Chemung Financial (NASDAQ:CHMG – Get Free Report) and Citizens (NASDAQ:CIZN – Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, risk, valuation, dividends, institutional ownership, profitability and analyst recommendations.
Dividends
Chemung Financial pays an annual dividend of $1.24 per share and has a dividend yield of 2.8%. Citizens pays an annual dividend of $0.64 per share and has a dividend yield of 8.3%. Chemung Financial pays out 23.8% of its earnings in the form of a dividend. Citizens pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Volatility and Risk
Chemung Financial has a beta of 0.18, indicating that its share price is 82% less volatile than the S&P 500. Comparatively, Citizens has a beta of -0.01, indicating that its share price is 101% less volatile than the S&P 500.
Institutional and Insider Ownership
Valuation & Earnings
This table compares Chemung Financial and Citizens’ revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Chemung Financial | $137.62 million | 1.51 | $25.00 million | $5.22 | 8.40 |
Citizens | $60.02 million | 0.73 | $1.85 million | $0.64 | 12.11 |
Chemung Financial has higher revenue and earnings than Citizens. Chemung Financial is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of recent ratings and target prices for Chemung Financial and Citizens, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Chemung Financial | 0 | 1 | 0 | 0 | 2.00 |
Citizens | 0 | 0 | 0 | 0 | N/A |
Chemung Financial presently has a consensus price target of $49.00, indicating a potential upside of 11.80%. Given Chemung Financial’s higher probable upside, equities analysts plainly believe Chemung Financial is more favorable than Citizens.
Profitability
This table compares Chemung Financial and Citizens’ net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Chemung Financial | 17.35% | 12.39% | 0.84% |
Citizens | 5.28% | 9.16% | 0.26% |
Summary
Chemung Financial beats Citizens on 12 of the 14 factors compared between the two stocks.
About Chemung Financial
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
About Citizens
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
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