Chemung Financial Corp (CHMG)vsHartford Financial Services Group (HIG)
CHMG
Chemung Financial Corp
$85.69
-0.22%
FINANCIAL SERVICES · Cap: $415.95M
HIG
Hartford Financial Services Group
$136.90
-0.20%
FINANCIAL SERVICES · Cap: $36.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 23783% more annual revenue ($29.59B vs $123.88M). CHMG leads profitability with a 31.0% profit margin vs 15.6%. HIG trades at a lower P/E of 9.2x. HIG earns a higher WallStSmart Score of 79/100 (B+).
CHMG
Strong Buy70
out of 100
Grade: B
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 48.6%
Earnings expanding 62.1% YoY
Reasonable price relative to book value
Revenue surging 24.8% year-over-year
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMG
The strongest argument for CHMG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 48.6%. Revenue growth of 24.8% demonstrates continued momentum.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Piotroski F-Score, Free Cash Flow.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CHMG profiles as a growth stock while HIG is a value play — different risk/reward profiles.
CHMG carries more volatility with a beta of 0.59 — expect wider price swings.
CHMG is growing revenue faster at 24.8% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 70/100), backed by strong 15.6% margins. 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 →Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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