CHMG
Chemung Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CHMG
- PE Ratio
As of Jun 23, 2026, the CHMG stock has a PE ratio of 19.42. The calculation is based on the latest EPS of $3.79 and the stock price of $73.6 per share. An increase of 8% has been observed in the PE ratio compared to its average of 17.9 of the last four quarters.
CHMG PE ratio history
The mean historical PE ratio of Chemung Financial over the last ten years is 12.79. The current 19.42 P/E ratio is 52% higher than the historical average. Looking back at the last ten years, CHMG's PE ratio peaked in the Dec 2017 quarter at 31.03, with a price of $48.1 and an EPS of $1.55. The Sep 2023 quarter marked the lowest point at 6.54, with a price of $39.61 and an EPS of $6.06.
Chemung Financial PE ratio by year
Maximum annual increase: 80.59% in 2025
Maximum annual decrease: -67.23% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 17.77 | 80.59% | $55.8 | $3.14 |
| 2024 | 9.84 | 4.35% | $48.81 | $4.96 |
| 2023 | 9.43 | 26.07% | $49.8 | $5.28 |
| 2022 | 7.48 | -9.22% | $45.87 | $6.13 |
| 2021 | 8.24 | -2.72% | $46.45 | $5.64 |
| 2020 | 8.47 | -36.03% | $33.95 | $4.01 |
| 2019 | 13.24 | 30.19% | $42.5 | $3.21 |
| 2018 | 10.17 | -67.23% | $41.31 | $4.06 |
| 2017 | 31.03 | 80.09% | $48.1 | $1.55 |
| 2016 | 17.23 | 25.31% | $36.35 | $2.11 |
| 2015 | 13.75 | -13.52% | $27.5 | $2 |
| 2014 | 15.9 | -12.97% | $27.66 | $1.74 |
| 2013 | 18.27 | 45.46% | $34.17 | $1.87 |
| 2012 | 12.56 | N/A | $29.89 | $2.38 |
| 2011 | N/A | N/A | N/A | $2.4 |
Chemung Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 14.2 | -20.09% | $53.82 | $3.79 |
| Dec 2025 | 17.77 | -6.28% | $55.8 | $3.14 |
| Sep 2025 | 18.96 | -8.45% | $52.52 | $2.77 |
| Jun 2025 | 20.71 | 106.27% | $48.47 | $2.34 |
| Mar 2025 | 10.04 | 2.03% | $47.57 | $4.74 |
| Dec 2024 | 9.84 | -7.34% | $48.81 | $4.96 |
| Sep 2024 | 10.62 | 9.26% | $48.02 | $4.52 |
| Jun 2024 | 9.72 | 19.41% | $48 | $4.94 |
| Mar 2024 | 8.14 | -13.68% | $42.48 | $5.22 |
| Dec 2023 | 9.43 | 44.19% | $49.8 | $5.28 |
| Sep 2023 | 6.54 | -0.91% | $39.61 | $6.06 |
| Jun 2023 | 6.6 | -1.2% | $38.41 | $5.82 |
| Mar 2023 | 6.68 | -10.7% | $41.5 | $6.21 |
| Dec 2022 | 7.48 | 5.95% | $45.87 | $6.13 |
| Sep 2022 | 7.06 | -10.18% | $41.87 | $5.93 |
CHMG Price vs fair value
CHMG average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, CHMG's PE ratio is higher than the 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 19.42, CHMG ranks higher than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 12.95, Chemung Financial's price to earnings (P/E) is 50% higher.
CHMG PE vs peers
CHMG's PE ratio stands higher than its peer stocks PNFP and WTFC. Chemung Financial is currently trading at a higher PE ratio (19.42) than its peers average of 12.12.
| Stock name | PE ratio | Market cap |
|---|---|---|
| TMP Tompkins Financial Corp | 7.82 | $1.32B |
| FISI Financial Institutions Inc | 9.92 | $755.96M |
| FNB Fnb Corp | 11.57 | $6.67B |
| WTFC Wintrust Financial Corp | 13.01 | $10.62B |
| PNFP Pinnacle Financial Partners Inc | 13.25 | $14.51B |
| NBTB Nbt Bancorp Inc | 13.59 | $2.5B |
| CBU Community Bank System Inc | 15.67 | $3.39B |
| CHMG Chemung Financial Corp | 19.42 | $354.74M |
Frequently asked questions
What is Chemung Financial's PE ratio?
CHMG stock has a price to earnings ratio of 19.42 as of Jun 23, 2026.
What is the 3-year average PE ratio for Chemung Financial (CHMG)?
The average PE ratio for CHMG stock over the past 3 years is 11.88.
What is the 5-year average PE ratio for Chemung Financial (CHMG)?
The average PE ratio for CHMG stock over the past 5 years is 10.26.
What is the highest PE ratio for CHMG?
Over the last ten years, the quarterly PE ratio reached its highest level at 31.03 in the Dec 2017 quarter.
How does the current PE ratio for CHMG compare to its historical average?
CHMG's current price to earnings ratio is 52% above its 10-year historical average.
How is CHMG's PE ratio calculated (Chemung Financial PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jun 23, 2026), Chemung Financial's share price is $73.6. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.79. Therefore, Chemung Financial's PE ratio for today is 19.42. PE RATIO(19.42) = STOCK PRICE($73.6) / TTM EPS($3.79)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.