COMP <GO>
FNLC vs CHMG // EV/EBITDA & P/E VALUATION
First Bancorp Inc (ME) (NASDAQ) VS. Chemung Financial Corp (NASDAQ) • 15-METRIC TALLY: FNLC 4
— CHMG 3
■ METRIC PARITY
LAST: $36.56 (+0.77%) • MKT CAP: $412.5M
valuation
—
LAST: $87.60 (+2.10%) • MKT CAP: $422.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNLC VS. CHMG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNLC | CHMG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.10% | 5.90% | +6.20 | FNLC | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.39% | 10.37% | -1.98 | 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 | 3.96% | 1.50% | +2.46 | FNLC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | FNLC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.1 | 64.8 | -0.69 | CHMG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.2x | 26.0x | -14.80 | FNLC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $412.5M | $422.4M | -$9.9M | CHMG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNLC REV | CHMG REV | FNLC GROSS % | CHMG GROSS % | FNLC FCF | CHMG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $34.6M | $43.8M |
| FY 2024 | $0 | $0 | — | — | $24.6M | $26.2M |
| FY 2023 | $0 | $0 | — | — | $36.9M | $30.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNLC // BETA —
CHMG // BETA —