Chemung Financial Corp (CHMG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Chemung Financial Corp stock (CHMG) is currently trading at $53.15. Chemung Financial Corp PE ratio is 16.93. Chemung Financial Corp PS ratio (Price-to-Sales) is 2.82. Analyst consensus price target for CHMG is $64.00. WallStSmart rates CHMG as Hold.
- CHMG PE ratio analysis and historical PE chart
- CHMG PS ratio (Price-to-Sales) history and trend
- CHMG intrinsic value — DCF, Graham Number, EPV models
- CHMG stock price prediction 2025 2026 2027 2028 2029 2030
- CHMG fair value vs current price
- CHMG insider transactions and insider buying
- Is CHMG undervalued or overvalued?
- Chemung Financial Corp financial analysis — revenue, earnings, cash flow
- CHMG Piotroski F-Score and Altman Z-Score
- CHMG analyst price target and Smart Rating
Chemung Financial Corp
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CHMG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Chemung Financial Corp (CHMG)
CHMG trades at a significant discount to its Graham intrinsic value of $146.95, offering a 59% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Chemung Financial Corp (CHMG) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Chemung Financial Corp (CHMG) Key Strengths (4)
Keeps $38 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Strong earnings growth at 26.60% per year
Strong profitability: $17 kept per $100 revenue
Supporting Valuation Data
Chemung Financial Corp (CHMG) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.82x sales
Solid revenue growth at 16.00% per year
Moderate institutional interest at 46.08%
Chemung Financial Corp (CHMG) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.98) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.40%, Profit Margin at 16.70%. Growth metrics are encouraging with EPS Growth at 26.60%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.82) suggest expensive pricing. Growth concerns include Revenue Growth at 16.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.43%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.43% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CHMG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CHMG's Price-to-Sales ratio of 2.82x trades at a 35% premium to its historical average of 2.09x (90th percentile). The current valuation is 8% below its historical high of 3.08x set in Feb 2026, and 114% above its historical low of 1.32x in Mar 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Chemung Financial Corp (CHMG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Chemung Financial Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 91M with 16% growth year-over-year. Profit margins of 16.7% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 15M in free cash flow and 16M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 0.02 indicates a conservative balance sheet with 23M in cash.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Chemung Financial Corp.
Bottom Line
Chemung Financial Corp offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Chemung Financial Corp(CHMG)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Chemung Financial Corporation is the holding company of Chemung Canal Trust Company providing a range of banking, finance, trust and other financial services. The company is headquartered in Elmira, New York.