Dashboard
Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
Positive results in Jun 25
With ROA of 0.51%, it has a fair valuation with a 1.11 Price to Book Value
High Institutional Holdings at 48.13%
Consistent Underperformance against the benchmark over the last 3 years
Total Returns (Price + Dividend) 
Chemung Financial Corp. for the last several years.
Risk Adjusted Returns v/s 
News
Is Chemung Financial Corp. overvalued or undervalued?
As of 17 October 2025, the valuation grade for Chemung Financial Corp. has moved from very expensive to expensive, indicating a shift towards a less extreme valuation but still suggesting overvaluation. The company appears to be overvalued based on its current metrics, with a P/E ratio of 11, a Price to Book Value of 1.11, and an EV to EBITDA of 8.98. In comparison, Bank7 Corp. has a more attractive P/E ratio of 10.50, while Bankwell Financial Group, Inc. shows an expensive valuation with a P/E of 17.22. Recent stock performance highlights that Chemung Financial Corp. has underperformed relative to the S&P 500, with a year-to-date return of 2.52% compared to the S&P 500's 13.30%. This trend reinforces the view that the stock may be overvalued given its lackluster performance against a strong market backdrop....
Read MoreIs Chemung Financial Corp. overvalued or undervalued?
As of 17 October 2025, the valuation grade for Chemung Financial Corp. has moved from very expensive to expensive. This indicates a shift towards a less favorable valuation, suggesting that the company is currently overvalued. Key valuation ratios include a P/E ratio of 11, a Price to Book Value of 1.11, and an EV to EBITDA of 8.98. When compared to peers, Bank7 Corp. has a more attractive P/E ratio of 10.50, while Bankwell Financial Group, Inc. shows an expensive P/E of 17.22. Chemung Financial's recent stock performance has lagged behind the S&P 500, with a year-to-date return of 2.52% compared to the S&P 500's 13.30%, further supporting the conclusion that the stock is overvalued....
Read MoreIs Chemung Financial Corp. overvalued or undervalued?
As of 17 October 2025, the valuation grade for Chemung Financial Corp. moved from very expensive to expensive. This indicates a shift towards a less severe overvaluation, yet the company remains expensive relative to its peers. The stock is considered overvalued based on its P/E ratio of 11, which is significantly lower than the peer average of 25.61, and an EV to EBITDA ratio of 8.98, which also suggests a premium compared to many competitors. In comparison with its peers, Bank7 Corp. has a more attractive P/E ratio of 10.50, while Bankwell Financial Group, Inc. is also expensive at 17.22. The company’s recent performance shows a YTD return of 2.52%, which lags behind the S&P 500's return of 13.30% over the same period, reinforcing the notion that Chemung Financial Corp. is currently overvalued....
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Shareholding Snapshot : Mar 2025
Shareholding Compare (%holding) 
Domestic Funds
Held in 23 Schemes (16.85%)
Held by 24 Foreign Institutions (2.29%)






