Chemung Financial (CHMG) vs USCB Financial (USCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Chemung Financial (CHMG) has outperformed USCB Financial (USCB) over the past year, gaining 54.4% versus a gain of 28.2%. Over five years, CHMG leads with a +74.9% price change compared with +74.2% for USCB. USCB Financial is the larger company by market cap ($408.8 million vs $390.9 million), about 1.0 times the size.
On valuation, USCB Financial trades at a lower forward P/E (9.5x vs 9.9x for Chemung Financial). USCB Financial offers the higher dividend yield (2.03% vs 1.68%).
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 | USCB |
|---|---|---|
| Share price | $81.07 | $22.13 |
| Market cap | $390.88M | $408.84M |
| 1-day change | +0.55% | +0.68% |
| YTD return | +45.29% | +19.33% |
| 1-year return | +54.42% | +28.24% |
| 5-year return | +74.91% | +74.17% |
| P/E ratio (TTM) | 11.65 | 14.19 |
| Forward P/E | 9.89 | 9.53 |
| EPS (TTM) | $6.96 | $1.56 |
| Dividend yield | 1.68% | 2.03% |
| Annual dividend | $1.36 | $0.45 |
| 52-week high | $86.00 | $23.89 |
| 52-week low | $49.82 | $16.36 |
| Distance from 52-week high | -5.73% | -7.35% |
| Analyst consensus | buy | none |
| Avg. price target upside | +7.62% | +10.03% |
| Average volume | 68.74K | 67.20K |
| Shares outstanding | 4.82M | 18.47M |
| Employees | 348 | 216 |
| 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
- CHMG has outperformed USCB by 26.2 percentage points over the past year.
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 USCB Financial
USCB stock →USCB Financial Holdings, Inc. operates as the bank holding company for U.S.
Finance · Major Banks · 216 employees
CHMG vs USCB FAQ
Which is bigger, Chemung Financial or USCB Financial?
USCB Financial (USCB) is larger, with a market capitalization of $408.84M compared with $390.88M for Chemung Financial (CHMG).
Which stock has performed better over the past year, CHMG or USCB?
CHMG returned +54.42% over the past 12 months, compared with +28.24% for USCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHMG or USCB?
CHMG has the lower trailing P/E at 11.6, versus 14.2 for USCB. 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 USCB Financial?
USCB Financial has the higher yield at 2.03%, compared with 1.68% for Chemung Financial.
Are Chemung Financial and USCB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.