What is CHMG's health score?

CHEMUNG FINANCIAL CORP (CHMG) has a TradeApes health score of 56 out of 100, rated Mixed. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is CHMG's estimated fair value?

Based on our 5-year discounted cash flow model, CHEMUNG FINANCIAL CORP's estimated fair value is $57.27 per share, representing a -17.9% downside from the current price. This is a model estimate, not a price target or investment recommendation.

Is CHMG undervalued or overvalued?

Our model currently rates CHMG as Fair Value. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for CHMG... Refresh in a moment for the full analysis.

CHEMUNG FINANCIAL CORP (CHMG)

Financials Fair Value low mixed

$69.77

Updated: 2026-06-04

TradeApes Score

Financial Strength

45 Mixed

Operating Trend

60 Healthy

Relative Value

55 Mixed

Capital Allocation

50 Mixed

Risk

80 Strong

Est. Fair Value $57.27

DCF Upside -17.9%

Sector Rank #404 of 6472

Key Findings

+ High FCF yield — above 7%, strong cash return relative to price paid

Unlock Full Report →

− High P/E — 25–45×, growth premium already priced in

Unlock Full Report →

2 free score cards remaining

TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

11 sector-leading stocks delivered to your inbox every Sunday. Free.

No spam. Unsubscribe anytime.