CHMG (Chemung Financial) Moat Score: 3/10 (As of Jul. 07, 2026)


CHMG Chemung Financial Corp CHMG
58 GF Score
Price $74.73
GF Value $51.73
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Chemung Financial Moat Score?

Chemung Financial CHMG +0.31% 58 Moat Score is 3 as of Jul. 07, 2026. GuruFocus rates CHMG with a GF Score™ of 58/100 and a GF Value™ of $51.73 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,611 Banks companies, Chemung Financial ranks better than 74.55% on this metric.

Chemung Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Chemung Financial has No Moat: Chemung Financial Corp has very weak competitive advantages. The regional banking sector is highly competitive with low switching costs and limited pricing power, resulting in a transient moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Chemung Financial might have No Moat - Very weak/transient advantages.

Chemung Financial  (NAS:CHMG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Chemung Financial Moat Score Related Terms

CHMG vs AVBH, BCML, CZFS: Moat Score Comparison

For the Banks - Regional subindustry, Chemung Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Chemung Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Chemung Financial's Moat Score falls into.


CHMG
58GF Score
Chemung Financial Corp CHMG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Chemung Financial (CHMG) has a Moat Score of 3 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Chemung Financial ranks #410 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Chemung Financial's Moat Score too high?
Chemung Financial's current Moat Score is 3. Based on the distribution chart, Chemung Financial ranks #410 out of 1611 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 Moat Score compare to AVBH and BCML?
According to the Banks industry distribution chart, Chemung Financial ranks #410 out of 1611 companies for Moat Score. This puts Chemung Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Chemung Financial's current Moat Score is 3. 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 $51.73, compared to a current price of $74.73 — trading 44.5% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Chemung Financial (CHMG), the current Moat Score is 3 as of Jul. 07, 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 $74.73 is trading 44.5% above its estimated GF Value™ of $51.73. GuruFocus considers Chemung Financial to be Significantly Overvalued.

Key valuation signals for CHMG:

  • Moat Score: 3
  • GF Value™: $51.73 vs. price of $74.73 (44.5% above fair value)
  • GF Score™: 58/100 with 8 warning signs

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 Business Description

Address One Chemung Canal Plaza, Elmira, NY, USA, 14901
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$74.73
Price
$51.73
GF Value