CHEMUNG FINANCIAL CORP (CHMG)
State Commercial Banks · Financial Services · $302M
Intrinsic Value (Consensus)
$67.53
Current Price
$62.80
Margin of Safety
+7.5%
7.5% Below Intrinsic Value
Value: $68
Price: $63
Valuation Model Estimates
Current Price: $62.80
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance