Chemung Financial vs Investar Holding
Chemung Financial and Investar Holding are similar in size: $95.1m and $93.6m of revenue in their latest fiscal years. Investar Holding grew faster (7.1% against -2.2%). Investar Holding kept more of each dollar of sales as profit: a net margin of 24.5% against 15.9%.
| Latest fiscal year | Chemung FinancialCHMG, 2025 | Investar HoldingISTR, 2025 |
|---|---|---|
| Revenue | $95.1m | $93.6m |
| Revenue growth | -2.2% | 7.1% |
| Net income | $15.1m | $22.9m |
| Operating margin | — | — |
| Net margin | 15.9% | 24.5% |
| Return on equity | 6.4% | 8.4% |
| Free cash flow | $43.8m | $18.2m |
| Cash | $50.1m | — |
| Total debt | $131m | $9.8m |
| Debt to equity | — | — |
| Dividend per share | $1.32 | $0.43 |
| Dividend yield | 1.6% | 1.2% |
| Share buybacks | $396,000 | $2.3m |
| Employees | 348 | — |
| Market value | $418m | $385m |
| Price vs our value range | — | — |
| Moat score | 54 (Moderate) | 50 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |