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Chemung Financial Corp (CHMG)

Chemung Financial Corp is a bank holding company for Chemung Canal Trust Company, a banking organization that provides a range of financial services to individuals and businesses. Through its banking operations, the company accepts demand, savings, and time deposits, along with checking and insured money market accounts. Its lending activities include commercial and agricultural loans, commercial and residential mortgages, and consumer credit such as home equity and automobile loans. Chemung Financial also provides interest rate swaps, letters of credit, insurance products, mutual fund and brokerage services, tax preparation, and fiduciary and administrative services including guardian, custodian, trustee, estate planning, and employee benefit support. Founded in 1833, the company is based in Elmira, New York, and its common stock trades on NASDAQ under the symbol CHMG.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Analyst Target Rating	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Payout Ratio	Free Cash Flow / Net Income
NASDAQ-CHMG	$67.87	-17.2% Downside	Fair	$84.67	3.3% Upside	Fair	Good	1.7%	October 27, 2026	11.9x	1.5x	3.4x	395.2 M	28.9%	66.7%	-1.8	19.5%	136.3%

Smart Snapshot

Stock Overview

A fast read of the company and market metrics currently supported by the latest data.

Company Profile

Sector

Financials

Index Membership

Strong Buy

Valuation Snapshot

Fair Value

$67.87

Valuation Gap

-17.2% Downside

Analyst Target

$84.67

Quality & Risk

Financial Health

Good

Piotroski Score

0 K

Altman Z-Score

-1.8

Upcoming Events

Next Earnings Date

October 27, 2026

Days to Earnings

Strong Sell

Valuation • Fair Value

Chemung Financial Corp (NASDAQ-CHMG) Fair Value by Valuation Model

Review the available estimates for Chemung Financial Corp (NASDAQ-CHMG), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$67.87

Estimated downside of 17.2% versus the current market price.

Ben Graham Formula Value

Classic Ben Graham valuation formula reference.

DDM Fair Value

NASDAQ Composite, Russell 2000, Russell 3000

Dividend discount model valuation reference.

Comps Fair Value

September 17, 2026

Comparable-company valuation reference.

Analyst Price Target

$84.67

Analysts imply upside of 3.3%.

How to read these valuation models

Use the 5 available valuation references for Chemung Financial Corp (NASDAQ-CHMG) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Chemung Financial Corp (NASDAQ-CHMG)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

Strong Sell

Current operating scale indicator.

Revenue Forecast

Strong Sell

Forward revenue estimate.

EBITDA

Banks

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Chemung Financial Corp (NASDAQ-CHMG) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Chemung Financial Corp (NASDAQ-CHMG)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

0 K

Weak quality score that deserves closer review.

Altman Z-Score

-1.8

Lower score that deserves closer risk review.

FCF / Net Income

136.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Chemung Financial Corp (NASDAQ-CHMG). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Chemung Financial Corp (NASDAQ-CHMG)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 27, 2026

Days to Earnings

Strong Sell

Dividend Yield

1.7%

Current income yield reference.

Payout Ratio

19.5%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Chemung Financial Corp (NASDAQ-CHMG), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Analyst Outlook

Analyst Consensus for Chemung Financial Corp (NASDAQ-CHMG)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Analyst Consensus for Chemung Financial Corp (NASDAQ-CHMG)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy

Consolidated analyst recommendation mix

Hold

Based on the available recommendation mix, Chemung Financial Corp (NASDAQ-CHMG) has a Hold consensus, with 0 buy, 5 hold and 0 sell recommendations in the current data set.

Buy 0

Hold 5

Sell 0

FAQ • Fast Investor Answers

Chemung Financial Corp (NASDAQ-CHMG) Stock FAQ

Data-supported answers about Chemung Financial Corp (NASDAQ-CHMG), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value

$67.87

Estimated downside 17.2%

Valuation Rating

Overvalued

Estimated downside of 17.2%

Analyst Target

$84.67

Implied upside 3.3%

Financial Health

Good

Current financial-health read

The current fair value estimate for Chemung Financial Corp (NASDAQ-CHMG) is $67.87. This implies an estimated downside of 17.2% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 17.2% versus the current market price.

The available analyst price target for Chemung Financial Corp (NASDAQ-CHMG) is $84.67. The analyst target implies estimated upside of 3.3%.

The current financial health read for Chemung Financial Corp (NASDAQ-CHMG) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Chemung Financial Corp (NASDAQ-CHMG) is October 27, 2026.

Based on the current data, dividend yield is 1.7%.

The current P/E ratio listed for Chemung Financial Corp (NASDAQ-CHMG) is 11.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Chemung Financial Corp is 395.2 M.

The ticker symbol for Chemung Financial Corp is NASDAQ-CHMG, and the stock is listed on NASDAQ.

Chemung Financial Corp (NASDAQ-CHMG) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Chemung Financial Corp is 28.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Chemung Financial Corp is 66.7%. Free float helps investors understand how much of the share base is available for public trading.