Chemung Financial Corporation
Chemung Financial Corporation Fundamental Analysis
Chemung Financial Corporation (CHMG) shows weak financial fundamentals with a PE ratio of 17.68, profit margin of 12.83%, and ROE of 7.33%. The company generates $0.1B in annual revenue with weak year-over-year growth of -6.46%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 39.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CHMG's fundamental strength across five key dimensions:
Efficiency Score
WeakCHMG struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCHMG trades at attractive valuation levels.
Growth Score
WeakCHMG faces weak or negative growth trends.
Financial Health Score
ModerateCHMG shows balanced financial health with some risks.
Profitability Score
WeakCHMG struggles to sustain strong margins.
Key Financial Metrics
Is CHMG Expensive or Cheap?
P/E Ratio
CHMG trades at 17.68 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CHMG's PEG of -0.87 indicates potential undervaluation.
Price to Book
The market values Chemung Financial Corporation at 1.23 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.49 times EBITDA. This is generally considered low.
How Well Does CHMG Make Money?
Net Profit Margin
For every $100 in sales, Chemung Financial Corporation keeps $12.83 as profit after all expenses.
Operating Margin
Core operations generate 16.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.33 in profit for every $100 of shareholder equity.
ROA
Chemung Financial Corporation generates $0.67 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Chemung Financial Corporation generates strong operating cash flow of $45.44M, reflecting robust business health.
Free Cash Flow
Chemung Financial Corporation generates strong free cash flow of $43.75M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $9.08 in free cash annually.
FCF Yield
CHMG converts 13.53% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.68
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.87
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.23
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.26
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.49
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How CHMG Stacks Against Its Sector Peers
| Metric | CHMG Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.68 | 19.02 | Neutral |
| ROE | 7.33% | 818.00% | Weak |
| Net Margin | 12.83% | 1593.00% | Weak |
| Debt/Equity | 0.49 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 669.82 | Weak Liquidity |
| ROA | 0.67% | -24701.00% (disorted) | Weak |
CHMG outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Chemung Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
60.82%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-21.73%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
59.57%
Industry Style: Value, Dividend, Cyclical
High Growth