What is Chemung Financial Intrinsic Value: Projected FCF?
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2025-05-31), Chemung Financial's Intrinsic Value: Projected FCF is $99.06. The stock price of Chemung Financial is $47.30. Therefore, Chemung Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.
The historical rank and industry rank for Chemung Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
CHMG'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.37 Med: 0.52 Max: 0.82
Current: 0.48
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Chemung Financial was 0.82. The lowest was 0.37. And the median was 0.52.
CHMG's Price-to-Projected-FCF is ranked better than 54.28% of 1308
companies
in the Banks industry
Industry Median: 0.5
vs CHMG: 0.48
Chemung Financial Intrinsic Value: Projected FCF Historical Data
The historical data trend for Chemung Financial's Intrinsic Value: Projected 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.
Competitive Comparison of Chemung Financial's Intrinsic Value: Projected FCF
For the Banks - Regional subindustry, Chemung Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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's Price-to-Projected-FCF Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Chemung Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Chemung Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Chemung Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
47.30
/
99.062728919163
=
0.48
* 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 Intrinsic Value: Projected FCF Related Terms
Thank you for viewing the detailed overview of Chemung Financial's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.
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.
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