CHMG vs. CZFS, CBAN, PKBK, OVLY, NWFL, FVCB, COFS, SBNY, FFNW, and PCB
Should you be buying Chemung Financial stock or one of its competitors? The main competitors of Chemung Financial include Citizens Financial Services (CZFS), Colony Bankcorp (CBAN), Parke Bancorp (PKBK), Oak Valley Bancorp (OVLY), Norwood Financial (NWFL), FVCBankcorp (FVCB), ChoiceOne Financial Services (COFS), Signature Bank (SBNY), First Financial Northwest (FFNW), and PCB Bancorp (PCB). These companies are all part of the "state commercial banks" industry.
Chemung Financial (NASDAQ:CHMG) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, media sentiment, institutional ownership, profitability, valuation, dividends, community ranking, earnings and risk.
Chemung Financial pays an annual dividend of $1.24 per share and has a dividend yield of 2.9%. Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.6%. Chemung Financial pays out 23.8% of its earnings in the form of a dividend. Citizens Financial Services pays out 53.1% 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 has a beta of 0.2, indicating that its share price is 80% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500.
In the previous week, Citizens Financial Services had 1 more articles in the media than Chemung Financial. MarketBeat recorded 2 mentions for Citizens Financial Services and 1 mentions for Chemung Financial. Chemung Financial's average media sentiment score of 1.94 beat Citizens Financial Services' score of 0.47 indicating that Chemung Financial is being referred to more favorably in the media.
Chemung Financial received 120 more outperform votes than Citizens Financial Services when rated by MarketBeat users. However, 69.23% of users gave Citizens Financial Services an outperform vote while only 51.11% of users gave Chemung Financial an outperform vote.
47.5% of Chemung Financial shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 12.0% of Chemung Financial shares are held by insiders. Comparatively, 6.3% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Chemung Financial has a net margin of 17.35% compared to Citizens Financial Services' net margin of 11.63%. Chemung Financial's return on equity of 12.39% beat Citizens Financial Services' return on equity.
Chemung Financial presently has a consensus target price of $49.00, suggesting a potential upside of 12.88%. Citizens Financial Services has a consensus target price of $53.00, suggesting a potential upside of 24.56%. Given Citizens Financial Services' stronger consensus rating and higher probable upside, analysts clearly believe Citizens Financial Services is more favorable than Chemung Financial.
Chemung Financial has higher revenue and earnings than Citizens Financial Services. Chemung Financial is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks.
Summary
Chemung Financial and Citizens Financial Services tied by winning 10 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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