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CHMG vs RWAY

CHMG
Chemung Financial Corporation
NEUTRAL
Price
$59.30
Market Cap
$285.7M
Sector
Financial Services
AI Confidence
80%
RWAY
Runway Growth Finance Corp.
BEARISH
Price
$6.77
Market Cap
$287.5M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CHMG
18.89
RWAY
7.28
Forward P/E
CHMG
7.9
RWAY
4.7
P/B Ratio
CHMG
1.12
RWAY
0.5
P/S Ratio
CHMG
3.15
RWAY
2.09
EV/EBITDA
CHMG
--
RWAY
--

Profitability

Gross Margin
CHMG
0.0%
RWAY
100.0%
Operating Margin
CHMG
38.42%
RWAY
71.97%
Profit Margin
CHMG
16.66%
RWAY
24.79%
ROE
CHMG
6.43%
RWAY
6.81%
ROA
CHMG
0.55%
RWAY
6.07%

Growth

Revenue Growth
CHMG
16.0%
RWAY
-11.1%
Earnings Growth
CHMG
26.6%
RWAY
-72.9%

Financial Health

Debt/Equity
CHMG
--
RWAY
0.93
Current Ratio
CHMG
--
RWAY
1.19
Quick Ratio
CHMG
--
RWAY
1.02

Dividends

Dividend Yield
CHMG
2.26%
RWAY
20.24%
Payout Ratio
CHMG
42.04%
RWAY
150.54%

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)
RWAY BEARISH

RWAY presents as a classic 'value trap' with a stable Piotroski F-Score of 4/9 but severe fundamental deterioration. While the stock trades at a significant discount to book value (P/B 0.50) and the Graham Number ($16.76), these metrics are offset by a collapsing earnings profile (-72.9% YoY) and an unsustainable dividend payout ratio of 150.54%. The combination of bearish insider selling ($15M) and a 0/100 technical trend suggests a lack of confidence in a near-term recovery despite analyst 'buy' ratings.

Strengths
Very low P/E ratio (7.28) and Forward P/E (4.70)
Trading at a deep discount to book value (P/B 0.50)
Strong operating margins (71.97%)
Risks
Unsustainable dividend payout ratio (150.54%) indicating a likely dividend cut
Severe earnings collapse (-72.9% YoY and -73.9% Q/Q)
Negative revenue growth (-11.1% YoY)

Compare Another Pair

CHMG vs RWAY: Head-to-Head Comparison

This page compares Chemung Financial Corporation (CHMG) and Runway Growth Finance Corp. (RWAY) 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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