US · CHMG
Chemung Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Elmira, NY 14901
- Website
- chemungcanal.com
Price · as of 2024-12-31
$66.09
Market cap 266.18M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $43.48 | -34.21% |
| Intrinsic Value(DCF) | $83.62 | +26.52% |
| Graham-Dodd Method(GD) | $42.22 | -36.12% |
| Graham Formula(GF) | $85.92 | +30% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $15.03 | $35.57 | $26.66 | $23.64 | $21.70 |
| 2011 | $16.73 | $94.12 | $20.90 | $21.85 | $39.33 |
| 2012 | $20.73 | $22.42 | $48.22 | $16.96 | $22.49 |
| 2013 | $21.04 | $21.74 | $58.83 | $22.89 | $12.72 |
| 2014 | $19.98 | $35.85 | $57.17 | $17.31 | $42.82 |
| 2015 | $20.26 | $36.17 | $60.31 | $19.09 | $3.63 |
| 2016 | $29.88 | $17.17 | $61.62 | $20.77 | $24.37 |
| 2017 | $34.53 | $23.51 | $57.29 | $19.04 | $18.80 |
| 2018 | $36.85 | $50.17 | $61.01 | $34.52 | $66.44 |
| 2019 | $26.22 | $23.12 | $65.61 | $33.56 | $24.23 |
| 2020 | $37.40 | $31.36 | $90.29 | $41.46 | $35.68 |
| 2021 | $41.45 | $32.69 | $133.42 | $51.67 | $77.18 |
| 2022 | $44.78 | $40.74 | $129.11 | $42.94 | $114.40 |
| 2023 | $40.22 | $39.09 | $232.22 | $44.55 | $214.77 |
| 2024 | $48.72 | $43.48 | $216.26 | $42.22 | $85.92 |
AI valuation
Our deep-learning model estimates Chemung Financial Corporation's (CHMG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $43.48
- Current price
- $66.09
- AI upside
- -34.21%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$83.62
+26.52% upside
Graham-Dodd
$42.22
-36.12% upside
Graham Formula
$85.92
+30% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CHMG | Chemung Financial Corpora… | $66.09 | 266.18M | -34% | +27% | -36% | +30% | 9.82 | 1.08 | 1.55 | -3.67 | — | 1.20 | 64.27% | 20.11% | 15.82% | 11.53% | -9.11% | 0.86% | 0.55 | 0.56 | 0.19 | 0.19 | 2.23 | -606.00% | 954.00% | -1387.00% | 11.27% | 0.01 | -10.08% | 3.17% | 31.10% | 3.32% | -3.92 | -4.50 | -0.79 | -0.61 |
| CZFS | Citizens Financial Servic… | $60.06 | 288.67M | +306% | -13% | +51% | +37% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| FDBC | Fidelity D & D Bancorp, I… | $43.85 | 252.9M | -29% | +30% | -38% | +122% | 11.68 | 1.19 | 1.94 | -5.25 | 90.87 | 1.32 | 63.50% | 19.10% | 16.63% | 10.57% | -12.75% | 0.82% | 0.08 | 0.53 | 0.19 | 0.19 | -2.25 | 1285.00% | 1962.00% | 951.00% | 10.25% | 0.01 | -15.26% | 3.64% | 42.60% | 40.13% | -6.49 | -6.22 | -1.24 | -0.66 |
| FINW | FinWise Bancorp | $16.84 | 228.8M | +662% | +40,598% | +27% | +351% | 13.40 | 1.12 | 1.43 | 8.28 | 62.32 | 1.14 | 61.00% | 14.41% | 10.66% | 8.77% | 13.94% | 1.87% | 0.02 | 1.07 | 8.98 | 8.98 | -0.35 | 2151.00% | 5489.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 8.28 | — | 1.19 | 0.63 |
| FUNC | First United Corporation | $35.47 | 230.45M | +27% | -22% | -18% | +117% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| MYFW | First Western Financial, … | $25.29 | 245.69M | +9% | -7% | +19% | -31% | 18.30 | 0.91 | 1.30 | 14.64 | 33.88 | 1.03 | 52.50% | 9.65% | 7.08% | 5.09% | 6.26% | 0.43% | 0.41 | 0.21 | 0.03 | 0.03 | 4.88 | 5402.00% | 483.00% | 239.00% | -0.75% | 0.00 | -0.81% | 0.24% | 4.40% | 0.56% | 16.32 | -163.22 | 1.58 | -0.75 |
| NWFL | Norwood Financial Corp. | $29.06 | 270.08M | +8,168% | -59% | +32% | +326% | 9.77 | 1.12 | 1.99 | -2.61 | — | 1.27 | 63.63% | 26.07% | 20.39% | 12.18% | -30.17% | 1.17% | 0.31 | 0.74 | 155.21 | 155.21 | 1.15 | -1525000.00% | 3422.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 29.68% | -2.69 | — | -0.70 | 1.38 |
| PVBC | Provident Bancorp, Inc. | $13.50 | 240.07M | +221% | -10% | +18% | -80% | 26.53 | 0.83 | 2.05 | 6.90 | — | 0.83 | 57.59% | 9.95% | 7.72% | 3.21% | 7.56% | 0.45% | 0.21 | 0.24 | 0.13 | 0.13 | -11.55 | -3485.00% | -204.00% | 12110.00% | 5.98% | 0.01 | 11.99% | 0.00% | 0.00% | 4.83% | 7.69 | 6.26 | 0.77 | -0.62 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
| WNEB | Western New England Banco… | $12.85 | 263.32M | +177% | -25% | -28% | -25% | 16.26 | 0.80 | 1.55 | 5.40 | — | 0.85 | 59.79% | 12.19% | 9.50% | 4.93% | 6.27% | 0.45% | 0.52 | 0.30 | 0.10 | 0.10 | 3.76 | -2000.00% | 957.00% | -756.00% | 5.79% | 0.01 | 5.90% | 3.12% | 50.70% | 41.22% | 6.34 | 8.65 | 0.77 | -0.74 |
About Chemung Financial Corporation
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.
- CEO
- Anders Tomson
- Employees
- 343
- Beta
- 0.49
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($83.62 ÷ $66.09) − 1 = +26.52% (DCF, example).