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. 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.