CHEMUNG FINANCIAL CORP (CHMG)
State Commercial Banks · Financial Services · $343M
Intrinsic Value (Consensus)
$67.53
Current Price
$70.99
Margin of Safety
-4.9%
4.9% Above Intrinsic Value
Value: $68
Price: $71
Valuation Model Estimates
Current Price: $70.99
DCF (Discounted Cash Flow)
$115.63
Graham Number
$61.20
Earnings Power Value
$30.49
Relative Value (P/E)
$62.80
Dividend Discount Model
$4.10
Consensus Value
$67.53
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
53
Profitability
15/25
Strength
22/25
Valuation
12/25
Growth
4/25
Financial Health Signals
High free cash flow yield (12.8%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.14
- EPS (Forward)
- $3.20
- Book Value
- $53.02
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 5.9%
- Debt/Equity
- 39%
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance