CHMG vs NWFL: stock comparison and AI forecast
Chemung Financial Corp (CHMG) and Norwood Financial Corp (NWFL) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CHMG Chemung Financial Corp
- Price
- $84.75 +23.0% · 6M
- Market Cap
- $409M
- P/E Ratio
- 10.8x
- Size
- small-cap
- AI Forecast
NWFL Norwood Financial Corp
- Price
- $35.68 +16.3% · 6M
- Market Cap
- $389M
- P/E Ratio
- 10.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- CHMG and NWFL have similar market capitalizations ($409M and $389M).
- NWFL trades at 10.5 times trailing earnings, CHMG at 10.8 times.
- Over the last six months CHMG returned +23.0% and NWFL +16.3%.
- NWFL carries 9.85 times debt per unit of equity, against 9.42 times for CHMG.
- NWFL yields 3.43% in dividends and CHMG 1.63%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CHMG | NWFL |
|---|---|---|
| Market Cap | $409M | $389M |
| P/E Ratio | 10.76x | 10.53x |
| P/B Ratio | 1.49x | 1.82x |
| Dividend Yield | 1.63% | 3.43% |
| EPS | $7.88 | $3.39 |
| Book Value/Share | $56.73 | $19.58 |
| Revenue/Share | $25.69 | $9.82 |
| FCF/Share | $9.19 | $3.65 |
Profitability & Margins
| Metric | CHMG | NWFL |
|---|---|---|
| ROE | 14.1% | – |
| ROA | 1.4% | – |
| Net Margin | 31.0% | – |
| EBT Margin | 40.9% | -389.3% |
| Tax Rate | 24.1% | 21.5% |
Financial Health
| Metric | CHMG | NWFL |
|---|---|---|
| D/E Ratio | 9.42x | 9.85x |
| Financial Leverage | 10.42x | – |
Cash Flow
| Metric | CHMG | NWFL |
|---|---|---|
| Operating Cash Flow | $46M | $42M |
| Free Cash Flow | $44M | $40M |
| Capital Spending | -$2M | -$2M |
| OCF Growth YoY | 30.0% | 40.5% |
| FCF Growth YoY | 36.8% | 60.0% |
| FCF/Sales | 35.8% | 37.2% |
| CapEx/Sales | 1.4% | 2.2% |
Operational Efficiency
| Metric | CHMG | NWFL |
|---|---|---|
| Asset Turnover | 0.04x | – |
| Fixed Assets Turnover | 9.9x | 4.3x |
Income Statement
| Metric | CHMG | NWFL |
|---|---|---|
| Total Revenue | $124M | $107M |
| Net Income | $38M | – |
Dividend & Shareholder Information
| Metric | CHMG | NWFL |
|---|---|---|
| Dividends Per Share | $1.38 | $1.22 |
| Payout Ratio | 17.5% | 36.0% |
| Shares Outstanding | 5M | 11M |
| Net Income Growth | 189.7% | – |
| EPS Growth | 175.5% | 527.8% |
CHMG vs NWFL: stock comparison and AI forecast
Which is bigger, CHMG or NWFL?
CHMG and NWFL have similar market capitalizations ($409M and $389M).
Which is cheaper on earnings, CHMG or NWFL?
NWFL trades at 10.5 times trailing earnings, CHMG at 10.8 times.
Which stock performed better over the last six months, CHMG or NWFL?
Over the last six months CHMG returned +23.0% and NWFL +16.3%.
Which one does Intratio's AI model rank higher, CHMG or NWFL?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.