Chemung Financial Corp (CHMG)vsU.S. Bancorp (USB)
CHMG
Chemung Financial Corp
$53.30
+0.28%
FINANCIAL SERVICES · Cap: $255.69M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 28967% more annual revenue ($26.35B vs $90.67M). USB leads profitability with a 28.7% profit margin vs 16.7%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
CHMG
Buy62
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+59.0%
Fair Value
$146.95
Current Price
$53.30
$93.65 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 38.4%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
16.0% revenue growth
Earnings expanding 26.6% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.4% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMG
The strongest argument for CHMG centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 16.7% and operating margin at 38.4%. Revenue growth of 16.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CHMG profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
CHMG is growing revenue faster at 16.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 62/100), backed by strong 28.7% margins. CHMG offers better value entry with a 59.0% margin of safety. 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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