Chemung FinancialCHMG -0.09%58 FCF Margin % is 30.11% as of Mar. 2026, which is 5% below its 10-year median of 31.69. GuruFocus rates CHMG with a GF Score™ of 58/100 and a GF Value™ of $51.22 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,505 Banks companies, Chemung Financial ranks better than 73.42% on this metric.
The historical rank and industry rank for Chemung Financial's FCF Margin % or its related term are showing as below:
CHMG'
s FCF Margin % Range Over the Past 10 Years
Min: 27.25 Med: 31.69 Max: 46.76
Current: 46.76
During the past 13 years, the highest FCF Margin % of Chemung Financial was 46.76%. The lowest was 27.25%. And the median was 31.69%.
CHMG's FCF Margin % is ranked better than 73.42% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs CHMG: 46.76
Chemung Financial FCF Margin % Related Terms
Chemung Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for Chemung Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Chemung Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Chemung Financial's FCF Margin % falls into.
* 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 FCF Margin % of 30.11% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Chemung Financial and its competitors. This is near median its historical median of 31.69. Over the past decade, Chemung Financial's FCF Margin % has ranged from 27.25 to 46.76. According to the industry distribution chart, Chemung Financial ranks #400 out of 1505 companies in the Banks industry, placing it in the top 26.6%.
Is Chemung Financial's FCF Margin % too high?
Chemung Financial's current FCF Margin % of 30.11% is near median its 10-year median of 31.69. Over the past 10 years, this metric has ranged from a low of 27.25 to a high of 46.76. The Banks industry median FCF Margin % is 26.55. Chemung Financial's value of 30.11% is 13.4% above this industry median. Based on the distribution chart, Chemung Financial ranks #400 out of 1505 companies in the Banks industry, which is above 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 FCF Margin % compare to FNLC and NWFL?
According to the Banks industry distribution chart, Chemung Financial ranks #400 out of 1505 companies for FCF Margin %. This puts Chemung Financial in the upper half of its industry. The industry median FCF Margin % is 26.55. Chemung Financial's value of 30.11% is 13.4% above this benchmark. Historically, Chemung Financial's own FCF Margin % has ranged from 27.25 to 46.76 over the past decade. While the company's 10-year median is 31.69 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chemung Financial's current FCF Margin % of 30.11% is 13.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Chemung Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chemung Financial's current FCF Margin % is 30.11%, which is near median its own 10-year median of 31.69. 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 $51.22, compared to a current price of $74.33 — trading 45.1% above its estimated fair value. The current FCF Margin % is 30.11%, which is near median its 10-year median of 31.69 and 13.4% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Chemung Financial (CHMG), the current FCF Margin % is 30.11% as of Mar. 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 $74.33 is trading 45.1% above its estimated GF Value™ of $51.22.
GuruFocus considers Chemung Financial to be Significantly Overvalued.
Key valuation signals for CHMG:
FCF Margin %: 30.11% (near median its 10-year median of 31.69)
GF Value™: $51.22 vs. price of $74.33 (45.1% above fair value)
Industry Position: 13.4% above the Banks median (#400 of 1505)
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
FCF Margin % 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 
