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Side-by-side financial comparison of CHEMUNG FINANCIAL CORP (CHMG) and La Rosa Holdings Corp. (LRHC). Click either name above to swap in a different company.
CHEMUNG FINANCIAL CORP is the larger business by last-quarter revenue ($23.8M vs $20.2M, roughly 1.2× La Rosa Holdings Corp.). CHEMUNG FINANCIAL CORP runs the higher net margin — 32.5% vs -27.4%, a 59.8% gap on every dollar of revenue. On growth, CHEMUNG FINANCIAL CORP posted the faster year-over-year revenue change (20.3% vs 3.2%). Over the past eight quarters, La Rosa Holdings Corp.'s revenue compounded faster (72.5% CAGR vs 0.2%).
Chemung Canal Trust Company is a New York State chartered trust company based in Elmira, New York. It was founded as a publicly traded bank in 1833.
V. La Rosa and Sons Macaroni Company was founded in 1914 by Vincenzo La Rosa, a Sicilian immigrant. The company eventually became one of the largest regional brands in the United States producing over 40 varieties of pasta.
CHMG vs LRHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.8M | $20.2M |
| Net Profit | $7.7M | $-5.5M |
| Gross Margin | — | 8.4% |
| Operating Margin | 46.1% | -24.7% |
| Net Margin | 32.5% | -27.4% |
| Revenue YoY | 20.3% | 3.2% |
| Net Profit YoY | 30.9% | -125.7% |
| EPS (diluted) | $1.61 | $-5.44 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $23.8M | — | ||
| Q3 25 | $28.8M | $20.2M | ||
| Q2 25 | $10.1M | $23.2M | ||
| Q1 25 | $25.7M | $17.5M | ||
| Q4 24 | $25.9M | $17.7M | ||
| Q3 24 | $24.3M | $19.6M | ||
| Q2 24 | $23.4M | $19.1M | ||
| Q1 24 | $23.7M | $13.1M |
| Q4 25 | $7.7M | — | ||
| Q3 25 | $7.8M | $-5.5M | ||
| Q2 25 | $-6.5M | $78.4M | ||
| Q1 25 | $6.0M | $-95.7M | ||
| Q4 24 | $5.9M | $-5.1M | ||
| Q3 24 | $5.7M | $-2.5M | ||
| Q2 24 | $5.0M | $-2.3M | ||
| Q1 24 | $7.0M | $-4.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | 8.0% | ||
| Q1 25 | — | 8.8% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 8.3% | ||
| Q1 24 | — | 8.9% |
| Q4 25 | 46.1% | — | ||
| Q3 25 | 35.0% | -24.7% | ||
| Q2 25 | -87.2% | -10.6% | ||
| Q1 25 | 29.9% | -26.7% | ||
| Q4 24 | 29.0% | -17.1% | ||
| Q3 24 | 29.8% | -8.9% | ||
| Q2 24 | 26.8% | -9.7% | ||
| Q1 24 | 38.3% | -35.0% |
| Q4 25 | 32.5% | — | ||
| Q3 25 | 27.1% | -27.4% | ||
| Q2 25 | -63.9% | 337.8% | ||
| Q1 25 | 23.4% | -546.5% | ||
| Q4 24 | 29.8% | -28.7% | ||
| Q3 24 | 23.5% | -12.5% | ||
| Q2 24 | 21.3% | -12.2% | ||
| Q1 24 | 29.7% | -35.1% |
| Q4 25 | $1.61 | — | ||
| Q3 25 | $1.62 | $-5.44 | ||
| Q2 25 | $-1.35 | $15.25 | ||
| Q1 25 | $1.26 | $-5.86 | ||
| Q4 24 | $1.24 | $28.54 | ||
| Q3 24 | $1.19 | $-16.49 | ||
| Q2 24 | $1.05 | $-12.49 | ||
| Q1 24 | $1.48 | $-0.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $50.1M | $4.0M |
| Total DebtLower is stronger | — | $642.8K |
| Stockholders' EquityBook value | $254.7M | $1.6M |
