Chemung Financial Corp (CHMG)vsSun Life Financial Inc. (SLF)
CHMG
Chemung Financial Corp
$81.22
-0.91%
FINANCIAL SERVICES · Cap: $410.31M
SLF
Sun Life Financial Inc.
$79.96
-0.93%
FINANCIAL SERVICES · Cap: $44.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 30264% more annual revenue ($35.53B vs $117.01M). CHMG leads profitability with a 28.7% profit margin vs 9.5%. CHMG trades at a lower P/E of 12.2x. CHMG earns a higher WallStSmart Score of 72/100 (B).
CHMG
Strong Buy72
out of 100
Grade: B
SLF
Strong Buy67
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
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Smaller company, higher risk/reward
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, 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 : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 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 : SLF
No major red flags identified for SLF, but monitor valuation.
Key Dynamics to Monitor
CHMG profiles as a growth stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.80 — expect wider price swings.
CHMG is growing revenue faster at 241.7% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
CHMG scores higher overall (72/100 vs 67/100), backed by strong 28.7% margins and 241.7% 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 →Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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