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CHMG vs EFT

CHMG
Chemung Financial Corporation
NEUTRAL
Price
$59.30
Market Cap
$285.7M
Sector
Financial Services
AI Confidence
80%
EFT
Eaton Vance Floating-Rate Income Trust
BEARISH
Price
$10.79
Market Cap
$286.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CHMG
18.89
EFT
22.48
Forward P/E
CHMG
7.9
EFT
--
P/B Ratio
CHMG
1.12
EFT
0.86
P/S Ratio
CHMG
3.15
EFT
6.39
EV/EBITDA
CHMG
--
EFT
--

Profitability

Gross Margin
CHMG
0.0%
EFT
100.0%
Operating Margin
CHMG
38.42%
EFT
89.29%
Profit Margin
CHMG
16.66%
EFT
28.44%
ROE
CHMG
6.43%
EFT
3.74%
ROA
CHMG
0.55%
EFT
4.57%

Growth

Revenue Growth
CHMG
16.0%
EFT
-18.1%
Earnings Growth
CHMG
26.6%
EFT
-47.2%

Financial Health

Debt/Equity
CHMG
--
EFT
0.52
Current Ratio
CHMG
--
EFT
0.09
Quick Ratio
CHMG
--
EFT
0.09

Dividends

Dividend Yield
CHMG
2.26%
EFT
7.67%
Payout Ratio
CHMG
42.04%
EFT
267.5%

AI Verdict

CHMG NEUTRAL

CHMG presents a dichotomy between strong growth fundamentals and bearish internal signals. The Piotroski F-Score of 4/9 indicates stable but not robust financial health, while the stock trades slightly below its Graham Number ($61.29) and significantly below its growth-based intrinsic value ($92.63). While YoY earnings growth is impressive at 26.6% and the forward P/E of 7.90 suggests deep value, the combination of a 0/100 technical trend and consistent insider selling creates a cautionary environment.

Strengths
Strong earnings growth (YoY +26.6%, Q/Q +30.9%)
Attractive forward valuation with a Forward P/E of 7.90
Reasonable Price-to-Book ratio of 1.12
Risks
Bearish insider sentiment with 4 sales and 0 buys in 6 months
Low profitability efficiency (ROE 6.43%, ROA 0.55%)
Recent earnings momentum slowing (only 1 of last 4 quarters beat estimates)
EFT BEARISH

Eaton Vance Floating-Rate Income Trust (EFT) presents as a classic value trap. While the Piotroski F-Score of 5/9 indicates stable financial health and the Graham Number ($11.65) suggests a slight undervaluation, these are overshadowed by a catastrophic earnings collapse (-47.20% YoY) and a completely unsustainable dividend payout ratio of 267.50%. The stark divergence between the Graham Number and the growth-based Intrinsic Value ($3.36) highlights a business in fundamental decline, further confirmed by a 0/100 bearish technical trend.

Strengths
Trading below book value (P/B 0.86)
Stable Piotroski F-Score (5/9)
High nominal dividend yield (7.67%)
Risks
Unsustainable dividend payout ratio (267.50%)
Severe earnings contraction (-47.20% YoY)
Significant revenue decline (-18.10% YoY)

Compare Another Pair

CHMG vs EFT: Head-to-Head Comparison

This page compares Chemung Financial Corporation (CHMG) and Eaton Vance Floating-Rate Income Trust (EFT) 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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