| Total Assets | $2.7B | $21.7M |
| Debt / EquityLower = less leverage | — | 0.41× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $50.1M | — | ||
| Q3 25 | $107.6M | $4.0M | ||
| Q2 25 | $320.1M | $5.1M | ||
| Q1 25 | $53.4M | $2.9M | ||
| Q4 24 | $47.0M | $1.4M | ||
| Q3 24 | $80.4M | $1.8M | ||
| Q2 24 | $70.2M | $1.6M | ||
| Q1 24 | $94.9M | $1.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | $642.8K | ||
| Q2 25 | $99.1M | $644.3K | ||
| Q1 25 | — | $645.9K | ||
| Q4 24 | — | $647.6K | ||
| Q3 24 | — | $649.2K | ||
| Q2 24 | — | $650.8K | ||
| Q1 24 | — | $652.4K |
| Q4 25 | $254.7M | — | ||
| Q3 25 | $245.3M | $1.6M | ||
| Q2 25 | $235.0M | $3.4M | ||
| Q1 25 | $228.3M | $-87.5M | ||
| Q4 24 | $215.3M | $2.6M | ||
| Q3 24 | $220.7M | $5.0M | ||
| Q2 24 | $201.2M | $4.7M | ||
| Q1 24 | $197.1M | $5.6M |
| Q4 25 | $2.7B | — | ||
| Q3 25 | $2.7B | $21.7M | ||
| Q2 25 | $2.9B | $22.9M | ||
| Q1 25 | $2.8B | $21.0M | ||
| Q4 24 | $2.8B | $19.4M | ||
| Q3 24 | $2.8B | $19.7M | ||
| Q2 24 | $2.8B | $18.7M | ||
| Q1 24 | $2.8B | $16.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.41× | ||
| Q2 25 | 0.42× | 0.19× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.13× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.12× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $45.5M | $-1.3M |
| Free Cash FlowOCF − Capex | $43.8M | — |
| FCF MarginFCF / Revenue | 183.7% | — |
| Capex IntensityCapex / Revenue | 7.1% | — |
| Cash ConversionOCF / Net Profit | 5.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $71.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.5M | — | ||
| Q3 25 | $12.2M | $-1.3M | ||
| Q2 25 | $9.7M | $-1.4M | ||
| Q1 25 | $7.2M | $-3.5M | ||
| Q4 24 | $29.8M | $-1.1M | ||
| Q3 24 | $9.2M | $-591.6K | ||
| Q2 24 | $6.5M | $-803.1K | ||
| Q1 24 | $7.9M | $-538.3K |
| Q4 25 | $43.8M | — | ||
| Q3 25 | $11.8M | — | ||
| Q2 25 | $9.4M | — | ||
| Q1 25 | $6.9M | — | ||
| Q4 24 | $26.2M | — | ||
| Q3 24 | $8.6M | — | ||
| Q2 24 | $5.5M | — | ||
| Q1 24 | $7.9M | — |
| Q4 25 | 183.7% | — | ||
| Q3 25 | 41.1% | — | ||
| Q2 25 | 92.9% | — | ||
| Q1 25 | 26.7% | — | ||
| Q4 24 | 101.2% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 23.4% | — | ||
| Q1 24 | 33.1% | — |
| Q4 25 | 7.1% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 3.6% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 14.0% | — | ||
| Q3 24 | 2.5% | — | ||
| Q2 24 | 4.4% | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | 5.88× | — | ||
| Q3 25 | 1.57× | — | ||
| Q2 25 | — | -0.02× | ||
| Q1 25 | 1.19× | — | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.30× | — | ||
| Q1 24 | 1.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CHMG
Segment breakdown not available.
LRHC
| Real Estate Residential Brokerage Services | $16.8M | 83% |
| Transferred Over Time | $3.5M | 17% |
