Chemung Financial vs Citizens Financial Services
Citizens Financial Services is the larger business, with $112m of revenue in fiscal 2025 against $95.1m for Chemung Financial (1.2 times as much). Citizens Financial Services grew faster (10.3% against -2.2%). Citizens Financial Services kept more of each dollar of sales as profit: a net margin of 32.6% against 15.9%.
| Latest fiscal year | Chemung FinancialCHMG, 2025 | Citizens Financial ServicesCZFS, 2025 |
|---|---|---|
| Revenue | $95.1m | $112m |
| Revenue growth | -2.2% | 10.3% |
| Net income | $15.1m | $36.6m |
| Operating margin | — | — |
| Net margin | 15.9% | 32.6% |
| Return on equity | 6.4% | 11.5% |
| Free cash flow | $43.8m | $35.2m |
| Cash | $50.1m | $34.3m |
| Total debt | $131m | $309m |
| Debt to equity | — | — |
| Dividend per share | $1.32 | $1.98 |
| Dividend yield | 1.6% | 2.3% |
| Share buybacks | $396,000 | $358,000 |
| Employees | 348 | 405 |
| Market value | $418m | $409m |
| Price vs our value range | — | — |
| Moat score | 54 (Moderate) | 60 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 10 buys, 3 sales |