MVBF
MVB Financial Corp.
Banks - Regional
Market Cap$339M
5Y Perf.+85.8%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
MVBF vs CHMG
Revenue, margins, valuation, and 5-year total return — side by side.
CHMG
Chemung Financial Corporation
Banks - Regional
Market Cap$331M
5Y Perf.+172.1%
MVBF vs CHMG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MVBF | CHMG |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $339M | $331M |
| Revenue (TTM) | $270M | $140M |
| Net Income (TTM) | $27M | $15M |
| Gross Margin | 71.7% | 64.2% |
| Operating Margin | 13.6% | 14.2% |
| Forward P/E | 15.2x | 9.6x |
| Total Debt | $77M | $5M |
| Cash & Equiv. | $244M | $23M |
MVBF vs CHMG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MVBF
CHMG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| MVB Financial Corp. (MVBF) | 100 | 185.8 | +85.8% |
| Chemung Financial C… (CHMG) | 100 | 272.1 | +172.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MVBF vs CHMG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CHMG leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. MVB Financial Corp. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
MVBF
MVB Financial Corp.
The Banking Pick
MVBF is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.84, yield 2.5%
- Rev growth 19.0%, EPS growth 34.6%
- NIM 3.2% vs CHMG's 3.2%
Best for: income & stability and growth exposure
CHMG
Chemung Financial Corporation
The Banking Pick
CHMG carries the broadest edge in this set and is the clearest fit for long-term compounding and sleep-well-at-night.
- 198.0% 10Y total return vs MVBF's 135.5%
- Lower volatility, beta 0.73, Low D/E 1.9%, current ratio 0.13x
- Beta 0.73, yield 1.9%, current ratio 0.13x
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MVBF | 19.0% NII/revenue growth vs CHMG's -6.5% |
| Value | MVBF | Better valuation composite |
| Quality / Margins | CHMG | Efficiency ratio 0.5% vs MVBF's 0.6% (lower = leaner) |
| Stability / Safety | CHMG | Beta 0.73 vs MVBF's 0.84, lower leverage |
| Dividends | MVBF | 2.5% yield, vs CHMG's 1.9% |
| Momentum (1Y) | CHMG | +54.5% vs MVBF's +53.4% |
| Efficiency (ROA) | CHMG | Efficiency ratio 0.5% vs MVBF's 0.6% |
MVBF vs CHMG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2019
FY 2025
MVBF vs CHMG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMVBFLAGGINGCHMG
CHMGChemung Financial Cor…
3leads
MVBFMVB Financial Corp.
3leads
6 Total Categories
CATEGORYLEADERvs CHMGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CHMG4/5
Valuation MetricsMultiples, price ratios, and targets
MVBF5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MVBF7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CHMG6/6
Risk & VolatilityBeta, volatility, and downside exposure
CHMG2/2
Analyst OutlookRatings, price targets, and dividends
MVBF1/1
Income & Cash Flow (Last 12 Months)
CHMG leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MVBF is the larger business by revenue, generating $270M annually — 1.9x CHMG's $140M. Profitability is closely matched — net margins range from 10.8% (CHMG) to 10.0% (MVBF).
| Metric | MVBFMVB Financial Cor… | CHMGChemung Financial… |
|---|---|---|
| RevenueTrailing 12 months | $270M | $140M |
| EBITDAEarnings before interest/tax | $39M | $22M |
| Net IncomeAfter-tax profit | $27M | $15M |
| Free Cash FlowCash after capex | $2M | $47M |
| Gross MarginGross profit ÷ Revenue | +71.7% | +64.2% |
| Operating MarginEBIT ÷ Revenue | +13.6% | +14.2% |
| Net MarginNet income ÷ Revenue | +10.0% | +10.8% |
| FCF MarginFCF ÷ Revenue | +0.8% | +1.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -55.6% | +29.8% |
CHMG leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
MVBF leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 12.8x trailing earnings, MVBF trades at a 42% valuation discount to CHMG's 22.0x P/E. On an enterprise value basis, MVBF's 4.7x EV/EBITDA is more attractive than CHMG's 15.7x.
| Metric | MVBFMVB Financial Cor… | CHMGChemung Financial… |
|---|---|---|
| Market CapShares × price | $339M | $331M |
| Enterprise ValueMkt cap + debt − cash | $172M | $314M |
| Trailing P/EPrice ÷ TTM EPS | 12.81x | 22.01x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.23x | 9.64x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 4.67x | 15.73x |
| Price / SalesMarket cap ÷ Revenue | 1.25x | 2.37x |
| Price / BookPrice ÷ Book value/share | 1.04x | 1.30x |
| Price / FCFMarket cap ÷ FCF | 160.42x | 163.62x |
MVBF leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
MVBF leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
MVBF delivers a 8.5% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $6 for CHMG. CHMG carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to MVBF's 0.23x. On the Piotroski fundamental quality scale (0–9), MVBF scores 7/9 vs CHMG's 3/9, reflecting strong financial health.
| Metric | MVBFMVB Financial Cor… | CHMGChemung Financial… |
|---|---|---|
| ROE (TTM)Return on equity | +8.5% | +6.3% |
| ROA (TTM)Return on assets | +0.8% | +0.5% |
| ROICReturn on invested capital | +7.0% | +5.0% |
| ROCEReturn on capital employed | +8.2% | +5.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 3 |
| Debt / EquityFinancial leverage | 0.23x | 0.02x |
| Net DebtTotal debt minus cash | -$167M | -$18M |
| Cash & Equiv.Liquid assets | $244M | $23M |
| Total DebtShort + long-term debt | $77M | $5M |
| Interest CoverageEBIT ÷ Interest expense | 0.54x | 0.44x |
MVBF leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CHMG leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CHMG five years ago would be worth $17,043 today (with dividends reinvested), compared to $7,234 for MVBF. Over the past 12 months, CHMG leads with a +54.5% total return vs MVBF's +53.4%. The 3-year compound annual growth rate (CAGR) favors CHMG at 27.7% vs MVBF's 18.2% — a key indicator of consistent wealth creation.
