COMP <GO>
CHMG vs CZFS // RETURN ON INVESTED CAPITAL (ROIC)
Chemung Financial Corp (NASDAQ) VS. Citizens Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: CHMG 2
— CZFS 4
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: CZFS
LAST: $85.90 (-1.74%) • MKT CAP: $421.5M
roic
5.90%
LAST: $84.59 (-1.65%) • MKT CAP: $413.7M
roic
10.80%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CHMG VS. CZFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CHMG | CZFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 5.90% | 10.80% | -4.90 | CZFS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 10.37% | 8.95% | +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 | 1.50% | 2.34% | -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 | 64.9 | 67.8 | -2.90 | CZFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 26.0x | 10.4x | +15.60 | CZFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $421.5M | $413.7M | $7.8M | CHMG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CHMG REV | CZFS REV | CHMG GROSS % | CZFS GROSS % | CHMG FCF | CZFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.14B | $9.9M | — | — | $43.8M | $36.5M |
| FY 2024 | $1.17B | $9.6M | — | — | $26.2M | $33.2M |
| FY 2023 | $117.3M | $9.0M | — | — | $30.9M | $26.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CHMG // BETA —
CZFS // BETA —