Chemung Financial Corp (CHMG)vsU.S. Bancorp (USB)
CHMG
Chemung Financial Corp
$81.11
-0.89%
FINANCIAL SERVICES · Cap: $390.31M
USB
U.S. Bancorp
$62.82
+0.13%
FINANCIAL SERVICES · Cap: $100.43B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 23250% more annual revenue ($27.32B vs $117.01M). USB leads profitability with a 29.9% profit margin vs 28.7%. CHMG trades at a lower P/E of 11.6x. USB earns a higher WallStSmart Score of 75/100 (B).
CHMG
Strong Buy71
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
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
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
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, 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 0.98 — expect wider price swings.
CHMG is growing revenue faster at 241.7% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 71/100), backed by strong 29.9% margins and 10.4% 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 →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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