` Comparison: CHMG vs MTB - Alpha Spread
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CHMG
vs
MTB

Over the past 12 months, CHMG has outperformed MTB, delivering a return of +27% compared to the MTB's +20% growth.

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CHMG
MTB
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Stocks Compared:
CHMG MTB
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Valuation Comparison

CHMG Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Chemung Financial Corp
NASDAQ:CHMG
64.4 USD
M&T Bank Corp
NYSE:MTB
237.645 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CHMG, MTB

CHMG
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Chemung Financial Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CHMG, MTB

CHMG
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Chemung Financial Corp
NASDAQ:CHMG
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CHMG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Chemung Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

CHMG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Chemung Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

CHMG
14.6%
MTB
27.9%

FCF Margin

CHMG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Chemung Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

CHMG
5.7%
MTB
9.3%

ROA

CHMG
0.5%
MTB
1.3%

ROIC

CHMG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Chemung Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

CHMG
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Chemung Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Chemung Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
M&T Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CHMG, MTB

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CHMG
MTB
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Performance Gap
CHMG, MTB

Performance Gap Between CHMG and MTB
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Performance By Year
CHMG, MTB

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CHMG
MTB
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