CHMG
Chemung Financial·NASDAQ
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3.04 / 10
Netural
Chemung Financial's fundamental metrics are subpar, with a composite score of 3.0/10. Strengths lie in a healthy gross profit margin (36.7%) and a 100% ratio of total profit to EBIT, yet these are offset by a significant -60.4% year-over-year profit decline and a net profit attributable to shareholders ratio of 100%, indicating inefficiency. Asset-based measures (Asset-MV) and revenue/profit multiples lag, reinforcing a defensive valuation outlook.
Analysis Checks(5/10)
Net assets per share (growth rate compared to beginning of year %)
Value12.97
Score3/3
Weight10.13%
1M Return4.47%
Value12.97
Score3/3
Weight10.13%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.36%
1M Return3.05%
Value100.00
Score1/3
Weight6.36%
1M Return3.05%
Profit-MV
Value0.12
Score0/3
Weight10.36%
1M Return4.15%
Value0.12
Score0/3
Weight10.36%
1M Return4.15%
PB-ROE
Value1.41
Score3/3
Weight15.70%
1M Return6.02%
Value1.41
Score3/3
Weight15.70%
1M Return6.02%
Asset-MV
Value-0.50
Score1/3
Weight15.09%
1M Return5.76%
Value-0.50
Score1/3
Weight15.09%
1M Return5.76%
Revenue-MV
Value0.16
Score0/3
Weight6.87%
1M Return3.16%
Value0.16
Score0/3
Weight6.87%
1M Return3.16%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.26%
1M Return3.43%
Value36.70
Score3/3
Weight7.26%
1M Return3.43%
Total profit (YoY growth rate %)
Value-60.40
Score0/3
Weight3.91%
1M Return2.05%
Value-60.40
Score0/3
Weight3.91%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.26%
1M Return3.43%
Value100.00
Score3/3
Weight7.26%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight17.06%
1M Return7.61%
Value0.14
Score3/3
Weight17.06%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value12.97
Score3/3
Weight10.13%
1M Return4.47%
Value12.97
Score3/3
Weight10.13%
1M Return4.47%
Revenue-MV
Value0.16
Score0/3
Weight6.87%
1M Return3.16%
Value0.16
Score0/3
Weight6.87%
1M Return3.16%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.36%
1M Return3.05%
Value100.00
Score1/3
Weight6.36%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.26%
1M Return3.43%
Value36.70
Score3/3
Weight7.26%
1M Return3.43%
Profit-MV
Value0.12
Score0/3
Weight10.36%
1M Return4.15%
Value0.12
Score0/3
Weight10.36%
1M Return4.15%
Total profit (YoY growth rate %)
Value-60.40
Score0/3
Weight3.91%
1M Return2.05%
Value-60.40
Score0/3
Weight3.91%
1M Return2.05%
PB-ROE
Value1.41
Score3/3
Weight15.70%
1M Return6.02%
Value1.41
Score3/3
Weight15.70%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.26%
1M Return3.43%
Value100.00
Score3/3
Weight7.26%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight15.09%
1M Return5.76%
Value-0.50
Score1/3
Weight15.09%
1M Return5.76%
Cash-MV
Value0.14
Score3/3
Weight17.06%
1M Return7.61%
Value0.14
Score3/3
Weight17.06%
1M Return7.61%
Is CHMG undervalued or overvalued?
- CHMG scores 3.04/10 on fundamentals and holds a Fair valuation at present. Backed by its 3.20% ROE, 14.68% net margin, 23.33 P/E ratio, 1.26 P/B ratio, and -38.72% earnings growth, these metrics solidify its Netural investment rating.
