Chemung FinancialCHMG +1.32%58 FCF Yield % is 12.63 as of Jun. 29, 2026, which is 7% below its 10-year median of 13.65. 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 1,507 Banks companies, Chemung Financial ranks better than 68.28% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Chemung Financial FCF Yield % Related Terms
Chemung Financial FCF Yield % Historical Data
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The historical data trend for Chemung Financial's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Chemung Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Chemung Financial's FCF Yield % 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 Yield % of 12.63 as of Jun. 29, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Chemung Financial and its competitors. This is near median its historical median of 13.65. Over the past decade, Chemung Financial's FCF Yield % has ranged from 6.73 to 23.96. According to the industry distribution chart, Chemung Financial ranks #478 out of 1507 companies in the Banks industry, placing it in the top 31.7%.
Is Chemung Financial's FCF Yield % too high?
Chemung Financial's current FCF Yield % of 12.63 is near median its 10-year median of 13.65. Over the past 10 years, this metric has ranged from a low of 6.73 to a high of 23.96. The Banks industry median FCF Yield % is 8.14. Chemung Financial's value of 12.63 is 55.2% above this industry median. Based on the distribution chart, Chemung Financial ranks #478 out of 1507 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 Yield % compare to AVBH and BCML?
According to the Banks industry distribution chart, Chemung Financial ranks #478 out of 1507 companies for FCF Yield %. This puts Chemung Financial in the upper half of its industry. The industry median FCF Yield % is 8.14. Chemung Financial's value of 12.63 is 55.2% above this benchmark. Historically, Chemung Financial's own FCF Yield % has ranged from 6.73 to 23.96 over the past decade. While the company's 10-year median is 13.65 vs. the industry median of 8.14, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chemung Financial's current FCF Yield % of 12.63 is 55.2% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Chemung Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chemung Financial's current FCF Yield % is 12.63, which is near median its own 10-year median of 13.65. 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 $75.32 — trading 47.1% above its estimated fair value. The current FCF Yield % is 12.63, which is near median its 10-year median of 13.65 and 55.2% above the Banks industry median of 8.14. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Chemung Financial (CHMG), the current FCF Yield % is 12.63 as of Jun. 29, 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 $75.32 is trading 47.1% above its estimated GF Value™ of $51.22.
GuruFocus considers Chemung Financial to be Significantly Overvalued.
Key valuation signals for CHMG:
FCF Yield %: 12.63 (near median its 10-year median of 13.65)
GF Value™: $51.22 vs. price of $75.32 (47.1% above fair value)
Industry Position: 55.2% above the Banks median (#478 of 1507)
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
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