Is Chemung Financial Corporation (CHMG) Overvalued?
We dive into why Chemung Financial Corporation (CHMG) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
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 deposits. 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, as well as automobile 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. The company was founded in 1833 and is based in Elmira, New York.
Commentary & Analysis
Why Chemung Financial Corporation’s (CHMG) Stock Is Up 6.05%
As of Friday, July 24, Chemung Financial Corporation’s CHMG share price has surged by 6.05%, which has investors questioning if this is right time to sell.Rosalio Madrigal
What You Need to Know About Chemung Financial Corporation's Q3 Earnings
Chemung Financial Corporation's fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (CHMG) missed or beat analyst's expectations.Rosalio Madrigal
Why Chemung Financial Corporation’s (CHMG) Stock Is Down 5.24%
As of Tuesday, April 21, Chemung Financial Corporation’s CHMG share price has dipped by 5.24%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Why Chemung Financial Corporation’s (CHMG) Stock Is Up 5.06%
As of Monday, April 20, Chemung Financial Corporation’s CHMG share price has surged by 5.06%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | CHMG | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $400.0 | $751.0 | 34% |
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| Shares Out (Mil) | 4.8 | 15.4 | 13% |
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| Institutional Ownership | 68.0% | 83.2% | 42% |
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| Float (Mil) | 3.2 | 21.8 | 8% |
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| Beta | 0.60 | 0.43 | 35% |
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| Avg Daily Volume (000s) | 44 | 42 | 27% |
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| Price Change (52-week) |
63.6% | 94.6% | 83% |
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| Growth | CHMG | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 2.6% | 7.7% | 25% |
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| Net Income (5yr) | (4.8%) | 11.1% | 34% |
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| EPS (5yr) | (4.7%) | 10.1% | 25 |
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| Dividends (5yr) | 4.9% | 3.6% | 84% |
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| Cash Flow (5yr) | 17.4% | (17.1%) | 77% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.905 | $7.565 | $7.950 | |
| Month Ago EPS | $1.800 | $7.150 | $7.480 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 1 | 1 | |
| Three Months Ago EPS | $1.800 | $7.150 | $7.530 | |
| Year/Year Chg | 4.6% | 140.6% | na | |
| Financials | CHMG | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $117 | $196 | 28% |
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| Net Income (TTM) (Mil) | $34 | $55 | 52% |
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| EPS (TTM) | $6.908 | $2.600 | 91% |
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| Operating Cash Flow (TTM) (Mil) | $47 | $36 | 46% |
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| Net Cash Flow (TTM) (Mil) | ($247) | $2 | 9% |
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| Long-Term Debt (Q1) (Mil) | $52 | $101 | 39% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CHMG | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.48 | 1.25 | 38% |
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| P/E | 12.0 | 12.5 | 25% |
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| Dividend Yield | 1.6% | 2.2% | 73% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | CHMG | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 28.7% | 29.1% | 87% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 13.3% | 11.3% | 67% |
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| Liabilities to Assets | 90.4% | 89.7% | 86% |
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| F-Score | 5 | 4 | 50% |
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Chemung Financial Corporation did not pass any screens on 8/20/2026.
