CHMG
Price
$51.09
Change
+$0.53 (+1.05%)
Updated
Nov 19, 01:21 PM (EDT)
Capitalization
244.18M
69 days until earnings call
Intraday BUY SELL Signals
WSBF
Price
$15.29
Change
+$0.10 (+0.66%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
282.21M
75 days until earnings call
Intraday BUY SELL Signals
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CHMG vs WSBF

Header iconCHMG vs WSBF Comparison
Open Charts CHMG vs WSBFBanner chart's image
Chemung Financial
Price$51.09
Change+$0.53 (+1.05%)
Volume$100
Capitalization244.18M
Waterstone Financial
Price$15.29
Change+$0.10 (+0.66%)
Volume$1.25K
Capitalization282.21M
CHMG vs WSBF Comparison Chart in %
CHMG
Daily Signal:
Gain/Loss:
WSBF
Daily Signal:
Gain/Loss:
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CHMG vs. WSBF commentary
Nov 20, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CHMG is a Hold and WSBF is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (CHMG: $50.93 vs. WSBF: $15.29)
Brand notoriety: CHMG and WSBF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CHMG: 86% vs. WSBF: 86%
Market capitalization -- CHMG: $244.18M vs. WSBF: $282.21M
CHMG [@Regional Banks] is valued at $244.18M. WSBF’s [@Regional Banks] market capitalization is $282.21M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

CHMG’s FA Score shows that 1 FA rating(s) are green whileWSBF’s FA Score has 1 green FA rating(s).

  • CHMG’s FA Score: 1 green, 4 red.
  • WSBF’s FA Score: 1 green, 4 red.
According to our system of comparison, CHMG is a better buy in the long-term than WSBF.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

CHMG’s TA Score shows that 3 TA indicator(s) are bullish while WSBF’s TA Score has 2 bullish TA indicator(s).

  • CHMG’s TA Score: 3 bullish, 7 bearish.
  • WSBF’s TA Score: 2 bullish, 8 bearish.
According to our system of comparison, CHMG is a better buy in the short-term than WSBF.

Price Growth

CHMG (@Regional Banks) experienced а -2.66% price change this week, while WSBF (@Regional Banks) price change was -1.61% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.93%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

CHMG is expected to report earnings on Jan 28, 2026.

WSBF is expected to report earnings on Feb 03, 2026.

Industries' Descriptions

@Regional Banks (-0.93% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
WSBF($282M) has a higher market cap than CHMG($244M). CHMG has higher P/E ratio than WSBF: CHMG (18.39) vs WSBF (11.50). WSBF YTD gains are higher at: 18.960 vs. CHMG (6.438). WSBF has more cash in the bank: 63.2M vs. CHMG (35.8M). CHMG has less debt than WSBF: CHMG (108M) vs WSBF (452M). WSBF has higher revenues than CHMG: WSBF (131M) vs CHMG (84.7M).
CHMGWSBFCHMG / WSBF
Capitalization244M282M87%
EBITDAN/AN/A-
Gain YTD6.43818.96034%
P/E Ratio18.3911.50160%
Revenue84.7M131M65%
Total Cash35.8M63.2M57%
Total Debt108M452M24%
FUNDAMENTALS RATINGS
CHMG vs WSBF: Fundamental Ratings
CHMG
WSBF
OUTLOOK RATING
1..100
7017
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
27
Undervalued
PROFIT vs RISK RATING
1..100
3978
SMR RATING
1..100
5661
PRICE GROWTH RATING
1..100
5348
P/E GROWTH RATING
1..100
1191
SEASONALITY SCORE
1..100
4150

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

WSBF's Valuation (27) in the Regional Banks industry is somewhat better than the same rating for CHMG (68). This means that WSBF’s stock grew somewhat faster than CHMG’s over the last 12 months.

CHMG's Profit vs Risk Rating (39) in the Regional Banks industry is somewhat better than the same rating for WSBF (78). This means that CHMG’s stock grew somewhat faster than WSBF’s over the last 12 months.

CHMG's SMR Rating (56) in the Regional Banks industry is in the same range as WSBF (61). This means that CHMG’s stock grew similarly to WSBF’s over the last 12 months.

WSBF's Price Growth Rating (48) in the Regional Banks industry is in the same range as CHMG (53). This means that WSBF’s stock grew similarly to CHMG’s over the last 12 months.

CHMG's P/E Growth Rating (11) in the Regional Banks industry is significantly better than the same rating for WSBF (91). This means that CHMG’s stock grew significantly faster than WSBF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CHMGWSBF
RSI
ODDS (%)
Bullish Trend 7 days ago
79%
Bearish Trend 2 days ago
62%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
43%
Bearish Trend 2 days ago
60%
Momentum
ODDS (%)
Bearish Trend 2 days ago
38%
Bearish Trend 2 days ago
51%
MACD
ODDS (%)
Bearish Trend 2 days ago
40%
Bearish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
46%
Bearish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 8 days ago
65%
Bullish Trend 9 days ago
59%
Declines
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 2 days ago
60%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
69%
Bearish Trend 2 days ago
52%
Aroon
ODDS (%)
Bearish Trend 2 days ago
41%
Bearish Trend 2 days ago
50%
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CHMG
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Gain/Loss:
WSBF
Daily Signal:
Gain/Loss:
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