| Metric | MVBFMVB Financial Cor… | CHMGChemung Financial… |
|---|---|---|
| YTD ReturnYear-to-date | +4.3% | +27.0% |
| 1-Year ReturnPast 12 months | +53.4% | +54.5% |
| 3-Year ReturnCumulative with dividends | +65.3% | +108.2% |
| 5-Year ReturnCumulative with dividends | -27.7% | +70.4% |
| 10-Year ReturnCumulative with dividends | +135.5% | +198.0% |
| CAGR (3Y)Annualised 3-year return | +18.2% | +27.7% |
CHMG leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
CHMG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CHMG is the less volatile stock with a 0.73 beta — it tends to amplify market swings less than MVBF's 0.84 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CHMG currently trades 97.3% from its 52-week high vs MVBF's 89.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MVBFMVB Financial Cor… | CHMGChemung Financial… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.84x | 0.73x |
| 52-Week HighHighest price in past year | $29.59 | $70.83 |
| 52-Week LowLowest price in past year | $17.13 | $43.20 |
| % of 52W HighCurrent price vs 52-week peak | +89.2% | +97.3% |
| RSI (14)Momentum oscillator 0–100 | 50.8 | 67.4 |
| Avg Volume (50D)Average daily shares traded | 34K | 10K |
CHMG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
MVBF leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates MVBF as "Buy" and CHMG as "Hold". Consensus price targets imply 13.7% upside for MVBF (target: $30) vs -27.4% for CHMG (target: $50). For income investors, MVBF offers the higher dividend yield at 2.52% vs CHMG's 1.91%.
| Metric | MVBFMVB Financial Cor… | CHMGChemung Financial… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $30.00 | $50.00 |
| # AnalystsCovering analysts | 7 | 7 |
| Dividend YieldAnnual dividend ÷ price | +2.5% | +1.9% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.66 | $1.31 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.0% | 0.0% |
MVBF leads this category, winning 1 of 1 comparable metric.
Key Takeaway
CHMG leads in 3 of 6 categories (Income & Cash Flow, Total Returns). MVBF leads in 3 (Valuation Metrics, Profitability & Efficiency).
Best OverallMVB Financial Corp. (MVBF)Leads 3 of 6 categories
Loading custom metrics...
MVBF vs CHMG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MVBF or CHMG a better buy right now?
For growth investors, MVB Financial Corp.
(MVBF) is the stronger pick with 19. 0% revenue growth year-over-year, versus -6. 5% for Chemung Financial Corporation (CHMG). MVB Financial Corp. (MVBF) offers the better valuation at 12. 8x trailing P/E (15. 2x forward), making it the more compelling value choice. Analysts rate MVB Financial Corp. (MVBF) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MVBF or CHMG?
On trailing P/E, MVB Financial Corp.
(MVBF) is the cheapest at 12. 8x versus Chemung Financial Corporation at 22. 0x. On forward P/E, Chemung Financial Corporation is actually cheaper at 9. 6x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — MVBF or CHMG?
Over the past 5 years, Chemung Financial Corporation (CHMG) delivered a total return of +70.
4%, compared to -27. 7% for MVB Financial Corp. (MVBF). Over 10 years, the gap is even starker: CHMG returned +198. 0% versus MVBF's +135. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MVBF or CHMG?
By beta (market sensitivity over 5 years), Chemung Financial Corporation (CHMG) is the lower-risk stock at 0.
73β versus MVB Financial Corp. 's 0. 84β — meaning MVBF is approximately 14% more volatile than CHMG relative to the S&P 500. On balance sheet safety, Chemung Financial Corporation (CHMG) carries a lower debt/equity ratio of 2% versus 23% for MVB Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — MVBF or CHMG?
By revenue growth (latest reported year), MVB Financial Corp.
(MVBF) is pulling ahead at 19. 0% versus -6. 5% for Chemung Financial Corporation (CHMG). On earnings-per-share growth, the picture is similar: MVB Financial Corp. grew EPS 34. 6% year-over-year, compared to -36. 9% for Chemung Financial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MVBF or CHMG?
Chemung Financial Corporation (CHMG) is the more profitable company, earning 10.
8% net margin versus 10. 0% for MVB Financial Corp. — meaning it keeps 10. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CHMG leads at 14. 2% versus 13. 6% for MVBF. At the gross margin level — before operating expenses — MVBF leads at 71. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MVBF or CHMG more undervalued right now?
On forward earnings alone, Chemung Financial Corporation (CHMG) trades at 9.
6x forward P/E versus 15. 2x for MVB Financial Corp. — 5. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MVBF: 13. 7% to $30. 00.
08Which pays a better dividend — MVBF or CHMG?
All stocks in this comparison pay dividends.
MVB Financial Corp. (MVBF) offers the highest yield at 2. 5%, versus 1. 9% for Chemung Financial Corporation (CHMG).
09Is MVBF or CHMG better for a retirement portfolio?
For long-horizon retirement investors, Chemung Financial Corporation (CHMG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
73), 1. 9% yield, +198. 0% 10Y return). Both have compounded well over 10 years (CHMG: +198. 0%, MVBF: +135. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MVBF and CHMG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: MVBF is a small-cap high-growth stock; CHMG is a small-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(MVBF: 19.0% · CHMG: -6.5%)Net Margin>
%
(MVBF: 10.0% · CHMG: 10.8%)P/E Ratio<
x
(MVBF: 12.8x · CHMG: 22.0x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.