Chemung Financial Corporation (CHMG) is a Banks - Regional company in the Financial Services sector, currently trading at $59.20. It has a SharesGrow Score of 49/100, indicating a mixed investment profile with 1 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CHMG = $165.40 (+179.4% from the current price, the stock appears undervalued). Analyst consensus target is CHMG = $50 (-15.5% upside).
Valuation: CHMG trades at a trailing Price-to-Earnings (P/E) of 18.4 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 2.05.
Financials: revenue is $140M, +12.4%/yr average growth. Net income is $15M, growing at -18.2%/yr. Net profit margin is 10.8% (healthy). Gross margin is 64.2% (-29.2 pp trend).
Balance sheet: total debt is $5M against $255M equity (Debt-to-Equity (D/E) ratio 0.02, conservative). Current ratio is 0.13 (tight liquidity). Debt-to-assets is 0.2%. Total assets: $2.7B.
Analyst outlook: 2 / 7 analysts rate CHMG as buy (29%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 45/100 (Partial), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 43/100 (Fail), Future 16/100 (Fail), Income 55/100 (Partial).
