Chemung Financial Corporation (CHMG)

NMS – Real Time Price. Currency in USD

83.22

+1.04 (1.27%)

Market open: Aug 12, 2026, 11:30 AM EDT

81.10

-1.08 (-1.31%)

Previous after-hours: Aug 11, 2026, 6:40 PM EDT

Stock details

Previous close: 82.18$
Day's range: 81.51 - 82.71$
52-week range: 49.82 - 85$
Volume: 60 277
Average volume: 69 328
Beta: 0.33
EPS (TTM): 6.88
PE ratio (TTM): 11.94
Forward P/E: 10.86
Market cap: 396 228 584
Shares outstanding: 4 821 472
Dividend yield: $1.65 (1.65%)
Next earnings date: 2026-10-27
Sector: Financials
Industry: Banks - Regional

About the company

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; ... read more

CEO: Anders Tomson
Country: United States
IPO Date
Employees: 348
Fiscal Year End: January - December
Website: https://www.chemungcanal.com

Revenue Breakdown

Core Banking / 88.30%

Wealth Management Group / 12.56%

Inter-Segment Eliminations / -0.01%

News

No Data

There are no news for this stock.

Chart: CHMG

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Overall Score

4.6 / 1046%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $142.4M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.5) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.04	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.53	0.05	7.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	103M	138M	150M	141M	162M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	37M	32M	30M	20M	44M
Net Income	29M	25M	24M	15M	33M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	36.56	0.44	10
Net margin %	28.53	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.72	1.46	2.0
ROE	8.17	14.94	6.0
ROIC	6.72	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	10.11	17.59	8.0
Next quarter	5.45	18.63	7.0
Current year	31.17	30.43	10
Next year	7.7	5.09	5.5
Weighted average score			7.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.84	-2.98	-4.7	-43.87	1.8
Y/Y	85.01	238.61	38.93	28.82	10
3y average	12.15	-18.2	-0.61	13.97	4.3
5y average	10.63	-1.69	9.5	13.27	5.5
Weighted average score					5.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.70	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.30	3.37	4.4
P/B	1.45	1.53	5.6
Weighted average score			4.5

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR6.92%

FCF 5 year CAGR4

Fair value139.42$

Stock price82.7$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.50	2.50	7.0
Payout ratio	19.25	19.25	3.0
5-year dividend growth rate	4.88	4.88	6.0
Years of dividend increase	1.00	1.00	2.0
Weighted average score			4.5

Fair Value

$139.42

UndervaluedStock priceOvervalued

$82.7

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Anders Tomson

Country

United States

IPO Date

Employees

348

Fiscal Year End

January - December

Website

https://www.chemungcanal.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.04

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.53

0.05

7.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

103M

138M

150M

141M

162M

Gross Profit

N/A

Operating Income

37M

32M

30M

20M

44M

Net Income

29M

25M

24M

15M

33M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

36.56

0.44

Net margin %

28.53

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.72

1.46

2.0

ROE

8.17

14.94

6.0

ROIC

6.72

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

10.11

17.59

8.0

Next quarter

5.45

18.63

7.0

Current year

31.17

30.43

Next year

7.7

5.09

5.5

Weighted average score

7.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.84

-2.98

-4.7

-43.87

1.8

Y/Y

85.01

238.61

38.93

28.82

3y average

12.15

-18.2

-0.61

13.97

4.3

5y average

10.63

-1.69

9.5

13.27

5.5

Weighted average score

5.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.70

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.30

3.37

4.4

P/B

1.45

1.53

5.6

Weighted average score

4.5

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.50

7.0

Payout ratio

19.25

3.0

5-year dividend growth rate

4.88

6.0

Years of dividend increase

1.00

2.0

Weighted average score

4.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Chemung Financial Corporation (CHMG)

Stock details

About the company

Revenue Breakdown

News

Chart: CHMG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$139.42

$82.7

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CHMG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$139.42

$82.7

Economic Moat