Fundamental Analysis of Chemung Financial Corp - Growth / Value Index
CHMG - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.353
Price to Earning Ratio is 8.26 and EV to EBITDA is 6.43 suggesting company is undervalued.
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 8.31 | 8.22 | 16.31 % | |
| Price to Book | 1.32 | 1.05 | -13.90 % | 1.05 |
| Price to Sales | 1.74 | 1.82 | -15.47 % | |
| Enterprise Value to EBITDA Multiple | 6.46 | 8.28 | 6.91 % |
CHMG - Profitability Highlights
Profitability Analysis
Earning Yield of 12.11 %
Excellent Net Margin for last 3 years
All key Trailing Twelve Months Margin growing by 15 %
Piotroski F Score - Stable Value of 5.0
Good Return On Capital Employed of 11.01
Good Net Margin of 20.99% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 2.10 | 12.80 | -25.98 % | 3.58 |
| Return On Asset | 0.925 | 0.922 | -15.23 % | 0.253 |
| Net Profit Margin | 20.99 | 22.11 | -27.32 % | 22.58 |
| Operating Profit Margin | 34.33 | 27.86 | -28.55 % | 29.11 |
| EBITDA Margin | 34.33 | 27.86 | -40.37 % | 29.11 |
Highlights
| Market Cap | 206300 K |
| Enterprise Value | 261782 K |
| Price/Book TTM | 1.32 |
| Outstanding Share | 4752.38 K |
| Float/ Outstanding Share | 56.02% |
| Dividend Yield | 2.85 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.623 |
| Peter Lynch Ratio | -1.68 |
| Piotroski F Score | 5.00 |
| Altman Z Score | 0.245 |
| Sloan Ratio | 0 |
| Peter Lynch Fair Value | 0 |
CHMG - Growth Highlights
Growth Analysis
Short term positive trend in total sale and net profit
Annual sales of the company is increased for three years in a row
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 29.39
Operating Cash Flow decreasing for last 3 year
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 118063 K | 19.51 % | 3.95 % |
| Gross Profit | 118063 K | 19.51 % | 3.95 % |
| EBITDA | 40533.00 K | 28.73 % | 95.74 % |
| Net Profit | 24780.00 K | 13.14 % | 85.43 % |
| EPS | 5.22 | 14.02 % | NA |
CHMG - Stability Highlights
Stability Analysis
Paid More Than 50% of Debt, Heading towards debt free
Altman Z Score of 0.244 suggest high risk
Interest Coverage of 0.743
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.170 | -85.47 % | 0.0051 |
| Cash Ratio | -0.0142 | -104.84 % | |
| Quick Ratio | 0 | 0 % | 0.367 |
| Shareholders Equity | 7.20 | 14.53 % | |
| Debt to EBITDA | 1.06 | -76.08 % |
Historical Valuation Ratios of Chemung Financial Corp
Historical Valuation Ratios
Loading ...
Historical Profitability Ratios of Chemung Financial Corp
Historical Profitability Ratios
Loading ...
Historical Efficiency Ratios of Chemung Financial Corp
Historical Efficiency Ratios
Loading ...
Historical Solvency Ratios of Chemung Financial Corp
Historical Solvency Ratios
Loading ...
Note : All Data Generated at the End of Trading Hours (EOD Data)