Chemung Financial Corporation cash flow to debt ratio of 921.59% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Chemung Financial Corporation's free cash flow has increased 67.29% from $26.19M last year to $43.81M, signaling increasing performance

Chemung Financial Corporation's debt to equity ratio is 0.53, which means that the company's assets are healthy financed, signaling financial stability.

Chemung Financial Corporation's debt has decreased relative to shareholder equity from 0.55 last year to 0.53 today, signaling strengthened financials

Chemung Financial Corporation has a net cash position, so leverage is healthy.

Chemung Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Chemung Financial Corporation's profit margin has increased (53.00%) in the last year from 15.82% to 24.21%, signaling increasing performance

Chemung Financial Corporation's short-term liabilities of $2.27B exceed its short-term assets of $303.37M, signaling financial risk

Chemung Financial Corporation's return on assets of 1.19% is lower than the 5.00% threshold, indicating inefficient asset utilization

Chemung Financial Corporation's return on equity of 12.98%, is lower than 15.00%, indicating bad performance

Chemung Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Chemung Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Chemung Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Chemung Financial Corporation has a free cash flow yield of 11.19%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Chemung Financial Corporation's yearly earnings has decreased 36.19% since last year from $23.67M to $15.10M, signaling decreasing performance

Chemung Financial Corporation's yearly revenue has decreased 6.46% since last year from $149.61M to $139.94M, signaling decreasing performance

ROIC 0.55% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Chemung Financial Corporation's 3-year revenue CAGR of 11.15% is positive, indicating growing revenue over the past 3 years

Chemung Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Chemung Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Chemung Financial Corporation is undervalued relative to its fair value price of 164.25 based on Discounted Cash Flow model

Chemung Financial Corporation has an earnings yield of 8.55%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Chemung Financial Corporation is overvalued relative to its fair value price of 36.54 based on EBITDA multiple model

Chemung Financial Corporation has an EV/EBITDA ratio of 4.12x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Chemung Financial Corporation is undervalued relative to its fair value price of 128.66 based on Earnings Fair Value model

Chemung Financial Corporation's earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Chemung Financial Corporation has a price-to-book ratio of 1.45x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Chemung Financial Corporation has a price-to-sales ratio of 2.83x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue