Chemung Financial Corp (CHMG)vsHartford Financial Services Group (HIG)
CHMG
Chemung Financial Corp
$81.22
-0.91%
FINANCIAL SERVICES · Cap: $410.31M
HIG
Hartford Financial Services Group
$128.73
-1.53%
FINANCIAL SERVICES · Cap: $35.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 24954% more annual revenue ($29.32B vs $117.01M). CHMG leads profitability with a 28.7% profit margin vs 14.9%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
CHMG
Strong Buy72
out of 100
Grade: B
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMG
The strongest argument for CHMG centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.7% and operating margin at 37.9%. Revenue growth of 241.7% demonstrates continued momentum.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CHMG profiles as a growth stock while HIG is a value play — different risk/reward profiles.
CHMG carries more volatility with a beta of 0.59 — expect wider price swings.
CHMG is growing revenue faster at 241.7% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 72/100). 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 →Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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