CHMG vs CZFS: stock comparison and AI forecast
Chemung Financial Corp (CHMG) and Citizens Financial Services Inc (CZFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CHMG Chemung Financial Corp
- Price
- $87.42 +33.0% · 6M
- Market Cap
- $421M
- P/E Ratio
- 12.6x
- Size
- small-cap
- AI Forecast
CZFS Citizens Financial Services Inc
- Market Cap
- $414M
- P/E Ratio
- 10.1x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CHMG and CZFS have similar market capitalizations ($421M and $414M).
- CZFS trades at 10.1 times trailing earnings, CHMG at 12.6 times.
- CZFS carries 9.99 times debt per unit of equity, against 9.43 times for CHMG.
- CZFS yields 2.33% in dividends and CHMG 1.55%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CHMG | CZFS |
|---|---|---|
| Market Cap | $421M | $414M |
| P/E Ratio | 12.56x | 10.07x |
| P/B Ratio | 1.56x | 1.57x |
| Dividend Yield | 1.55% | 2.33% |
| EPS | $6.96 | $8.54 |
| Book Value/Share | $56.07 | $54.73 |
| Revenue/Share | $24.27 | $24.14 |
| FCF/Share | $9.41 | $7.67 |
Profitability & Margins
| Metric | CHMG | CZFS |
|---|---|---|
| ROE | 12.4% | – |
| ROA | 1.2% | – |
| Net Margin | 28.7% | – |
| EBT Margin | 37.8% | 82.2% |
| Tax Rate | 24.1% | 18.7% |
Financial Health
| Metric | CHMG | CZFS |
|---|---|---|
| D/E Ratio | 9.43x | 9.99x |
| Financial Leverage | 10.43x | – |
Cash Flow
| Metric | CHMG | CZFS |
|---|---|---|
| Operating Cash Flow | $47M | $38M |
| Free Cash Flow | $45M | $37M |
| Capital Spending | -$1M | -$630K |
| OCF Growth YoY | 45.0% | 11.6% |
| FCF Growth YoY | 56.0% | 17.3% |
| FCF/Sales | 38.8% | 31.8% |
| CapEx/Sales | 1.2% | 0.5% |
Operational Efficiency
| Metric | CHMG | CZFS |
|---|---|---|
| Asset Turnover | 0.04x | – |
| Fixed Assets Turnover | 9.6x | 5.6x |
Income Statement
| Metric | CHMG | CZFS |
|---|---|---|
| Total Revenue | $117M | $116M |
| Net Income | $34M | – |
Dividend & Shareholder Information
| Metric | CHMG | CZFS |
|---|---|---|
| Dividends Per Share | $1.36 | $2.01 |
| Payout Ratio | 19.5% | 23.5% |
| Shares Outstanding | 5M | 5M |
| Net Income Growth | 199.3% | – |
| EPS Growth | 197.4% | 29.2% |
CHMG vs CZFS: stock comparison and AI forecast
Which is bigger, CHMG or CZFS?
CHMG and CZFS have similar market capitalizations ($421M and $414M).
Which is cheaper on earnings, CHMG or CZFS?
CZFS trades at 10.1 times trailing earnings, CHMG at 12.6 times.
Which one does Intratio's AI model rank higher, CHMG or CZFS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.