Chemung Financial (CHMG) vs First Carolina Financial Services (FCBM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
First Carolina Financial Services is the larger company by market cap ($395.8 million vs $388.3 million), about 1.0 times the size. On valuation, First Carolina Financial Services trades at a lower forward P/E (9.3x vs 9.8x for Chemung Financial). Chemung Financial pays a dividend yielding 1.69%, while First Carolina Financial Services does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CHMG | FCBM |
|---|---|---|
| Share price | $80.54 | $12.74 |
| Market cap | $388.32M | $395.82M |
| 1-day change | -0.65% | -0.47% |
| YTD return | +44.34% | — |
| 1-year return | +54.94% | — |
| 5-year return | +73.76% | — |
| P/E ratio (TTM) | 11.57 | 24.04 |
| Forward P/E | 9.82 | 9.32 |
| EPS (TTM) | $6.96 | $0.53 |
| Dividend yield | 1.69% | 0.00% |
| Annual dividend | $1.36 | $0.00 |
| 52-week high | $86.00 | $13.40 |
| 52-week low | $49.82 | $12.17 |
| Distance from 52-week high | -6.35% | -4.93% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +8.33% | +15.15% |
| Average volume | 68.87K | 146.94K |
| Shares outstanding | 4.82M | 31.07M |
| Employees | 348 | 269 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- First Carolina Financial Services trades at a higher earnings multiple (24.0x vs 11.6x trailing P/E).
- Chemung Financial offers a meaningfully higher dividend yield (1.69% vs 0.00%).
About Chemung Financial
CHMG stock →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 deposits.
Finance · Major Banks · 348 employees
About First Carolina Financial Services
FCBM stock →First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States.
Finance · Major Banks · 269 employees
CHMG vs FCBM FAQ
Which is bigger, Chemung Financial or First Carolina Financial Services?
First Carolina Financial Services (FCBM) is larger, with a market capitalization of $395.82M compared with $388.32M for Chemung Financial (CHMG).
Which has the lower P/E ratio, CHMG or FCBM?
CHMG has the lower trailing P/E at 11.6, versus 24.0 for FCBM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Chemung Financial or First Carolina Financial Services?
Chemung Financial pays a dividend yielding 1.69%, while First Carolina Financial Services does not currently pay a regular dividend.
Are Chemung Financial and First Carolina Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.