NASDAQ: CHMGChemung Financial Corp Stock
$45.20+0.40 (+0.89%)
Updated Jan 13, 2025
CHMG Price
$45.20
Fair Value Price
$52.64
Market Cap
$215.09M
52 Week Low
$39.00
52 Week High
$55.73
P/E
10x
P/B
0.97x
P/S
2.45x
PEG
0.77x
Dividend Yield
2.06%
Revenue
$93.48M
Earnings
$21.56M
Gross Margin
100%
Operating Margin
29.12%
Profit Margin
23.1%
Debt to Equity
11.57
Operating Cash Flow
$27M
Beta
0.92
Next Earnings
Jan 23, 2025
Ex-Dividend
N/A
Next Dividend
N/A
CHMG Overview
Chemung Financial Corporation operates as the 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 mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CHMG's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
A
Value
D
Growth
C
Momentum
C
Sentiment
C
Safety
C
Financials
A
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
CHMG
Ranked#109 of 336
Ranked#109 of 336
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $28.94 | B | |
| $47.88 | B | |
| $40.63 | B |
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CHMG News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CHMG scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CHMG ($45.20) is undervalued by 14.13% relative to our estimate of its Fair Value price of $52.64 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CHMG ($45.20) is not significantly undervalued (14.13%) relative to our estimate of its Fair Value price of $52.64 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CHMG ($45.20) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CHMG due diligence checks available for Premium users.
Valuation
CHMG fair value
Fair Value of CHMG stock based on Discounted Cash Flow (DCF)
Price
$45.20
Fair Value
$52.64
Undervalued by
14.13%
CHMG ($45.20) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CHMG ($45.20) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CHMG ($45.20) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CHMG price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10x
Industry
33.05x
Market
29.88x
CHMG is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CHMG is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CHMG price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.97x
Industry
1.07x
CHMG is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CHMG price to earnings growth (PEG)
For valuing profitable companies with growth potential
CHMG is good value based... subscribe to Premium to read more.
PEG Value Valuation
CHMG's financial health
Profit margin
Revenue
$23.7M
Net Income
$5.7M
Profit Margin
24.1%
CHMG's Earnings (EBIT) of $27.23M... subscribe to Premium to read more.
Interest Coverage Financials
CHMG's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.8B
Liabilities
$2.6B
Debt to equity
11.57
CHMG's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CHMG's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$9.2M
Investing
-$1.2M
Financing
$2.3M
CHMG's operating cash flow ($27.20M)... subscribe to Premium to read more.
Debt Coverage Financials
CHMG vs Bank Stocks
Chemung Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.