CHMG vs PCB

Comparison between Chemung Financial Corp (CHMG, Company) and PCB Bancorp. (PCB, Company).

Both CHMG and PCB are from the Financial Services sector.

5-Year PerformanceCHMG has outperformed PCB, delivering a return of +15.6% compared to +10.8%

CHMG vs PCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CHMG(COMPANY)	PCB(COMPANY)
Market Cap	$397M	$397M
Max Drawdown	59.08%	61.83%
Sharpe Ratio	1.77	1.27
5Y Beta	0.63	0.73
Industry	Banks - Regional	Banks - Regional
P/E Ratio	20.74	9.61
Forward P/E	9.29	N/A
PEG Ratio	N/A	0.17
Dividend Yield	1.65%	3.05%
5Y Dividends CAGR	9.04%	15.31%
5Y EPS CAGR	10.12%	22.71%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	11.44%	10.56%

Market Cap

Winner

CHMG

$397M

PCB

$397M

Max Drawdown

Winner

CHMG

59.08%

PCB

61.83%

Sharpe Ratio

Winner

CHMG

1.77

PCB

1.27

5Y Beta

Winner

CHMG

0.63

PCB

0.73

Industry

CHMG

Banks - Regional

PCB

Banks - Regional

P/E Ratio

CHMG

20.74

Winner

PCB

9.61

Forward P/E

CHMG

9.29

PCB

N/A

PEG Ratio

CHMG

N/A

PCB

0.17

Dividend Yield

CHMG

1.65%

Winner

PCB

3.05%

5Y Dividends CAGR

CHMG

9.04%

Winner

PCB

15.31%

5Y EPS CAGR

CHMG

10.12%

Winner

PCB

22.71%

Debt to Equity

CHMG

0.00%

PCB

0.00%

Free Cash Flow Yield

Winner

CHMG

11.44%

PCB

10.56%

CHMG vs PCB - Historical Returns

Returns include dividend reinvestment.

Period	CHMG	PCB
1 month	+11.54%	-1.52%
3 months	+26.46%	+21.04%
6 months	+42.16%	+26.93%
1 year	+63.01%	+33.61%
5 years(CAGR)	+15.63%	+10.79%
10 years(CAGR)	+13.82%	+12.60%
Max(CAGR)	+8.26%	+10.74%

Winner

CHMG

+11.54%

PCB

-1.52%

Winner

CHMG

+26.46%

PCB

+21.04%

Winner

CHMG

+42.16%

PCB

+26.93%

Winner

CHMG

+63.01%

PCB

+33.61%

5Y(CAGR)

Winner

CHMG

+15.63%

PCB

+10.79%

10Y(CAGR)

Winner

CHMG

+13.82%

PCB

+12.60%

Max(CAGR)

CHMG

+8.26%

Winner

PCB

+10.74%

CHMG vs PCB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CHMG	PCB
2026	+55.05%	+35.64%
2025	+20.27%	+14.63%
2024	+0.43%	+16.79%
2023	+12.85%	+7.81%
2022	+3.83%	-18.27%
2021	+40.45%	+122.95%
2020	-16.42%	-38.69%
2019	+3.75%	+18.74%
2018	-14.18%	+6.86%
2017	+38.89%	+20.27%
2016	+35.58%	+2.63%
2015	+2.58%	+4.50%
2014	-13.22%	+12.55%
2013	+16.28%	N/A
2012	+31.29%	N/A
2011	+6.93%	N/A
2010	+10.31%	N/A
2009	+6.19%	N/A
2008	-26.47%	N/A
2007	-11.08%	N/A
2006	+8.38%	N/A
2005	-2.74%	N/A
2004	-4.97%	N/A
2003	+42.07%	N/A
2002	-4.59%	N/A
2001	+55.66%	N/A
2000	-17.46%	N/A
1999	+0.82%	N/A

CHMG vs PCB Drawdown Comparison

The maximum drawdown for CHMG was -55.13%, occurring on Mar 16, 2020. Recovery took 1162 trading sessions.

The maximum drawdown for PCB was -60.91%, occurring on Apr 23, 2020. Recovery took 732 trading sessions.

The current PCB drawdown is -6.16%.

Rank	CHMG	PCB
#1	-55.13% Dec 18, 2017 - Aug 2, 2022	-60.91% Sep 11, 2018 - Aug 9, 2021
#2	-51.75% Dec 24, 2003 - Dec 10, 2012	-46.48% Feb 8, 2022 - Jul 3, 2025
#3	-34.59% Feb 2, 2023 - Jul 17, 2024	-31.48% May 29, 2015 - Dec 19, 2017
#4	-28.00% Dec 30, 1999 - Jun 26, 2001	-11.57% Aug 6, 2014 - Jan 30, 2015
#5	-25.12% Dec 6, 2024 - Aug 28, 2025	-11.39% Aug 22, 2025 - Dec 10, 2025
#6	-22.82% Jan 21, 2014 - May 24, 2016	-10.78% Aug 11, 2021 - Oct 29, 2021
#7	-20.63% Feb 9, 2026 - Apr 20, 2026	-10.56% May 9, 2018 - Jul 30, 2018
#8	-17.56% Dec 6, 2001 - May 16, 2003	-10.25% Jan 18, 2022 - Feb 3, 2022
#9	-15.92% May 25, 2016 - Dec 5, 2016	-10.14% Dec 16, 2025 - Apr 8, 2026
#10	-14.19% Aug 2, 2022 - Jan 20, 2023	-9.63% Jul 16, 2026 - Jul 30, 2026
#11	-13.86% Oct 18, 2013 - Jan 21, 2014	-9.62% Jul 3, 2025 - Aug 22, 2025
#12	-13.03% Jul 17, 2024 - Nov 6, 2024	-9.18% Nov 9, 2021 - Jan 13, 2022
#13	-11.46% Jun 27, 2013 - Sep 20, 2013	-8.77% Jan 30, 2015 - May 26, 2015
#14	-10.94% Dec 21, 2016 - Feb 13, 2017	-5.91% May 7, 2026 - Jun 5, 2026
#15	-10.93% Dec 18, 2025 - Jan 30, 2026	-5.81% Dec 26, 2017 - Apr 24, 2018

Correlation

Correlation between CHMG and PCB is 0.93 which considered as a very strong positive correlation - the stocks move almost identically together.

0.93

-101

Dividend Comparison (1999 - 2026)

CHMG vs PCB dividend yield comparison.

Year	CHMG	PCB
2026	0.81%	2.31%
2025	2.37%	3.70%
2024	2.54%	3.56%
2023	2.49%	3.74%
2022	2.70%	3.39%
2021	2.56%	2.00%
2020	3.06%	3.96%
2019	2.45%	1.45%
2018	2.52%	0.77%
2017	2.16%	0.77%
2016	2.86%	0.92%
2015	3.78%	0.70%
2014	3.76%	0.00%
2013	3.04%	0.00%
2012	3.35%	0.00%
2011	4.41%	0.00%
2010	4.44%	0.00%
2009	6.11%	0.00%
2008	3.75%	0.00%
2007	3.46%	0.00%
2006	3.00%	0.00%
2005	3.11%	0.00%
2004	2.84%	0.00%
2003	2.49%	0.00%
2002	3.41%	0.00%
2001	3.08%	0.00%
2000	4.47%	0.00%
1999	0.86%	0.00%