Chemung Financial Corp CHMG

82.00 (0.09) (0.11%) as of 25 Sep
Market cap
$395.8M
P/E
11.8×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.18
Total sells 0.73
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 — — — — — — — — — — —
Sell — — — — 4 — 1 — — — — 1
Insider Ownership 24.97%

Capital & Financial Ratios

Market Cap 395.79
Revenue 162.16
Net Income 33.54
Free Cash Flow 45.56
Net Debt 63.82
Current Ratio 1.04
Debt/Equity 0.51
P/E ratio 11.78
P/S ratio 2.45
P/B ratio 1.47
Past 5Y EPS Growth 9.13%
This Y EPS Growth 31.19%
Next Y EPS Growth 7.32%
Next 5Y EPS Growth 14.03%
in millions of $

Dividends

Payout Ratio 0.21
Annual Dividend Rate 1.24
Annual Dividend Yield 2.84%
total individual payouts
2027 Powerpack
2026 1.40
0.34
0.34
0.36
2025 1.32
0.32
0.32
0.34
0.34
2024 1.24
0.31
0.31
0.31
0.31
2023 1.24
0.31
0.31
0.31
0.31
2022 1.24
0.31
0.31
0.31
0.31
2021 1.19
0.26
0.31
0.31
0.31
2020 1.04
0.26
0.26
0.26
0.26
2019 1.04
0.26
0.26
0.26
0.26
2018 1.04
0.26
0.26
0.26
0.26
2017 1.04
0.26
0.26
0.26
0.26
2016 1.04
0.26
0.26
0.26
0.26
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 37 47 50 73
Receivables — — — —
Inventory — — — —
Other — — — —
2,048 2,161 2,354 2,474
2023 2024 2025 Q'26
Payables 2,429 2,397 2,271 2,364
ST’ Debt — — — —
Other — — — —
2,449 2,418 2,299 2,390
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 6.54% 9.85% 11.01%
Cash Flow 12.41% 9.69% 9.09%
Earnings 4.82% (4.75%) (19.34%)
Book Value 6.38% 4.99% 15.25%

Revenue

Mar Jun Sep Dec Year
’26 40 41 — — —
’25 38 22 40 41 141
’24 37 37 38 39 151
’23 32 33 37 36 138
’22 23 24 26 30 103
’21 22 23 24 23 93
’20 21 22 22 23 88
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 9 9 — — —
’25 7 10 12 16 45
’24 8 6 9 6 30
’23 11 7 9 4 31
’22 6 12 15 2 35
’21 8 9 9 9 35
’20 6 8 6 9 29
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 9 9 — — —
’25 7 11 12 16 46
’24 8 6 9 4 27
’23 10 7 9 4 31
’22 6 12 15 2 35
’21 8 9 9 9 35
’20 6 8 5 9 28
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.91 1.82 — — —
’25 1.26 (1.35) 1.62 1.61 3.14
’24 1.48 1.05 1.19 1.24 4.96
’23 1.54 1.33 1.61 0.80 5.28
’22 1.46 1.72 1.37 1.58 6.13
’21 1.39 1.45 1.42 1.38 5.64
’20 0.51 1.20 1.19 1.11 4.01
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
26.05 31.72 36.87 38.56 21.75 33.33 40.74 33.72 39.00 40.71

Analyst estimates 2026–2028

Powerpack
Low Price
36.75 56.83 53.99 51.00 43.11 49.50 48.75 53.43 55.73 60.80
High Price
368 371 374 362 341 337 340 339 343 348
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
77 81 88 87 88 93 103 138 151 141
Revenue
95.03% 96.19% 95.35% 92.73% 95.47% 96.32% 92.91% 71.94% 64.52% 67.55%
Gross Margin
14 15 24 19 24 34 37 32 30 20
EBT
18.66% 18.24% 26.97% 21.89% 27.11% 36.35% 35.85% 22.89% 19.95% 14.16%
EBT Margin
10 7 20 16 19 26 29 25 24 15
Net Income
7 6 5 5 6 9 7 5 4 4
Depreciation
16.24 16.78 18.13 17.87 18.33 19.83 21.93 29.08 31.61 29.30
Revenue/Sh
2.11 1.55 4.06 3.21 4.01 5.64 6.13 5.28 4.96 3.14
Earnings/Sh
4.65 4.93 5.75 5.42 5.97 7.57 7.47 6.53 6.25 9.47
Cash Flow/Sh
(0.03) (0.23) (0.01) (0.09) (0.05) (0.03) (0.02) (0.04) (0.67) 0.03
Capex/Sh
4.62 4.70 5.73 5.34 5.92 7.54 7.45 6.49 5.58 9.50
Free CF/Sh
30.19 31.21 34.15 37.51 41.59 45.15 35.45 41.26 45.14 53.02
Book Value/Sh
5 5 5 5 5 5 5 5 5 5
Shares
16.82 31.78 10.20 13.24 8.47 8.24 7.41 9.46 9.84 17.77
PE Ratio
2.19 2.94 2.28 2.38 1.85 2.34 2.07 1.72 1.54 1.90
PS Ratio
1.18 1.58 1.21 1.13 0.82 1.03 1.28 1.21 1.08 1.05
PB Ratio
1.40 3.35 0.84 1.02 0.66 2.25 2.49 1.70 1.98 2.50
EV/Sales
4.90 11.96 2.67 3.43 2.05 5.91 7.34 7.63 11.21 7.73
EV/FCF
22 24 28 26 29 35 35 31 30 45
Op' Cash Flow
0 (1) 0 0 0 0 0 0 (3) 0
Capex
22 23 28 26 28 35 35 31 27 46
FCF
(210) (143) (133) (153) (403) (614) (420) (401) (257) 55
Working Cap'
14 64 4 4 4 18 99 35 113 135
Total Debt
(61) 33 (126) (118) (105) (9) 43 (2) 66 84
Net Debt
144 150 165 183 200 211 166 195 215 255
Sh' Equity
0.61% 0.44% 1.13% 0.88% 0.95% 1.12% 1.14% 0.93% 0.86% 0.55%
ROA
10.92% 5.01% 37.53% 18.36% 15.70% 10.41% 11.00% 10.18% 6.69% 3.67%
ROIC
7.14% 5.06% 12.47% 8.98% 10.08% 12.85% 15.24% 13.83% 11.53% 6.43%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Chemung Financial Corp peers in Banks Regional

