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.
Chemung Financial (NASDAQ:CHMG) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, analyst recommendations, valuation, institutional ownership, media sentiment, dividends, earnings, risk and community ranking.
Chemung Financial has a beta of 0.2, meaning that its stock price is 80% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500.
47.5% of Chemung Financial shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 11.7% of Chemung Financial shares are owned by company insiders. Comparatively, 48.1% of USCB Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
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 pays an annual dividend of $1.24 per share and has a dividend yield of 2.9%. USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 2.0%. Chemung Financial pays out 23.8% of its earnings in the form of a dividend. USCB Financial pays out 24.1% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio.
Chemung Financial has a net margin of 17.35% compared to USCB Financial's net margin of 15.26%. Chemung Financial's return on equity of 12.67% beat USCB Financial's return on equity.
In the previous week, USCB Financial had 2 more articles in the media than Chemung Financial. MarketBeat recorded 7 mentions for USCB Financial and 5 mentions for Chemung Financial. Chemung Financial's average media sentiment score of 0.19 beat USCB Financial's score of 0.00 indicating that Chemung Financial is being referred to more favorably in the media.
Chemung Financial currently has a consensus price target of $49.00, indicating a potential upside of 12.64%. USCB Financial has a consensus price target of $13.33, indicating a potential upside of 30.08%. Given USCB Financial's stronger consensus rating and higher possible upside, analysts clearly believe USCB Financial is more favorable than Chemung Financial.
Chemung Financial has higher revenue and 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.
Summary
Chemung Financial and USCB Financial 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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