Chemung Financial (NASDAQ:CHMG – Get Free Report) and Bank Hapoalim (OTCMKTS:BKHYY – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, valuation, institutional ownership, profitability and analyst recommendations.
Dividends
Chemung Financial pays an annual dividend of $1.44 per share and has a dividend yield of 1.7%. Bank Hapoalim pays an annual dividend of $3.75 per share and has a dividend yield of 3.2%. Chemung Financial pays out 18.1% of its earnings in the form of a dividend. Bank Hapoalim pays out 33.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chemung Financial has raised its dividend for 1 consecutive years.
Valuation & Earnings
This table compares Chemung Financial and Bank Hapoalim”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chemung Financial | $140.78 million | 2.94 | $15.10 million | $7.97 | 10.78 |
| Bank Hapoalim | $12.56 billion | 2.44 | $2.84 billion | $11.32 | 10.36 |
Bank Hapoalim has higher revenue and earnings than Chemung Financial. Bank Hapoalim is trading at a lower price-to-earnings ratio than Chemung Financial, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Chemung Financial has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500. Comparatively, Bank Hapoalim has a beta of 1.24, meaning that its stock price is 24% more volatile than the S&P 500.
Analyst Ratings
This is a summary of current ratings and target prices for Chemung Financial and Bank Hapoalim, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chemung Financial | 0 | 2 | 4 | 1 | 2.86 |
| Bank Hapoalim | 0 | 1 | 0 | 1 | 3.00 |
Chemung Financial currently has a consensus price target of $88.75, suggesting a potential upside of 3.34%. Given Chemung Financial’s higher probable upside, equities analysts plainly believe Chemung Financial is more favorable than Bank Hapoalim.
Profitability
This table compares Chemung Financial and Bank Hapoalim’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chemung Financial | 23.36% | 14.49% | 1.38% |
| Bank Hapoalim | 22.88% | 14.08% | 1.17% |
Insider and Institutional Ownership
47.5% of Chemung Financial shares are held by institutional investors. 12.7% of Chemung Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Summary
Chemung Financial beats Bank Hapoalim on 10 of the 17 factors compared between the two stocks.
About Chemung Financial
Chemung Financial Corporation is a bank holding company headquartered in Elmira, New York. Its principal subsidiary, Chemung Canal Trust Company, provides personal and business banking services through branches in New York and northern Pennsylvania. The bank offers deposit accounts, loans, mortgages, and other lending services. Through its wealth management and financial services businesses, it also provides trust, investment management, financial planning, and insurance services. Founded in 1833, Chemung Canal Trust Company has a long history of serving communities in the region.
About Bank Hapoalim
Bank Hapoalim B.M. is an Israeli banking and financial services company headquartered in Tel Aviv. Founded in 1921, it provides services to individuals, businesses, institutions and government-related customers, primarily in Israel. The bank offers checking and savings accounts, loans, mortgages, payment services, credit cards and investment products. Its business banking services include credit, financing, cash management and other financial solutions for companies and institutional clients. Bank Hapoalim also provides selected services to customers outside Israel through its international operations.
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