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Side-by-side financial comparison of CHEMUNG FINANCIAL CORP (CHMG) and R F INDUSTRIES LTD (RFIL). Click either name above to swap in a different company.
CHEMUNG FINANCIAL CORP is the larger business by last-quarter revenue ($23.8M vs $22.7M, roughly 1.1× R F INDUSTRIES LTD). CHEMUNG FINANCIAL CORP runs the higher net margin — 32.5% vs 0.8%, a 31.7% gap on every dollar of revenue. On growth, R F INDUSTRIES LTD posted the faster year-over-year revenue change (22.9% vs 20.3%). CHEMUNG FINANCIAL CORP produced more free cash flow last quarter ($43.8M vs $2.0M). Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% 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.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
CHMG vs RFIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.8M | $22.7M |
| Net Profit | $7.7M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | 46.1% | 4.0% |
| Net Margin | 32.5% | 0.8% |
| Revenue YoY | 20.3% | 22.9% |
| Net Profit YoY | 30.9% | 172.7% |
| EPS (diluted) | $1.61 | $0.01 |
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 | $22.7M | ||
| Q3 25 | $28.8M | $19.8M | ||
| Q2 25 | $10.1M | $18.9M | ||
| Q1 25 | $25.7M | $19.2M | ||
| Q4 24 | $25.9M | $18.5M | ||
| Q3 24 | $24.3M | $16.8M | ||
| Q2 24 | $23.4M | $16.1M | ||
| Q1 24 | $23.7M | $13.5M |
| Q4 25 | $7.7M | $173.0K | ||
| Q3 25 | $7.8M | $392.0K | ||
| Q2 25 | $-6.5M | $-245.0K | ||
| Q1 25 | $6.0M | $-245.0K | ||
| Q4 24 | $5.9M | $-238.0K | ||
| Q3 24 | $5.7M | $-705.0K | ||
| Q2 24 | $5.0M | $-4.3M | ||
| Q1 24 | $7.0M | $-1.4M |
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | 46.1% | 4.0% | ||
| Q3 25 | 35.0% | 3.6% | ||
| Q2 25 | -87.2% | 0.6% | ||
| Q1 25 | 29.9% | 0.3% | ||
| Q4 24 | 29.0% | 0.5% | ||
| Q3 24 | 29.8% | -2.5% | ||
| Q2 24 | 26.8% | -2.6% | ||
| Q1 24 | 38.3% | -15.5% |
| Q4 25 | 32.5% | 0.8% | ||
| Q3 25 | 27.1% | 2.0% | ||
| Q2 25 | -63.9% | -1.3% | ||
| Q1 25 | 23.4% | -1.3% | ||
| Q4 24 | 29.8% | -1.3% | ||
| Q3 24 | 23.5% | -4.2% | ||
| Q2 24 | 21.3% | -26.7% | ||
| Q1 24 | 29.7% | -10.1% |
| Q4 25 | $1.61 | $0.01 | ||
| Q3 25 | $1.62 | $0.04 | ||
| Q2 25 | $-1.35 | $-0.02 | ||
| Q1 25 | $1.26 | $-0.02 | ||
| Q4 24 | $1.24 | $-0.02 | ||
| Q3 24 | $1.19 | $-0.07 | ||
| Q2 24 | $1.05 | $-0.41 | ||
| Q1 24 | $1.48 | $-0.13 |
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 | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.7M | $35.2M |
| Total Assets | $2.7B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $50.1M | $5.1M | ||
| Q3 25 | $107.6M | $3.0M | ||
| Q2 25 | $320.1M | $3.6M | ||
| Q1 25 | $53.4M | $1.3M | ||
| Q4 24 | $47.0M | $839.0K | ||
| Q3 24 | $80.4M | $1.8M | ||
| Q2 24 | $70.2M | $1.4M | ||
| Q1 24 | $94.9M | $4.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $99.1M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $254.7M | $35.2M | ||
| Q3 25 | $245.3M | $34.8M | ||
| Q2 25 | $235.0M | $34.2M | ||
| Q1 25 | $228.3M | $34.2M | ||
| Q4 24 | $215.3M | $34.1M | ||
| Q3 24 | $220.7M | $34.1M | ||
| Q2 24 | $201.2M | $34.6M | ||
| Q1 24 | $197.1M | $38.7M |
| Q4 25 | $2.7B | $73.0M | ||
| Q3 25 | $2.7B | $73.2M | ||
| Q2 25 | $2.9B | $72.7M | ||
| Q1 25 | $2.8B | $70.4M | ||
| Q4 24 | $2.8B | $71.0M | ||
| Q3 24 | $2.8B | $71.9M | ||
| Q2 24 | $2.8B | $72.8M | ||
| Q1 24 | $2.8B | $79.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.42× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.1M |
| Free Cash FlowOCF − Capex | $43.8M | $2.0M |
| FCF MarginFCF / Revenue | 183.7% | 9.0% |
| Capex IntensityCapex / Revenue | 7.1% | 0.3% |
| Cash ConversionOCF / Net Profit | 5.88× | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | $71.9M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.5M | $2.1M | ||
| Q3 25 | $12.2M | $-311.0K | ||
| Q2 25 | $9.7M | $2.2M | ||
| Q1 25 | $7.2M | $601.0K | ||
| Q4 24 | $29.8M | $-244.0K | ||
| Q3 24 | $9.2M | $2.4M | ||
| Q2 24 | $6.5M | $197.0K | ||
| Q1 24 | $7.9M | $840.0K |
| Q4 25 | $43.8M | $2.0M | ||
| Q3 25 | $11.8M | $-419.0K | ||
| Q2 25 | $9.4M | $2.2M | ||
| Q1 25 | $6.9M | $574.0K | ||
| Q4 24 | $26.2M | $-418.0K | ||
| Q3 24 | $8.6M | $2.1M | ||
| Q2 24 | $5.5M | $28.0K | ||
| Q1 24 | $7.9M | $697.0K |
| Q4 25 | 183.7% | 9.0% | ||
| Q3 25 | 41.1% | -2.1% | ||
| Q2 25 | 92.9% | 11.4% | ||
| Q1 25 | 26.7% | 3.0% | ||
| Q4 24 | 101.2% | -2.3% | ||
| Q3 24 | 35.2% | 12.6% | ||
| Q2 24 | 23.4% | 0.2% | ||
| Q1 24 | 33.1% | 5.2% |
| Q4 25 | 7.1% | 0.3% | ||
| Q3 25 | 1.4% | 0.5% | ||
| Q2 25 | 3.6% | 0.2% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 14.0% | 0.9% | ||
| Q3 24 | 2.5% | 1.5% | ||
| Q2 24 | 4.4% | 1.0% | ||
| Q1 24 | 0.3% | 1.1% |
| Q4 25 | 5.88× | 12.13× | ||
| Q3 25 | 1.57× | -0.79× | ||
| Q2 25 | — | — | ||
| 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.
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
