Carroll Bancorp (CROL) & Chemung Financial (CHMG) Critical Contrast

Carroll Bancorp (OTCMKTS:CROL) and Chemung Financial (NASDAQ:CHMG) are both financial services companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, valuation, analyst recommendations, risk, institutional ownership, profitability and earnings.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Carroll Bancorp and Chemung Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Carroll Bancorp 0 0 0 0 N/A
Chemung Financial 0 1 0 0 2.00

Chemung Financial has a consensus target price of $47.00, suggesting a potential upside of 0.73%. Given Chemung Financial’s higher possible upside, analysts plainly believe Chemung Financial is more favorable than Carroll Bancorp.

Valuation and Earnings

This table compares Carroll 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
Carroll Bancorp N/A N/A N/A N/A N/A
Chemung Financial $87.63 million 2.56 $19.63 million $3.80 12.28

Chemung Financial has higher revenue and earnings than Carroll Bancorp.

Dividends

Chemung Financial pays an annual dividend of $1.04 per share and has a dividend yield of 2.2%. Carroll Bancorp does not pay a dividend. Chemung Financial pays out 27.4% of its earnings in the form of a dividend.

Profitability

This table compares Carroll Bancorp and Chemung Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Carroll Bancorp N/A N/A N/A
Chemung Financial 22.40% 11.53% 1.02%

Institutional and Insider Ownership

35.0% of Chemung Financial shares are owned by institutional investors. 20.6% 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 Carroll Bancorp on 8 of the 9 factors compared between the two stocks.

Carroll Bancorp Company Profile

Carroll Bancorp, Inc. operates as the bank holding company for Carroll Community Bank that provides financial services to individuals, families, and businesses in Maryland. It accepts various deposit products, such as savings accounts, certificates of deposit, money market accounts, business and retail noninterest and interest bearing checking accounts, and individual retirement accounts, as well as demand deposit accounts. The company's loan products include construction, land/lot, home equity, auto, and CDs secured, as well as residential mortgage with fixed rate mortgages and overdraft line of credit. In addition, the company provides remote deposit capture and Internet banking services. It operates three banking offices in Sykesville, Westminster, and Bethesda, Maryland. The company was founded in 1870 and is based in Sykesville, Maryland.

Chemung Financial Company Profile

Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. It offers demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. The company also provides commercial and agricultural loans primarily consisting of loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; and consumer loans, including home equity lines of credit and home equity loans, as well as letters of credit. In addition, it offers wealth management services comprising services as executor and trustee under wills and agreements; guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. Further, the company provides mutual funds, securities and insurance brokerage, tax preparation, interest rate swaps, and other services. It operates through 34 branch offices located in 12 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

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