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BPRN vs CHMG

BPRN
Princeton Bancorp, Inc.
NEUTRAL
Price
$37.08
Market Cap
$250.8M
Sector
Financial Services
AI Confidence
68%
CHMG
Chemung Financial Corporation
BULLISH
Price
$55.80
Market Cap
$268.9M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BPRN
14.21
CHMG
17.77
Forward P/E
BPRN
9.82
CHMG
7.41
P/B Ratio
BPRN
0.94
CHMG
1.05
P/S Ratio
BPRN
3.27
CHMG
2.97
EV/EBITDA
BPRN
--
CHMG
--

Profitability

Gross Margin
BPRN
0.0%
CHMG
0.0%
Operating Margin
BPRN
39.92%
CHMG
38.42%
Profit Margin
BPRN
23.19%
CHMG
16.66%
ROE
BPRN
6.73%
CHMG
6.43%
ROA
BPRN
0.78%
CHMG
0.55%

Growth

Revenue Growth
BPRN
52.4%
CHMG
16.0%
Earnings Growth
BPRN
--
CHMG
26.6%

Financial Health

Debt/Equity
BPRN
--
CHMG
--
Current Ratio
BPRN
--
CHMG
--
Quick Ratio
BPRN
--
CHMG
--

Dividends

Dividend Yield
BPRN
3.78%
CHMG
2.46%
Payout Ratio
BPRN
46.15%
CHMG
42.04%

AI Verdict

BPRN NEUTRAL

BPRN exhibits weak financial health with a Piotroski F-Score of 3/9, signaling significant concerns in profitability, leverage, and operating efficiency. Despite this, the stock shows strong revenue growth (52.4% YoY) and impressive earnings surprises, with a recent YoY EPS growth of 50.8% and a staggering Q/Q EPS jump of 850%. Valuation appears reasonable relative to peers with a P/E of 14.21 vs. sector average of 21.55, and a Price/Book of 0.94 suggesting near-book value trading. However, bearish insider activity, low technical trend (10/100), and lack of key financial data (Altman Z-Score, debt/equity, cash flow) constrain confidence in sustained outperformance.

Strengths
Strong revenue growth (52.4% YoY) outpacing sector average (45.57%)
High operating margin (39.92%) indicating efficient cost management
Attractive dividend yield of 3.78% with sustainable 46.15% payout ratio
Risks
Very low Piotroski F-Score (3/9) indicating weak financial health
Missing Altman Z-Score and debt/equity data raises uncertainty about solvency risk
Bearish insider sentiment with $0.42M in net selling over last 6 months
CHMG BULLISH

CHMG shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong revenue growth of 16.0%
Risks
Limited historical data available for full assessment

Compare Another Pair

BPRN vs CHMG: Head-to-Head Comparison

This page compares Princeton Bancorp, Inc. (BPRN) and Chemung Financial Corporation (CHMG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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