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ACV vs CHMG

ACV
Virtus Diversified Income & Convertible Fund
BEARISH
Price
$27.94
Market Cap
$289.9M
Sector
Financial Services
AI Confidence
65%
CHMG
Chemung Financial Corporation
BULLISH
Price
$55.80
Market Cap
$268.9M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ACV
6.7
CHMG
17.77
Forward P/E
ACV
--
CHMG
7.41
P/B Ratio
ACV
--
CHMG
1.05
P/S Ratio
ACV
--
CHMG
2.97
EV/EBITDA
ACV
--
CHMG
--

Profitability

Gross Margin
ACV
0.0%
CHMG
0.0%
Operating Margin
ACV
0.0%
CHMG
38.42%
Profit Margin
ACV
0.0%
CHMG
16.66%
ROE
ACV
--
CHMG
6.43%
ROA
ACV
--
CHMG
0.55%

Growth

Revenue Growth
ACV
--
CHMG
16.0%
Earnings Growth
ACV
--
CHMG
26.6%

Financial Health

Debt/Equity
ACV
--
CHMG
--
Current Ratio
ACV
--
CHMG
--
Quick Ratio
ACV
--
CHMG
--

Dividends

Dividend Yield
ACV
7.73%
CHMG
2.46%
Payout Ratio
ACV
51.8%
CHMG
42.04%

AI Verdict

ACV BEARISH

The Advanced Deterministic Scorecard reveals severe financial health concerns with a Piotroski F-Score of just 1/9, indicating weak fundamental strength. Despite a current price of $27.94 being close to the growth-based intrinsic value of $29.19, the lack of profitability (0% margins across the board), missing financial ratios, and extremely weak technical trend (10/100) undermine valuation support. The 7.73% dividend yield appears attractive but is offset by opaque capital structure and no verifiable payout sustainability metrics. Strong past price performance (+36.2% 1Y) contrasts sharply with deteriorating fundamentals and absence of analyst coverage, suggesting potential value trap dynamics.

Strengths
Attractive dividend yield of 7.73% with a payout ratio of 51.80%, suggesting room for sustainability if earnings are stable
Current price ($27.94) trades slightly below growth-based intrinsic value estimate ($29.19), offering modest upside potential
Strong historical price performance: +76.3% over 3 years and +36.2% over 1 year, indicating investor demand or momentum
Risks
Critically low Piotroski F-Score of 1/9 signals severe financial distress and poor accounting quality
All profitability margins are 0.00% — profit, operating, and gross — indicating no earnings generation capacity
Missing key financial data (ROE, ROA, Debt/Equity, Cash, Debt) creates high uncertainty in financial health assessment
CHMG BULLISH

CHMG shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong revenue growth of 16.0%
Risks
Limited historical data available for full assessment

Compare Another Pair

ACV vs CHMG: Head-to-Head Comparison

This page compares Virtus Diversified Income & Convertible Fund (ACV) and Chemung Financial Corporation (CHMG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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