SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Chemung Financial Corporation (CHMG) trades at a trailing P/E of 18.4, forward P/E of 8.6. Trailing earnings yield is 5.43%, forward earnings yield 11.67%. PEG 0.07 (Peter Lynch undervalued ≤1.0). Graham Number is $61.15.
Criteria proven by this page:
- VALUE (45/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 8.6 (down from trailing 18.4) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.07 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 5.43% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 11.67% as earnings recover.
- Analyst consensus target $50.00 (-15.3% downside) — analysts see meaningful downside risk at the current price level.
Overall SharesGrow Score: 49/100 with 1/7 criteria passed.
SharesGrow 7-Criteria Score
~
VALUE
45/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CHMG
Valuation Multiples
P/E (TTM)18.4
Forward P/E8.6
PEG Ratio0.07
Forward PEG0.07
P/B Ratio1.09
P/S Ratio1.99
EV/EBITDA11.5
Per Share Data
EPS (TTM)$3.14
Forward EPS (Est.)$6.89
Book Value / Share$52.94
Revenue / Share$29.09
FCF / Share$9.13
Yields & Fair Value
Earnings Yield5.43%
Forward Earnings Yield11.67%
Dividend Yield2.32%
Graham Number$61.15
SharesGrow IV$165.40 (+180.3%)
Analyst Target$50.00 (-15.3%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
17.3 |
3.14 |
1.20 |
2.26 |
2.82% |
| 2017 |
31.1 |
13.11 |
1.54 |
2.89 |
2.13% |
| 2018 |
10.2 |
0.12 |
1.21 |
2.30 |
2.49% |
| 2019 |
13.3 |
-0.63 |
1.13 |
2.40 |
2.43% |
| 2020 |
8.5 |
0.34 |
0.82 |
1.88 |
3.07% |
| 2021 |
8.2 |
0.20 |
1.03 |
2.37 |
2.44% |
| 2022 |
7.5 |
0.86 |
1.29 |
2.11 |
2.69% |
| 2023 |
9.4 |
-0.68 |
1.21 |
1.73 |
2.48% |
| 2024 |
9.8 |
-1.62 |
1.08 |
1.56 |
3.16% |
| 2025 |
17.8 |
-0.48 |
1.05 |
1.92 |
2.36% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.11 |
$76.65M |
$10.03M |
13.1% |
| 2017 |
$2.16 |
$79.85M |
$7.43M |
9.3% |
| 2018 |
$4.06 |
$86.76M |
$19.63M |
22.6% |
| 2019 |
$3.21 |
$86.22M |
$15.61M |
18.1% |
| 2020 |
$4.01 |
$86.86M |
$19.26M |
22.2% |
| 2021 |
$5.64 |
$91.84M |
$26.43M |
28.8% |
| 2022 |
$6.13 |
$101.91M |
$28.78M |
28.2% |
| 2023 |
$5.28 |
$136.58M |
$25M |
18.3% |
| 2024 |
$4.96 |
$149.61M |
$23.67M |
15.8% |
| 2025 |
$3.13 |
$139.94M |
$15.1M |
10.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$7.10 |
$7.10 – $7.10 |
$122.06M |
$122.06M – $122.06M |
1 |
| 2027 |
$8.20 |
$8.20 – $8.20 |
$133.21M |
$133.21M – $133.21M |
1 |
