Chemung Financial Corp (CHMG)vsHDFC Bank Limited ADR (HDB)
CHMG
Chemung Financial Corp
$81.22
-0.91%
FINANCIAL SERVICES · Cap: $410.31M
HDB
HDFC Bank Limited ADR
$22.79
-2.65%
FINANCIAL SERVICES · Cap: $119.02B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 2520791% more annual revenue ($2.95T vs $117.01M). CHMG leads profitability with a 28.7% profit margin vs 26.8%. CHMG trades at a lower P/E of 12.2x. HDB earns a higher WallStSmart Score of 76/100 (B+).
CHMG
Strong Buy72
out of 100
Grade: B
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.9%
Revenue surging 241.7% year-over-year
Earnings expanding 51.7% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 33.3%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
16.6% revenue growth
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Trading at 9.1x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMG
The strongest argument for CHMG centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.7% and operating margin at 37.9%. Revenue growth of 241.7% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
CHMG carries more volatility with a beta of 0.59 — expect wider price swings.
CHMG is growing revenue faster at 241.7% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (76/100 vs 72/100), backed by strong 26.8% margins and 16.6% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Chemung Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Chemung Financial Corporation is the holding company of Chemung Canal Trust Company providing a range of banking, finance, trust and other financial services. The company is headquartered in Elmira, New York.
Visit Website →HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?