Head to Head Comparison: Bank Hapoalim (OTCMKTS:BKHYY) & Chemung Financial (NASDAQ:CHMG)

Chemung Financial (NASDAQ:CHMG) and Bank Hapoalim (OTCMKTS:BKHYY) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, earnings, risk, dividends, profitability and analyst recommendations.

Valuation & Earnings

This table compares Chemung Financial and Bank Hapoalim”s 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	2.90	$15.10 million	$7.97	10.63
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.

Insider & Institutional Ownership

47.5% of Chemung Financial shares are owned by institutional investors. 12.7% of Chemung Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Volatility & Risk

Chemung Financial has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500. Comparatively, Bank Hapoalim has a beta of 1.24, meaning that its share price is 24% more volatile than the S&P 500.

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 increased its dividend for 1 consecutive years.

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%

Analyst Recommendations

This is a summary of current ratings for Chemung Financial and Bank Hapoalim, as reported by MarketBeat.com.

	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 target price of $88.75, suggesting a potential upside of 4.72%. Given Chemung Financial’s higher possible upside, equities analysts clearly believe Chemung Financial is more favorable than Bank Hapoalim.

Summary

Chemung Financial beats Bank Hapoalim on 11 of the 17 factors compared between the two stocks.

About Chemung Financial

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

About Bank Hapoalim

Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Household, Private Banking, Small businesses and micro businesses, Mid-sized businesses, Large businesses, Institutional entities, and Financial management segments. The company offers account-management services, lending for various purposes, deposits, and savings plans, and capital-market service; housing loans; research and advisory services; and pension advisory and retirement planning services. It also provides products and services for the expansion of a business, advanced digital services, and a service center specializing in businesses; credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, and securities. In addition, the company offers financial services, including foreign-trade financing, financing of working capital, financing of assets overseas, complex financing transactions, syndication, and credit-risk transfers; and financing of construction projects, granting credit to customers, and issuing guarantees to buyers of homes. Further, it provides managers of mutual funds, managers of investment portfolios, and managers of provident funds, study funds, and pension funds; trading activities; underwriting services; and brokerage and custody services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.