Chemung Financial vs Ponce Financial Group
Chemung Financial and Ponce Financial Group are similar in size: $95.1m and $109m of revenue in their latest fiscal years. Ponce Financial Group grew faster (30.5% against -2.2%). Ponce Financial Group kept more of each dollar of sales as profit: a net margin of 26.3% against 15.9%.
| Latest fiscal year | Chemung FinancialCHMG, 2025 | Ponce Financial GroupPDLB, 2025 |
|---|---|---|
| Revenue | $95.1m | $109m |
| Revenue growth | -2.2% | 30.5% |
| Net income | $15.1m | $28.7m |
| Operating margin | — | — |
| Net margin | 15.9% | 26.3% |
| Return on equity | 6.4% | 5.5% |
| Free cash flow | $43.8m | $54.6m |
| Cash | $50.1m | $126m |
| Total debt | $131m | $596m |
| Debt to equity | — | — |
| Dividend per share | $1.32 | — |
| Dividend yield | 1.6% | — |
| Share buybacks | $396,000 | — |
| Employees | 348 | 216 |
| Market value | $418m | $532m |
| Price vs our value range | — | — |
| Moat score | 54 (Moderate) | 17 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 1 sales |