Chemung Financial Corp (CHMG)vsItau Unibanco Banco Holding SA (ITUB)
CHMG
Chemung Financial Corp
$81.11
-0.89%
FINANCIAL SERVICES · Cap: $390.31M
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 118000% more annual revenue ($138.19B vs $117.01M). ITUB leads profitability with a 33.3% profit margin vs 28.7%. ITUB trades at a lower P/E of 10.6x. ITUB earns a higher WallStSmart Score of 73/100 (B).
CHMG
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMG
The strongest argument for CHMG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 37.9%. Revenue growth of 241.7% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
CHMG profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
CHMG carries more volatility with a beta of 0.60 — expect wider price swings.
CHMG is growing revenue faster at 241.7% — sustainability is the question.
CHMG generates stronger free cash flow (9M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (73/100 vs 71/100), backed by strong 33.3% 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 →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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