Chemung Financial Valuation
| CHMG Stock | USD 50.70 0.71 1.38% |
At this time, the firm appears to be undervalued. Chemung Financial Corp shows a prevailing Real Value of $53.63 per share. The current price of the firm is $50.7. Our model approximates the value of Chemung Financial Corp from analyzing the firm fundamentals such as return on equity of 0.11, and Profit Margin of 0.23 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Chemung Financial's valuation include:
Undervalued
Today
Please note that Chemung Financial's price fluctuation is very steady at this time. Calculation of the real value of Chemung Financial Corp is based on 3 months time horizon. Increasing Chemung Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Chemung stock is determined by what a typical buyer is willing to pay for full or partial control of Chemung Financial Corp. Since Chemung Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Chemung Stock. However, Chemung Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 50.7 | Real 53.63 | Target 57.0 | Hype 50.8 | Naive 54.54 |
The real value of Chemung Stock, also known as its intrinsic value, is the underlying worth of Chemung Financial Corp Company, which is reflected in its stock price. It is based on Chemung Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Chemung Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Chemung Financial Corp helps investors to forecast how Chemung stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Chemung Financial more accurately as focusing exclusively on Chemung Financial's fundamentals will not take into account other important factors: When choosing an evaluation method for Chemung Financial Corp, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Chemung Financial Cash |
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Chemung Valuation Trend
Comparing Chemung Financial's enterprise value against its market capitalization is a good way to estimate the value of Chemung Financial Corp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
Chemung Revenue by Product
Chemung Financial Total Value Analysis
Chemung Financial Corp is currently expected to have valuation of 203.39 M with market capitalization of 245.25 M, debt of 40.8 M, and cash on hands of 42.42 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Chemung Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
203.39 M | 245.25 M | 40.8 M | 42.42 M |
Chemung Financial Investor Information
About 42.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.17. Some equities with similar Price to Book (P/B) outperform the market in the long run. Chemung Financial Corp last dividend was issued on the 19th of December 2024. The entity had 2:1 split on the 3rd of June 1998. Chemung Financial Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.36 | 0.38 |
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| Total Cash From Operating Activities | 19.1 M | 35.5 M |
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| Operating Income | 34.4 M | 36.2 M |
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Chemung Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Chemung implies not a very effective usage of assets in February.Chemung Financial Ownership Allocation
The market capitalization of Chemung Financial Corp is $245.25 Million. 30% of Chemung Financial Corp outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Chemung Financial Profitability Analysis
The company reported the previous year's revenue of 93.48 M. Net Income was 25 M with profit before overhead, payroll, taxes, and interest of 93.48 M.Chemung Financial Past Distributions to stockholders
| 1st of October 2024 | ||
| 1st of July 2024 | ||
| 1st of April 2024 | ||
| 2nd of January 2024 | ||
| 2nd of October 2023 | ||
| 3rd of July 2023 | ||
| 3rd of April 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Chemung Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Chemung Financial and how it compares across the competition.
About Chemung Financial Valuation
The stock valuation mechanism determines Chemung Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Chemung Financial. We calculate exposure to Chemung Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Chemung Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 101.8 M | 106.9 M | |
| Pretax Profit Margin | 0.38 | 0.48 | |
| Operating Profit Margin | 0.38 | 0.36 | |
| Net Profit Margin | 0.30 | 0.33 | |
| Gross Profit Margin | 0.74 | 0.77 |
Chemung Financial Quarterly Retained Earnings |
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A single share of Chemung Financial represents a small ownership stake in the entity. As a stockholder of Chemung, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Chemung Financial Dividends Analysis For Valuation
At this time, Chemung Financial's Dividend Yield is most likely to slightly decrease in the upcoming years. The Chemung Financial's current Dividend Payout Ratio is estimated to increase to 0.44, while Dividends Paid is projected to decrease to roughly 4.2 M. . At this time, Chemung Financial's Retained Earnings are most likely to increase significantly in the upcoming years. The Chemung Financial's current Price Earnings Ratio is estimated to increase to 14.15, while Retained Earnings Total Equity is projected to decrease to roughly 153.1 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 6.7 M | 4.2 M | |
| Dividend Yield | 0.03 | 0.04 | |
| Dividend Paid And Capex Coverage Ratio | 4.41 | 2.29 | |
| Dividend Payout Ratio | 0.27 | 0.44 |
There are various types of dividends Chemung Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Chemung shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Chemung Financial Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Chemung pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Chemung Financial by the value of the dividends paid out.
Chemung Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Chemung Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 4.8 M | |
| Quarterly Earnings Growth Y O Y | -0.258 | |
| Forward Price Earnings | 10.1833 |
Chemung Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Chemung Financial Corp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Chemung we look at many different elements of the entity such as Chemung's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Chemung Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Chemung Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Chemung Financial's worth.Complementary Tools for Chemung Stock analysis
When running Chemung Financial's price analysis, check to measure Chemung Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Chemung Financial is operating at the current time. Most of Chemung Financial's value examination focuses on studying past and present price action to predict the probability of Chemung Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Chemung Financial's price. Additionally, you may evaluate how the addition of Chemung Financial to your portfolios can decrease your overall portfolio volatility.
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