CHMG (Chemung Financial) Tariff Resilience Score: 7/10 (As of Jul. 11, 2026)


CHMG Chemung Financial Corp CHMG
58 GF Score
Price $75.06
GF Value $51.92
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Chemung Financial Tariff Resilience Score?

Chemung Financial CHMG +0.44% 58 Tariff Resilience Score is 7 as of Jul. 11, 2026. GuruFocus rates CHMG with a GF Score™ of 58/100 and a GF Value™ of $51.92 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,604 Banks companies, Chemung Financial ranks better than 60.6% on this metric.

Chemung Financial has the Tariff Resilience Score of 7, which implies that the company might have Highly Resilient.

Chemung Financial has Chemung Financial Corp has limited direct exposure to tariffs as a financial institution. Its operations are primarily domestic, reducing vulnerability. Indirect impacts may arise from clients affected by tariffs, but overall resilience is high due to its industry.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Chemung Financial might have Highly Resilient.

Chemung Financial  (NAS:CHMG) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Chemung Financial Tariff Resilience Score Related Terms

CHMG vs AVBH, BCML, CZFS: Tariff Resilience Score Comparison

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

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

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


CHMG
58GF Score
Chemung Financial Corp CHMG
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 7 mean?
Chemung Financial (CHMG) has a Tariff Resilience Score of 7 as of Jul. 11, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Chemung Financial ranks #632 out of 1604 companies in the Banks industry, placing it in the top 39.4%.
Is Chemung Financial's Tariff Resilience Score too high?
Chemung Financial's current Tariff Resilience Score is 7. Based on the distribution chart, Chemung Financial ranks #632 out of 1604 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 Tariff Resilience Score compare to AVBH and BCML?
According to the Banks industry distribution chart, Chemung Financial ranks #632 out of 1604 companies for Tariff Resilience 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Chemung Financial's current Tariff Resilience Score is 7. 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 $51.92, compared to a current price of $75.06 — trading 44.6% above its estimated fair value. The current Tariff Resilience Score is 7. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Chemung Financial (CHMG), the current Tariff Resilience Score is 7 as of Jul. 11, 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 $75.06 is trading 44.6% above its estimated GF Value™ of $51.92. GuruFocus considers Chemung Financial to be Significantly Overvalued.

Key valuation signals for CHMG:

  • Tariff Resilience Score: 7
  • GF Value™: $51.92 vs. price of $75.06 (44.6% 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

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

$75.06
Price
$51.92
GF Value