CHMG

Chemung Financial Corporation

Financial Services · $387M market cap

Share price

$81.93

close of Oct 3, 2026

Fair value

$119.18

Sticker Price

Payback Price

$47.67

buy price

Undervalued

CHMG is Undervalued: at $81.93 it trades 31% below its fair value of $119.18. Its buy price (Payback Price) is $47.67, 42% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.9% a year✗

Equity per share growth3.9% a year✗

Sales growth3.9% a year✗

Free cash flow growth7.9% a year✗

Return on invested capital6.2%✗

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Insider activity

Since Jun 24, 2026: no open-market purchases, 1 sale worth $431K and 3 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

COLE LOREN D

EVP & CIO · 2026-09-16

Sold

$431K

Other filings

Calkins Timothy D

Owns 10%+ · 2026-08-10

Award

$25K

McKim Dale M. III

EVP, CFO & Treasurer · 2026-07-03

Tax withholding

$14K

Cutrona Vincent M

EVP & President-Canal Bank Div · 2026-06-24

Tax withholding

$7K

About Chemung Financial Corporation

Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio…

Banks - Regional