The ads I see on Facebook currently are for SSL certificates (guess what I bought recently), BGP routing optimisation products (not sure why), and TransferWise (I used them once). In short, lots of remarketing and something presumably targeted at one of the news sources I get in my feed e.g. slashdot.
These are all pretty nerdy yet also pretty reasonable ads. Ads targeted based on my chats would mostly revolve around .... well, not sure. At best, nights out or local cinemas. I doubt there's much profit in that.