Historical Valuation
Chemung Financial Corp (CHMG) is now in the Fair zone, suggesting that its current forward PE ratio of 8.21 is considered Fairly compared with the five-year average of 8.93. The fair price of Chemung Financial Corp (CHMG) is between 53.28 to 64.50 according to relative valuation methord.
Relative Value
Fair Zone
53.28-64.50
Current Price：54.56
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Chemung Financial Corp (CHMG) has a current Price-to-Book (P/B) ratio of 1.07. Compared to its 3-year average P/B ratio of 1.10 , the current P/B ratio is approximately -2.75% higher. Relative to its 5-year average P/B ratio of 1.09, the current P/B ratio is about -2.70% higher. Chemung Financial Corp (CHMG) has a Forward Free Cash Flow (FCF) yield of approximately 12.40%. Compared to its 3-year average FCF yield of 13.15%, the current FCF yield is approximately -5.75% lower. Relative to its 5-year average FCF yield of 14.39% , the current FCF yield is about -13.85% lower.
P/B
Median3y
1.10
Median5y
1.09
FCF Yield
Median3y
13.15
Median5y
14.39
Competitors Valuation Multiple
AI Analysis for CHMG
The average P/S ratio for CHMG competitors is 1.69, providing a benchmark for relative valuation. Chemung Financial Corp Corp (CHMG.O) exhibits a P/S ratio of 2.16, which is 27.5% above the industry average. Given its robust revenue growth of 18.16%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for CHMG
1Y
3Y
5Y
Market capitalization of CHMG increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of CHMG in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is CHMG currently overvalued or undervalued?
Chemung Financial Corp (CHMG) is now in the Fair zone, suggesting that its current forward PE ratio of 8.21 is considered Fairly compared with the five-year average of 8.93. The fair price of Chemung Financial Corp (CHMG) is between 53.28 to 64.50 according to relative valuation methord.
What is Chemung Financial Corp (CHMG) fair value?
CHMG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Chemung Financial Corp (CHMG) is between 53.28 to 64.50 according to relative valuation methord.
How does CHMG's valuation metrics compare to the industry average?
The average P/S ratio for CHMG's competitors is 1.69, providing a benchmark for relative valuation. Chemung Financial Corp Corp (CHMG) exhibits a P/S ratio of 2.16, which is 27.50% above the industry average. Given its robust revenue growth of 18.16%, this premium appears unsustainable.
What is the current P/B ratio for Chemung Financial Corp (CHMG) as of Jan 09 2026?
As of Jan 09 2026, Chemung Financial Corp (CHMG) has a P/B ratio of 1.07. This indicates that the market values CHMG at 1.07 times its book value.
What is the current FCF Yield for Chemung Financial Corp (CHMG) as of Jan 09 2026?
As of Jan 09 2026, Chemung Financial Corp (CHMG) has a FCF Yield of 12.40%. This means that for every dollar of Chemung Financial Corp’s market capitalization, the company generates 12.40 cents in free cash flow.
What is the current Forward P/E ratio for Chemung Financial Corp (CHMG) as of Jan 09 2026?
As of Jan 09 2026, Chemung Financial Corp (CHMG) has a Forward P/E ratio of 8.21. This means the market is willing to pay $8.21 for every dollar of Chemung Financial Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Chemung Financial Corp (CHMG) as of Jan 09 2026?
As of Jan 09 2026, Chemung Financial Corp (CHMG) has a Forward P/S ratio of 2.16. This means the market is valuing CHMG at $2.16 for every dollar of expected revenue over the next 12 months.