BCAL
Price
$19.78
Change
-$0.08 (-0.40%)
Updated
Dec 12 closing price
Capitalization
639.34M
44 days until earnings call
Intraday BUY SELL Signals
CHMG
Price
$57.60
Change
-$0.28 (-0.48%)
Updated
Dec 12 closing price
Capitalization
276.15M
44 days until earnings call
Intraday BUY SELL Signals
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BCAL vs CHMG

Header iconBCAL vs CHMG Comparison
Open Charts BCAL vs CHMGBanner chart's image
California Ban
Price$19.78
Change-$0.08 (-0.40%)
Volume$412.07K
Capitalization639.34M
Chemung Financial
Price$57.60
Change-$0.28 (-0.48%)
Volume$11.34K
Capitalization276.15M
BCAL vs CHMG Comparison Chart in %
BCAL
Daily Signal:
Gain/Loss:
CHMG
Daily Signal:
Gain/Loss:
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BCAL vs. CHMG commentary
Dec 15, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BCAL is a StrongBuy and CHMG is a StrongBuy.

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COMPARISON
Comparison
Dec 15, 2025
Stock price -- (BCAL: $19.86 vs. CHMG: $57.88)
Brand notoriety: BCAL and CHMG are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BCAL: 289% vs. CHMG: 115%
Market capitalization -- BCAL: $639.34M vs. CHMG: $276.15M
BCAL [@Regional Banks] is valued at $639.34M. CHMG’s [@Regional Banks] market capitalization is $276.15M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.57B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BCAL’s FA Score shows that 0 FA rating(s) are green whileCHMG’s FA Score has 2 green FA rating(s).

  • BCAL’s FA Score: 0 green, 5 red.
  • CHMG’s FA Score: 2 green, 3 red.
According to our system of comparison, BCAL is a better buy in the long-term than CHMG.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BCAL’s TA Score shows that 4 TA indicator(s) are bullish while CHMG’s TA Score has 6 bullish TA indicator(s).

  • BCAL’s TA Score: 4 bullish, 3 bearish.
  • CHMG’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, CHMG is a better buy in the short-term than BCAL.

Price Growth

BCAL (@Regional Banks) experienced а +0.56% price change this week, while CHMG (@Regional Banks) price change was +8.01% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

BCAL is expected to report earnings on Jan 28, 2026.

CHMG is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (+2.16% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BCAL($639M) has a higher market cap than CHMG($276M). CHMG has higher P/E ratio than BCAL: CHMG (20.79) vs BCAL (9.12). CHMG (20.963) and BCAL (20.073) have similar YTD gains . BCAL (52.6M) and CHMG (52.7M) have identical debt. BCAL has higher revenues than CHMG: BCAL (180M) vs CHMG (89.3M).
BCALCHMGBCAL / CHMG
Capitalization639M276M232%
EBITDAN/AN/A-
Gain YTD20.07320.96396%
P/E Ratio9.1220.7944%
Revenue180M89.3M202%
Total CashN/A35.8M-
Total Debt52.6M52.7M100%
FUNDAMENTALS RATINGS
BCAL vs CHMG: Fundamental Ratings
BCAL
CHMG
OUTLOOK RATING
1..100
1127
VALUATION
overvalued / fair valued / undervalued
1..100
38
Fair valued
75
Overvalued
PROFIT vs RISK RATING
1..100
3631
SMR RATING
1..100
3757
PRICE GROWTH RATING
1..100
4446
P/E GROWTH RATING
1..100
10011
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

BCAL's Valuation (38) in the null industry is somewhat better than the same rating for CHMG (75) in the Regional Banks industry. This means that BCAL’s stock grew somewhat faster than CHMG’s over the last 12 months.

CHMG's Profit vs Risk Rating (31) in the Regional Banks industry is in the same range as BCAL (36) in the null industry. This means that CHMG’s stock grew similarly to BCAL’s over the last 12 months.

BCAL's SMR Rating (37) in the null industry is in the same range as CHMG (57) in the Regional Banks industry. This means that BCAL’s stock grew similarly to CHMG’s over the last 12 months.

BCAL's Price Growth Rating (44) in the null industry is in the same range as CHMG (46) in the Regional Banks industry. This means that BCAL’s stock grew similarly to CHMG’s over the last 12 months.

CHMG's P/E Growth Rating (11) in the Regional Banks industry is significantly better than the same rating for BCAL (100) in the null industry. This means that CHMG’s stock grew significantly faster than BCAL’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BCALCHMG
RSI
ODDS (%)
Bearish Trend 4 days ago
64%
Bearish Trend 4 days ago
50%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
60%
Bearish Trend 4 days ago
43%
Momentum
ODDS (%)
Bullish Trend 4 days ago
47%
Bullish Trend 4 days ago
61%
MACD
ODDS (%)
Bullish Trend 4 days ago
50%
Bullish Trend 4 days ago
55%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
46%
Bullish Trend 4 days ago
63%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
37%
Bullish Trend 4 days ago
58%
Advances
ODDS (%)
Bullish Trend 11 days ago
65%
Bullish Trend 4 days ago
65%
Declines
ODDS (%)
Bearish Trend 4 days ago
63%
Bearish Trend 10 days ago
44%
BollingerBands
ODDS (%)
N/A
Bearish Trend 4 days ago
38%
Aroon
ODDS (%)
Bullish Trend 4 days ago
31%
Bullish Trend 4 days ago
50%
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BCAL
Daily Signal:
Gain/Loss:
CHMG
Daily Signal:
Gain/Loss:
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BCAL and

Correlation & Price change

A.I.dvisor indicates that over the last year, BCAL has been closely correlated with CWBC. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if BCAL jumps, then CWBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BCAL
1D Price
Change %
BCAL100%
-0.20%
CWBC - BCAL
77%
Closely correlated
+0.85%
SHBI - BCAL
76%
Closely correlated
+1.24%
TRMK - BCAL
76%
Closely correlated
+0.59%
BHRB - BCAL
76%
Closely correlated
+0.54%
BUSE - BCAL
76%
Closely correlated
+0.64%
More

CHMG and

Correlation & Price change

A.I.dvisor indicates that over the last year, CHMG has been closely correlated with WSBF. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if CHMG jumps, then WSBF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CHMG
1D Price
Change %
CHMG100%
+3.34%
WSBF - CHMG
69%
Closely correlated
+1.55%
BHRB - CHMG
68%
Closely correlated
+0.54%
TRMK - CHMG
67%
Closely correlated
+0.59%
UMBF - CHMG
66%
Closely correlated
+1.22%
CCNE - CHMG
66%
Closely correlated
+0.51%
More