CHMG (Chemung Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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 $80.98
GF Value $52.61
Valuation Significantly Overvalued
! 9 Warning Signs
View Full Analysis

What is Chemung Financial ROC (Joel Greenblatt) %?

Chemung Financial CHMG +7.99% 58 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates CHMG with a GF Score™ of 58/100 and a GF Value™ of $52.61 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 46 Banks companies, Chemung Financial ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CHMG
58GF Score
Chemung Financial Corp CHMG
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Chemung Financial (CHMG) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Chemung Financial and its competitors. According to the industry distribution chart, Chemung Financial ranks #999999 out of 46 companies in the Banks industry.
Is Chemung Financial's ROC (Joel Greenblatt) % too high?
Chemung Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Chemung Financial ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to AVBH and BCML?
According to the Banks industry distribution chart, Chemung Financial ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Chemung Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Chemung Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chemung Financial's current ROC (Joel Greenblatt) % is %. 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 $52.61, compared to a current price of $80.98 — trading 53.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Chemung Financial's overall GF Score™ is 58/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Chemung Financial (CHMG), the current ROC (Joel Greenblatt) % is % 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 $80.98 is trading 53.9% above its estimated GF Value™ of $52.61. GuruFocus considers Chemung Financial to be Significantly Overvalued.

Key valuation signals for CHMG:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $52.61 vs. price of $80.98 (53.9% above fair value)
  • GF Score™: 58/100 with 9 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.98
Price
$52.61
GF Value