COMP <GO>
CBAN vs CHMG // EV/EBITDA & P/E VALUATION
Colony Bankcorp Inc. (NYSE) VS. Chemung Financial Corp (NASDAQ) • 15-METRIC TALLY: CBAN 2
— CHMG 5
■ METRIC PARITY
LAST: $20.42 (+0.30%) • MKT CAP: $433.3M
valuation
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LAST: $87.60 (+2.10%) • MKT CAP: $422.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CBAN VS. CHMG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CBAN | CHMG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 1.80% | 5.90% | -4.10 | CHMG | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -1.59% | 10.37% | -11.96 | CHMG | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.85% | 1.50% | +0.35 | CBAN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 1/9 | 4/9 | -3.00 | CHMG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.0 | 64.8 | -14.76 | CHMG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 60.9x | 26.0x | +34.90 | CHMG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $433.3M | $422.4M | $11.0M | CBAN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CBAN REV | CHMG REV | CBAN GROSS % | CHMG GROSS % | CBAN FCF | CHMG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | -$6.9M | $43.8M |
| FY 2024 | $0 | $0 | — | — | $22.3M | $26.2M |
| FY 2023 | $0 | $0 | — | — | $21.0M | $30.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CBAN // BETA —
CHMG // BETA —