COMP <GO>
PCB vs CHMG // EV/EBITDA & P/E VALUATION
PCB Bancorp (NASDAQ) VS. Chemung Financial Corp (NASDAQ) • 15-METRIC TALLY: PCB 5
— CHMG 2
■ METRIC PARITY
LAST: $29.10 (+0.45%) • MKT CAP: $408.7M
valuation
—
LAST: $87.60 (+2.10%) • MKT CAP: $422.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PCB VS. CHMG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PCB | CHMG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.60% | 5.90% | +3.70 | PCB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.97% | 10.37% | -4.40 | CHMG | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 4.50% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.81% | 1.50% | +1.31 | PCB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | PCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.3 | 64.8 | +2.53 | PCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.1x | 26.0x | -15.90 | PCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $408.7M | $422.4M | -$13.7M | CHMG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PCB REV | CHMG REV | PCB GROSS % | CHMG GROSS % | PCB FCF | CHMG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.9M | $0 | — | — | $24.4M | $43.8M |
| FY 2024 | $2.8M | $0 | — | — | $34.9M | $26.2M |
| FY 2023 | $2.6M | $0 | — | — | $63.3M | $30.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PCB // BETA —
CHMG // BETA —