Chemung Financial Corp (CHMG)vsMizuho Financial Group Inc. (MFG)
CHMG
Chemung Financial Corp
$53.30
+0.28%
FINANCIAL SERVICES · Cap: $255.69M
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 4431412% more annual revenue ($4.02T vs $90.67M). MFG leads profitability with a 26.1% profit margin vs 16.7%. MFG trades at a lower P/E of 14.3x. MFG earns a higher WallStSmart Score of 74/100 (B).
CHMG
Buy62
out of 100
Grade: C+
MFG
Strong Buy74
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
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 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
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.4% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
No major concerns identified
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 : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
CHMG profiles as a growth stock while MFG is a mature play — different risk/reward profiles.
CHMG carries more volatility with a beta of 0.46 — expect wider price swings.
CHMG is growing revenue faster at 16.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 62/100), backed by strong 26.1% 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 →Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
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