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CHMG vs FVCB

CHMG
Chemung Financial Corporation
BULLISH
Price
$55.80
Market Cap
$268.9M
Sector
Financial Services
AI Confidence
75%
FVCB
FVCBankcorp, Inc.
BULLISH
Price
$15.60
Market Cap
$280.4M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CHMG
17.77
FVCB
12.89
Forward P/E
CHMG
7.41
FVCB
9.81
P/B Ratio
CHMG
1.05
FVCB
1.1
P/S Ratio
CHMG
2.97
FVCB
4.26
EV/EBITDA
CHMG
--
FVCB
--

Profitability

Gross Margin
CHMG
0.0%
FVCB
0.0%
Operating Margin
CHMG
38.42%
FVCB
45.28%
Profit Margin
CHMG
16.66%
FVCB
33.51%
ROE
CHMG
6.43%
FVCB
9.02%
ROA
CHMG
0.55%
FVCB
0.98%

Growth

Revenue Growth
CHMG
16.0%
FVCB
10.2%
Earnings Growth
CHMG
26.6%
FVCB
15.2%

Financial Health

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

Dividends

Dividend Yield
CHMG
2.46%
FVCB
1.55%
Payout Ratio
CHMG
42.04%
FVCB
9.92%

AI Verdict

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
FVCB BULLISH

FVCB presents a compelling value opportunity, trading significantly below its Graham Number ($19.71) and Intrinsic Value ($35.99). The company maintains a stable financial health profile with a Piotroski F-Score of 4/9 and strong double-digit growth in both revenue (10.20%) and earnings (15.20%). While insider sentiment is bearish and technical trends are currently weak, the fundamental valuation metrics (P/E 12.89, P/B 1.10) suggest the stock is undervalued. The extremely low dividend payout ratio of 9.92% provides a significant cushion for future dividend growth.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY earnings growth of 15.20%
Attractive Price-to-Book ratio of 1.10
Risks
Aggressive insider selling ($1.15M in net sales)
Bearish technical trend (0/100 score)
Low ROA (0.98%) which is slightly below the ideal 1% benchmark for regional banks

Compare Another Pair

CHMG vs FVCB: Head-to-Head Comparison

This page compares Chemung Financial Corporation (CHMG) and FVCBankcorp, Inc. (FVCB) 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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