COMP <GO>
CZFS vs CHMG // EV/EBITDA & P/E VALUATION
Citizens Financial Services Inc. (NASDAQ) VS. Chemung Financial Corp (NASDAQ) • 15-METRIC TALLY: CZFS 4
— CHMG 2
■ METRIC PARITY
LAST: $84.90 (+1.26%) • MKT CAP: $408.4M
valuation
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LAST: $87.60 (+2.10%) • MKT CAP: $422.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZFS VS. CHMG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZFS | CHMG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.80% | 5.90% | +4.90 | CZFS | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.95% | 10.37% | -1.42 | CHMG | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 2.80% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.34% | 1.50% | +0.84 | CZFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.9 | 64.8 | +2.11 | CZFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.4x | 26.0x | -15.60 | CZFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $408.4M | $422.4M | -$14.0M | CHMG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZFS REV | CHMG REV | CZFS GROSS % | CHMG GROSS % | CZFS FCF | CHMG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $9.9M | $0 | — | — | $36.5M | $43.8M |
| FY 2024 | $9.6M | $0 | — | — | $33.2M | $26.2M |
| FY 2023 | $9.0M | $0 | — | — | $26.5M | $30.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZFS // BETA —
CHMG // BETA —