CHMG

Chemung Financial Corp

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Advanced Chart

51.960

+1.55(3.075%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

52.090

Open

51.000

VWAP

51.91

Vol

11.83K

Mkt Cap

248.94M

Low

51.000

Amount

614.31K

EV/EBITDA(TTM)

19.98

Total Shares

4.75M

308.45M

EV/OCF(TTM)

3.61

P/S(TTM)

2.92

Chemung Financial Corporation is a financial holding company. The Company through the Chemung Canal Trust Company (Bank) and CFS Group, Inc (CFS), provides a range of financial services, including demand, savings and time deposits, commercial, residential, and consumer loans, interest rate swaps, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services. The Company primarily focuses on banking and wealth management services. Its core banking segment attracts deposits from the public and uses such funds to originate consumer, commercial, commercial real estate, and other loans. Wealth management services provided by the Bank include services as executor and trustee under wills and agreements, and guardian, custodian, trustee, and agent for pension, profit-sharing and other employee benefit trusts, as well as various investment, pension, estate planning, and employee benefit administrative services.

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Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

28.59M

+10.48%

1.610

+27.78%

28.09M

+15.57%

1.590

+28.23%

26.52M

+13.51%

1.610

+35.29%

Estimates Revision

The market is revising Downward the revenue expectations for Chemung Financial Corporation (CHMG) for FY2025, with the revenue forecasts being adjusted by -14.35% over the past three months. During the same period, the stock price has changed by 7.49%.

Revenue Estimates for FY2025

Revise Downward

-14.35%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+34.23%

In Past 3 Month

Stock Price

Go Up

+7.49%

In Past 3 Month

1 Analyst Rating

13.55% Upside

Wall Street analysts forecast CHMG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CHMG is 59.00 USD with a low forecast of 59.00 USD and a high forecast of 59.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

13.55% Upside

Current: 51.960

Low

59.00

Averages

59.00

High

59.00

13.55% Upside

Current: 51.960

Low

59.00

Averages

59.00

High

59.00

Keefe Bruyette

Market Perform

maintain

$55 -> $59

2025-07-21

Reason

Keefe Bruyette

Price Target

$55 -> $59

2025-07-21

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Chemung Financial to $59 from $55 and keeps a Market Perform rating on the shares. Underlying trends remain positive, the analyst tells investors in a research note.

Piper Sandler

Frank Schiraldi

Hold

Maintains

$54 → $50

2025-04-22

Reason

Piper Sandler

Frank Schiraldi

Price Target

$54 → $50

2025-04-22

Maintains

Hold

Reason

Piper Sandler analyst Frank Schiraldi lowered the firm's price target on Chemung Financial to $50 from $54 given the recent decline in peer valuations, while keeping a Neutral rating on the shares. The firm notes the company reported a core EPS beat primarily driven by better-than-expected operating expense. Given the beat, Piper is increasing its estimates modestly.

Keefe, Bruyette & Woods

Chris O'Cull

Hold

Maintains

$60 → $55

2025-04-22

Reason

Keefe, Bruyette & Woods

Chris O'Cull

Price Target

$60 → $55

2025-04-22

Maintains

Hold

Reason

Piper Sandler

Frank Schiraldi

Hold

Initiates

$57

2024-12-20

Reason

Piper Sandler

Frank Schiraldi

Price Target

$57

2024-12-20

Initiates

Hold

Reason

Piper Sandler assumed coverage of Chemung Financial with a Neutral rating and $57 price target. The firm assumed four regional banks largely based in Upstate New York, with Financial Institutions (FISI) its favored name. The bank has tended to trade at a discount to its peer group on a forward price-to-earnings basis in part given its sub peer profitability and more limited liquidity, the analyst tells investors in a research note. Piper believes the recent capital raise and balance sheet restructuring should pull forward profitability.

Keefe, Bruyette & Woods

Christopher O'Connell

Hold

Maintains

$54 → $60

2024-12-04

Reason

Keefe, Bruyette & Woods

Christopher O'Connell

Price Target

$54 → $60

2024-12-04

Maintains

Hold

Reason

See All Ratings

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Valuation Metrics

The current forward P/E ratio for Chemung Financial Corp (CHMG.O) is 7.72, compared to its 5-year average forward P/E of 9.09. For a more detailed relative valuation and DCF analysis to assess Chemung Financial Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Undervalued

5Y Average PE

9.09

Current PE

7.72

Overvalued PE

10.18

Undervalued PE

8.00

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

2.16

Current PS

2.08

Overvalued PS

2.37

Undervalued PS

1.95