Chemung Financial Corp (CHMG)vsSun Life Financial Inc. (SLF)
CHMG
Chemung Financial Corp
$85.69
-0.22%
FINANCIAL SERVICES · Cap: $415.95M
SLF
Sun Life Financial Inc.
$72.88
-1.21%
FINANCIAL SERVICES · Cap: $39.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 28633% more annual revenue ($35.59B vs $123.88M). CHMG leads profitability with a 31.0% profit margin vs 8.6%. CHMG trades at a lower P/E of 10.8x. CHMG earns a higher WallStSmart Score of 70/100 (B).
CHMG
Strong Buy70
out of 100
Grade: B
SLF
Buy53
out of 100
Grade: C-
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
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
0.7% revenue growth
Earnings declined 28.6%
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 : SLF
The strongest argument for SLF centers on Price/Book. PEG of 1.19 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 : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
CHMG profiles as a growth stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.76 — expect wider price swings.
CHMG is growing revenue faster at 24.8% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
CHMG scores higher overall (70/100 vs 53/100), backed by strong 31.0% margins and 24.8% revenue growth. Both earn "Strong Buy" and "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 →Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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