Chemung Financial CorpCHMG
Price$80.61Intrinsic value$51.5636% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $51.56median of 2 methodsbased on filings through 30 Jun 2026
Market Price $80.61Price as of 1 Oct 2026
Margin of Safety -36.0%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 13.0% (near-term consensus, capped) · years 2–5: -8.8%/yr (balance of the path).-4.8% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 6-6.4%Yr 7-4.1%Yr 8-1.7%Yr 90.6%Yr 103.0%
-8.8% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 1 window (5y) (limited history)-4.8%
Discount rate (cost of equity) 8.2%
Volatility vs market (adjusted beta)0.72

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetChemung Financial CorpCHMGFinancials
Valuation
P/E11.6×
P/S4.2×
P/B1.5×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin21.0%
Net margin35.3%
FCF margin47.7%
Returns
ROE12.4%
ROA1.2%
ROIC11.3%
Growth
Revenue growth (YoY)-2.2%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.37×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield0.8%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.