Chemung Financial Corp
NASDAQ:CHMG
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Chemung Financial Corp
NASDAQ:CHMG
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Intrinsic Value
The intrinsic value of Chemung Financial Corp (CHMG) under the Base Case is 105.44 USD per share.
Compared with the current market price of 87.6 USD, the stock appears
Undervalued by 17% .
The intrinsic value is calculated using the DCF method. The model assumes net margin jumps to 36% in 2026, higher than in any of the last six years, before easing to 29% by 2031. Revenue grows about 30% in 2026, then slows: about 11% a year on average over the next five years, about five times its five-year pace of 3%. The value of the years after 2031 is tied to revenue, so margins count only until then.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Chemung Financial Does
Chemung Financial Corp is the bank holding company for Chemung Canal Trust Company, a community bank based in upstate New York. It takes deposits from households and local businesses, makes loans, and provides everyday banking services such as checking and savings accounts, mortgages, commercial lending, and cash management. Its main customers are individuals, small businesses, and local organizations that want a relationship-driven bank with branches and local decision-making.
- Headquarters
- United States of America US
- Employees
- 348
- IPO date
- Mar 21, 1994
The intrinsic value for Chemung Financial Corp (CHMG) under the Base Case is 105.44 USD.
Compared with the current market price of 87.6 USD, the stock appears Undervalued by 17% .