NASDAQ: CHMGChemung Financial Corp Stock
$53.17+1.77 (+3.44%)
Updated Mar 20, 2026
CHMG Price
$53.17
Fair Value Price
$42.74
Market Cap
$256.20M
52 Week Low
$40.71
52 Week High
$65.50
P/E
16.93x
P/B
1.01x
P/S
2.96x
PEG
0.16x
Dividend Yield
2.52%
Revenue
$90.67M
Earnings
$15.10M
Gross Margin
100%
Operating Margin
21.99%
Profit Margin
16.7%
Debt to Equity
9.64
Operating Cash Flow
$45M
Beta
0.38
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
Apr 1, 2026
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
BBuy
- Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More
Zen Rating Component Grades
C
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#6 of 280
Ranked#6 of 280
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $5.54 | A | |
| $27.45 | B | |
| $28.90 | B |
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CHMG News
Overview
Due Diligence Score
–
Industry Average (38)
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 ($53.17) is overvalued by 24.4% relative to our estimate of its Fair Value price of $42.74 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
CHMG ($53.17) is not significantly undervalued (24.4%) relative to our estimate of its Fair Value price of $42.74 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CHMG ($53.17) is trading below... 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
$53.17
Fair Value
$42.74
Overvalued by
24.40%
CHMG ($53.17) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CHMG ($53.17) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CHMG ($53.17) is trading below... 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
16.93x
Industry
13.53x
Market
30.58x
CHMG is poor 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
1.01x
Industry
1.17x
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
$29.4M
Net Income
$7.7M
Profit Margin
26.3%
CHMG's Earnings (EBIT) of $19.94M... 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
$2.7B
Liabilities
$2.5B
Debt to equity
9.64
CHMG's debt relative to shareholder... 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
$16.3M
Investing
-$71.2M
Financing
-$2.7M
CHMG's operating cash flow ($45.50M)... 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.