Mission Valley Bancorp (OTCMKTS:MVLY – Get Free Report) and Chemung Financial (NASDAQ:CHMG – 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 dividends, risk, institutional ownership, earnings, profitability, valuation and analyst recommendations.
Valuation and Earnings
This table compares Mission Valley Bancorp and Chemung Financial”s gross revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Mission Valley Bancorp | N/A | N/A | $7.40 million | $2.22 | 6.80 |
Chemung Financial | $137.62 million | 1.66 | $25.00 million | $5.22 | 9.20 |
Chemung Financial has higher revenue and earnings than Mission Valley Bancorp. Mission Valley Bancorp is trading at a lower price-to-earnings ratio than Chemung Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Mission Valley Bancorp | 0 | 0 | 0 | 0 | N/A |
Chemung Financial | 0 | 1 | 0 | 0 | 2.00 |
Chemung Financial has a consensus price target of $49.00, suggesting a potential upside of 2.04%. Given Chemung Financial’s higher possible upside, analysts clearly believe Chemung Financial is more favorable than Mission Valley Bancorp.
Profitability
This table compares Mission Valley Bancorp and Chemung Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Mission Valley Bancorp | N/A | N/A | N/A |
Chemung Financial | 16.02% | 11.33% | 0.79% |
Volatility and Risk
Mission Valley Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, Chemung Financial has a beta of 0.15, indicating that its stock price is 85% less volatile than the S&P 500.
Institutional and Insider Ownership
5.7% of Mission Valley Bancorp shares are owned by institutional investors. Comparatively, 47.5% of Chemung Financial shares are owned by institutional investors. 12.0% of Chemung Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Summary
Chemung Financial beats Mission Valley Bancorp on 10 of the 11 factors compared between the two stocks.
About Mission Valley Bancorp
Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank and Mission SBA Loan Servicing LLC that provides various banking products and services to individuals and corporate customers. The company's deposit products include non-interest-bearing and interest-bearing demand deposits, savings, and time deposits; and certificates of deposit. It also offers accounts receivable loans, advanced restaurant financing loans, commercial loans, real estate loans, small business administration loans, and term loans; consumer loans; and overdraft facilities; as well as credit and debit cards. In addition, the company provides lending services, such as underwriting, processing, closing, servicing, and referral/replacement services to other financial institutions. Mission Valley Bancorp was founded in 2001 and is headquartered in Sun Valley, California.
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.
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