Chemung Financial (NASDAQ:CHMG – Get Free Report) and Eagle Bancorp Montana (NASDAQ:EBMT – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, earnings, risk, profitability, valuation and dividends.
Insider & Institutional Ownership
47.5% of Chemung Financial shares are owned by institutional investors. Comparatively, 35.7% of Eagle Bancorp Montana shares are owned by institutional investors. 12.0% of Chemung Financial shares are owned by company insiders. Comparatively, 6.7% of Eagle Bancorp Montana shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Analyst Ratings
This is a summary of recent recommendations and price targets for Chemung Financial and Eagle Bancorp Montana, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chemung Financial | 0 | 2 | 0 | 0 | 2.00 |
| Eagle Bancorp Montana | 0 | 1 | 0 | 0 | 2.00 |
Valuation and Earnings
This table compares Chemung Financial and Eagle Bancorp Montana”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chemung Financial | $150.79 million | 1.63 | $23.67 million | $4.96 | 10.44 |
| Eagle Bancorp Montana | $121.99 million | 1.01 | $9.78 million | $1.24 | 12.38 |
Chemung Financial has higher revenue and earnings than Eagle Bancorp Montana. Chemung Financial is trading at a lower price-to-earnings ratio than Eagle Bancorp Montana, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Chemung Financial and Eagle Bancorp Montana’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chemung Financial | 15.70% | 11.47% | 0.85% |
| Eagle Bancorp Montana | 8.02% | 5.68% | 0.46% |
Dividends
Chemung Financial pays an annual dividend of $1.24 per share and has a dividend yield of 2.4%. Eagle Bancorp Montana pays an annual dividend of $0.57 per share and has a dividend yield of 3.7%. Chemung Financial pays out 25.0% of its earnings in the form of a dividend. Eagle Bancorp Montana pays out 46.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Eagle Bancorp Montana has increased its dividend for 14 consecutive years. Eagle Bancorp Montana is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Volatility & Risk
Chemung Financial has a beta of 0.19, indicating that its stock price is 81% less volatile than the S&P 500. Comparatively, Eagle Bancorp Montana has a beta of 0.53, indicating that its stock price is 47% less volatile than the S&P 500.
Summary
Chemung Financial beats Eagle Bancorp Montana on 11 of the 15 factors compared between the two stocks.
About Chemung Financial
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
About Eagle Bancorp Montana
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates full-service branches and automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.
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