than the S&P 500.
Summary
USCB Financial beats Chemung Financial on 11 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CHMG and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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