Chemung Financial Corp (CHMG)vsU.S. Bancorp (USB)
CHMG
Chemung Financial Corp
$85.69
-0.22%
FINANCIAL SERVICES · Cap: $415.95M
USB
U.S. Bancorp
$60.70
-0.38%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 22411% more annual revenue ($27.89B vs $123.88M). CHMG leads profitability with a 31.0% profit margin vs 30.0%. CHMG trades at a lower P/E of 10.8x. USB earns a higher WallStSmart Score of 75/100 (B).
CHMG
Strong Buy70
out of 100
Grade: B
USB
Strong Buy75
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 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 3.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%. PEG of 1.44 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 : USB
The primary concerns for USB are Debt/Equity, 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 1.02 — expect wider price swings.
CHMG is growing revenue faster at 24.8% — sustainability is the question.
USB generates stronger free cash flow (3.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 70/100), backed by strong 30.0% 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 →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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