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Chemung Financial Corporation (CHMG) Fair Value & Analysis

Financial Services · US · Market cap $342M

Price$74.33
Fair Value$40.74
Upside-45.2%
Quality95/100
Evidence: High Range $30.55 – $50.92

Fair value as of: Jun 26, 2026

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Analysis

Chemung Financial Corporation (CHMG) currently trades at $74.33, while our model-based Fair Value estimate is $40.74 — implying the stock looks roughly 45.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company wa…

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Frequently asked questions

Is Chemung Financial Corporation (CHMG) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $40.74 versus a price of $74.33 — about −45% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CHMG?
Our 21-model fair value for Chemung Financial Corporation is $40.74 (as of Jun 26, 2026), built from audited fundamentals. The current price is $74.33.
What is the quality score of CHMG?
Chemung Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.