Chemung Financial Corp (CHMG)vsItau Unibanco Banco Holding SA (ITUB)
CHMG
Chemung Financial Corp
$85.69
-0.22%
FINANCIAL SERVICES · Cap: $415.95M
ITUB
Itau Unibanco Banco Holding SA
$7.38
-2.38%
FINANCIAL SERVICES · Cap: $78.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 115912% more annual revenue ($143.71B vs $123.88M). ITUB leads profitability with a 32.6% profit margin vs 31.0%. ITUB trades at a lower P/E of 9.1x. ITUB earns a higher WallStSmart Score of 79/100 (B+).
CHMG
Strong Buy70
out of 100
Grade: B
ITUB
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
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
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
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
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 : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Piotroski F-Score, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
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.
CHMG generates stronger free cash flow (-17M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (79/100 vs 70/100), backed by strong 32.6% margins and 17.5% 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 →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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