Chemung Financial Corporation (CHMG) P/E Ratio History
Historical price-to-earnings valuation from 2000 to 2025
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CHMG Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, Chemung Financial Corporation (CHMG) trades at a price-to-earnings ratio of 21.4x, with a stock price of $67.05 and trailing twelve-month earnings per share of $3.14.
The current P/E is 115% above its 5-year average of 10.0x. Over the past five years, CHMG's P/E has ranged from a low of 6.5x to a high of 20.5x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, CHMG trades at a 60% premium to its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, CHMG trades roughly in line with the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CHMG DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CHMG P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $203M | 14.4 | 2.84 | +9% | |
| $244M | 11.9 | 1.06 | +40% | |
| $241M | 8.9Lowest | 1.38 | +38% | |
| $610M | 14.0 | 7.28 | +50% | |
| $2B | 13.6 | 1.93 | +13% | |
| $2B | 12.8 | 0.28Best | +3% | |
| $249M | 14.0 | 9.40 | +96%Best | |
| $861M | 15.0 | 4.13 | +26% | |
| $24B | 61.3 | 2.51 | -47% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
CHMG Historical P/E Data (2000–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $55.80 | $3.13 | 17.8x | +39% |
| FY2025 Q3 | $52.52 | $2.76 | 19.0x | +48% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $48.47 | $2.36 | 20.5x | +60% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $47.57 | $4.75 | 10.0x | -22% |
| FY2024 Q4 | $48.81 | $4.97 | 9.8x | -24% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $48.02 | $4.53 | 10.6x | -18% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $48.00 | $4.94 | 9.7x | -24% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $42.48 | $5.22 | 8.1x | -37% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $49.80 | $5.28 | 9.4x | -27% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $39.61 | $6.06 | 6.5x | -49% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $38.41 | $5.83 | 6.6x | -49% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $41.50 | $6.22 | 6.7x | -48% |
Average P/E for displayed period: 12.9x
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Start ComparisonCHMG — Frequently Asked Questions
Quick answers to the most common questions about buying CHMG stock.
Is CHMG stock overvalued or undervalued?
CHMG trades at 21.4x P/E, above its 5-year average of 10.0x. The 100th percentile ranking indicates a premium to historical valuation.
How does CHMG's valuation compare to peers?
Chemung Financial Corporation P/E of 21.4x compares to sector median of 13.4x. The premium reflects expected growth above peers.
What is CHMG's PEG ratio?
CHMG PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2000-2025.