Chemung FinancialCHMG -1.43%58 EV-to-FCF is 9.38 as of Jul. 08, 2026, which is 81% above its 10-year median of 5.19. GuruFocus rates CHMG with a GF Score™ of 58/100 and a GF Value™ of $51.78 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,192 Banks companies, Chemung Financial ranks worse than 59.56% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Chemung Financial's Enterprise Value is $430.22 Mil.
Chemung Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $45.87 Mil. Therefore, Chemung Financial's EV-to-FCF for today is 9.38.
The historical rank and industry rank for Chemung Financial's EV-to-FCF or its related term are showing as below:
CHMG'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.88 Med: 5.19 Max: 12.54
Current: 9.38
During the past 13 years, the highest EV-to-FCF of Chemung Financial was 12.54. The lowest was -0.88. And the median was 5.19.
CHMG's EV-to-FCF is ranked worse than 59.56% of 1192
companies
in the Banks industry
Industry Median: 6.61
vs CHMG: 9.38
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Chemung Financial's PE Ratio (TTM) for today is calculated as:
Chemung Financial's share price for today is $73.61.
Chemung Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.790.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Chemung Financial EV-to-FCF Related Terms
Chemung Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Chemung Financial's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Chemung Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Chemung Financial EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Chemung Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Chemung Financial's EV-to-FCF falls into.
Chemung Financial's current Enterprise Value is $430.22 Mil.
Chemung Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $45.87 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Chemung Financial (CHMG) has a EV-to-FCF of 9.38 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Chemung Financial and its competitors. This is 81% above median its historical median of 5.19. According to the industry distribution chart, Chemung Financial ranks #710 out of 1192 companies in the Banks industry, placing it in the top 59.6%.
Is Chemung Financial's EV-to-FCF too high?
Chemung Financial's current EV-to-FCF of 9.38 is 81% above median its 10-year median of 5.19. The Banks industry median EV-to-FCF is 6.61. Chemung Financial's value of 9.38 is 41.9% above this industry median. Based on the distribution chart, Chemung Financial ranks #710 out of 1192 companies in the Banks industry, which is below the industry midpoint. Overall, Chemung Financial has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chemung Financial's EV-to-FCF compare to AVBH and BCML?
According to the Banks industry distribution chart, Chemung Financial ranks #710 out of 1192 companies for EV-to-FCF. This places Chemung Financial in the lower half of its industry. The industry median EV-to-FCF is 6.61. Chemung Financial's value of 9.38 is 41.9% above this benchmark. While the company's 10-year median is 5.19 vs. the industry median of 6.61, Chemung Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chemung Financial's current EV-to-FCF of 9.38 is 41.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Chemung Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chemung Financial's current EV-to-FCF is 9.38, which is 81% above median its own 10-year median of 5.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chemung Financial stock overvalued right now?
Based on GuruFocus' analysis, Chemung Financial (CHMG) is currently considered Significantly Overvalued. The stock's GF Value™ is $51.78, compared to a current price of $73.61 — trading 42.2% above its estimated fair value. The current EV-to-FCF is 9.38, which is 81% above median its 10-year median of 5.19 and 41.9% above the Banks industry median of 6.61. Chemung Financial's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Chemung Financial (CHMG), the current EV-to-FCF is 9.38 as of Jul. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Chemung Financial (CHMG) Overvalued in 2026?
Based on GuruFocus' analysis, Chemung Financial stock appears to be overvalued.
The current stock price of $73.61 is trading 42.2% above its estimated GF Value™ of $51.78.
GuruFocus considers Chemung Financial to be Significantly Overvalued.
Key valuation signals for CHMG:
EV-to-FCF: 9.38 (81% above median its 10-year median of 5.19)
GF Value™: $51.78 vs. price of $73.61 (42.2% above fair value)
Industry Position: 41.9% above the Banks median (#710 of 1192)
No single metric tells the full story. See the CHMG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chemung Financial Corp is a bank holding firm. Through its subsidiaries, the company provides various financial services, including demand, savings, and time deposits, commercial, residential, and consumer loans, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services, among others. The company's reportable segments are Core Banking, Wealth Management (WMG) services, and Holding company and CFS. Maximum revenue is generated from the Core Banking segment, which derives revenue by attracting deposits from the general public and using such funds to originate different types of loans, and to invest in securities. The Wealth Management (WMG) services segment provides trust and investment advisory services to clients.
58GF Score
Get the complete analysis for CHMG
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHMG has been successfully added to your 
