Chemung Financial Corporation

Chemung Financial Corporation

CHMGยทNASDAQ

$67.52

-2.5%
Financial ServicesBanks - Regional

Chemung Financial Corporation operates as the 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 accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

At a Glance

Live Snapshot
Market Cap$325.43M
EPS3.1300
P/E Ratio21.57
Earnings Date07/16/2026
Chemung Financial Corporation

Chemung Financial Corporation Fair Value Envelope

CHMG ยท NASDAQ

Our analysis suggests that CHMG has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $67.52, this represents a potential HIDDEN relative to our calculated worth for Chemung Financial Corporation.

Intrinsic Value
Current Price: $67.52

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$76.8B
+ Cash & Equivalents$22.8M
Firm Value$76.8B
- Debt$4.9M
Equity Value$76.8B
/ Shares Outstanding4,790,939B
DCF Value$16.0K
UNDERVALUED BY 23652%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$77.2M
$130.1M
$219.2M
$369.4M
$622.5M
$1.0B
$1.8B
$3.0B
$5.0B
$8.5B
Maintenance CapEx
-$568.6K
-$958.1K
-$1.6M
-$2.7M
-$4.6M
-$7.7M
-$13.0M
-$21.9M
-$37.0M
-$62.3M
Owner Earnings
$76.6M
$129.1M
$217.6M
$366.7M
$617.9M
$1.0B
$1.8B
$3.0B
$5.0B
$8.4B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$71.0M
$110.7M
$172.8M
$269.5M
$420.6M
$656.2M
$1.0B
$1.6B
$2.5B
$3.9B
Terminal Value represents 86.1% of Enterprise Value