Chemung Financial Corporation (CHMG) vs USCB Financial Holdings, Inc. (USCB)
A side-by-side comparison of Chemung Financial Corporation and USCB Financial Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CHMG vs USCB
growth of $100 · dividends reinvested · last 5yCHMG vs USCB: by the numbers
- •USCB is the larger company ($407M vs $393M market cap).
- •CHMG trades at the lower trailing earnings multiple (11.76 vs 14.67 P/E), one valuation lens rather than an overall verdict.
- •CHMG converts more revenue to profit (24.21% vs 19.92% net margin).
- •USCB grew revenue faster over the past five years (18.95% vs 9.02% CAGR).
- •USCB pays the higher dividend yield (2.11% vs 1.68%).
Metrics side by side
Valuation
| Metric | CHMG | USCB |
|---|---|---|
| P/E ratio | 11.76 | 14.67 |
| Forward P/E | 10.75 | 10.69 |
| PEG ratio | N/A | 0.57 |
| P/S ratio | 2.84 | 2.82 |
| P/B ratio | 1.46 | 1.75 |
Profitability
| Metric | CHMG | USCB |
|---|---|---|
| Operating margin | 15.20% | 27.38% |
| Net margin | 24.21% | 19.92% |
| ROE | 12.41% | 12.32% |
Chemung Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
USCB Financial Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CHMG | USCB |
|---|---|---|
| Dividend yield | 1.68% | 2.11% |
| Payout ratio | 19.88% | 31.25% |
Growth (annualized)
| Metric | CHMG | USCB |
|---|---|---|
| Revenue CAGR (5Y) | 9.02% | 18.95% |
| EPS CAGR (5Y) | -4.84% | 26.73% |
| Total return CAGR (5Y) | 15.25% | 13.32% |
Frequently asked
- Which has the lower trailing P/E, CHMG or USCB?
- CHMG has the lower trailing P/E: CHMG trades at 11.76 and USCB at 14.67. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CHMG or USCB?
- Over the past five years, USCB grew revenue faster — CHMG at a 9.02% CAGR versus USCB at 18.95%.
- Does CHMG or USCB pay a bigger dividend?
- CHMG yields 1.68% and USCB yields 2.11% based on trailing dividends and the latest price.
- Is CHMG or USCB more profitable?
- CHMG runs the higher net margin — CHMG at 24.21% versus USCB at 19.92%.
- How have CHMG and USCB total returns compared?
- Over the past 5 years, CHMG delivered 15.25% and USCB delivered 13.32% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Chemung Financial & USCB Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.