CHMG (Chemung Financial) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHMG Chemung Financial Corp CHMG
58 GF Score
Price $81.60
GF Value $52.92
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Chemung Financial Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Chemung Financial Quality Rank Related Terms

CHMG
58GF Score
Chemung Financial Corp CHMG
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Chemung Financial (CHMG) Overvalued in 2026?

Based on GuruFocus' analysis, Chemung Financial stock appears to be overvalued. The current stock price of $81.60 is trading 54.2% above its estimated GF Value™ of $52.92. GuruFocus considers Chemung Financial to be Significantly Overvalued.

Key valuation signals for CHMG:

  • Quality Rank:
  • GF Value™: $52.92 vs. price of $81.60 (54.2% 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

Get the complete analysis for CHMG

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$81.60
Price
$52.92
GF Value