Chemung Financial vs PCB Bancorp
PCB Bancorp is the larger business, with $116m of revenue in fiscal 2025 against $95.1m for Chemung Financial (1.2 times as much). PCB Bancorp grew faster (16.1% against -2.2%). PCB Bancorp kept more of each dollar of sales as profit: a net margin of 32.4% against 15.9%.
| Latest fiscal year | Chemung FinancialCHMG, 2025 | PCB BancorpPCB, 2025 |
|---|---|---|
| Revenue | $95.1m | $116m |
| Revenue growth | -2.2% | 16.1% |
| Net income | $15.1m | $37.5m |
| Operating margin | — | — |
| Net margin | 15.9% | 32.4% |
| Return on equity | 6.4% | 9.9% |
| Free cash flow | $43.8m | $24.4m |
| Cash | $50.1m | $207m |
| Total debt | $131m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.32 | $0.80 |
| Dividend yield | 1.6% | 2.8% |
| Share buybacks | $396,000 | $7.1m |
| Employees | 348 | 262 |
| Market value | $418m | $431m |
| Price vs our value range | — | — |
| Moat score | 54 (Moderate) | 85 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 10 buys, 0 sales |