All 325 Banks Regional stocks →

Chemung Financial Corp (CHMG) key facts

  • Chemung Financial Corp (CHMG) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Chemung Financial Corp’s revenue for fiscal 2025 (year ended December 2025) was $140.8 million, down 6.64% from fiscal 2024.
  • Net income was $15.1 million, or $3.14 per share (basic), a net margin of 10.7%.
  • As of September 25, 2026, CHMG traded at $82.00, a market capitalization of $395.8 million.
  • At that price the stock trades at 11.8× trailing-twelve-month earnings and 2.4× sales.
  • Chemung Financial Corp pays an annual dividend of $1.24 per share, a yield of 2.84%, with a payout ratio of 21.3%.
  • Return on equity was 6.43% and debt-to-equity 0.51.

Source: company filings (standardised) and stockrow calculations.

Chemung Financial Corp (CHMG) Latest News

News by impact score

Fine-tune

14 Aug

3

Chemung Financial Corp (CHMG) received an upgrade to Strong Buy rating. Analyst upgrade to Strong Buy may lift short-term investor sentiment and share price for Chemung Financial.

28 Jul

4

Chemung Financial (CHMG) shows strong positioning for a surge driven by favorable operational metrics and market conditions. Analysis highlights strategic factors likely to significantly shift CHMG trajectory and investor sentiment.

18 May

3

Chemung Financial Corp (CHMG) received a Strong Buy upgrade from analysts, signaling improved expectations for its stock performance and future outlook. Analyst upgrade to Strong Buy may lift short-term investor sentiment and share price without altering core operations.

17 Apr

4

Chemung Financial Corporation reported record quarterly results for Q1 2026, with net income of $9.2 million, or $1.91 per share. Record Q1 2026 net income of $9.2 million or $1.91 per share demonstrates strong financial performance, likely enhancing investor sentiment and future market valuation.

3

Chemung Financial Corp (CHMG) beat Q1 earnings estimates with stronger-than-expected results. Beating Q1 earnings estimates moderately influences financial performance and investor sentiment.

26 Jan

4

Chemung Financial Corp (CHMG) reported Q4 earnings and revenues that exceeded analysts' estimates, indicating strong financial performance. The results reflect effective management and operational efficiency, contributing to positive market sentiment around the company's future prospects. Earnings exceeding estimates can significantly enhance investor confidence and influence the company's market trajectory.

3

Chemung Financial Corp reported its Q4 earnings, highlighting a net income increase compared to the previous year. The bank's total assets and deposits also saw growth, reflecting a positive trend in its financial performance. Management expressed optimism about future growth opportunities and strategic initiatives aimed at enhancing shareholder value. The earnings report indicates moderate growth and positive management outlook, which may influence investor sentiment and financial performance.

3

Chemung Financial Corporation reported a net income of $7.7 million for the fourth quarter of 2025, translating to $1.61 per share. The annual financial results reflect the company's performance over the year, highlighting key metrics and growth indicators. The reported net income indicates moderate financial performance, which may influence investor sentiment and operational aspects.

15 Jan

4

Chemung Financial Corp (CHMG) is highlighted among three growth companies with high insider ownership, projecting earnings growth of up to 120%. This significant growth expectation is attributed to strong management confidence and strategic initiatives aimed at enhancing financial performance. Insider ownership is seen as a positive indicator of alignment between management and shareholder interests, potentially driving investor sentiment. High insider ownership and projected earnings growth suggest significant strategic moves that could alter the company's trajectory.

14 Jan

4

Chemung Financial Corp (CHMG) is highlighted as a top growth stock for January 2026, showcasing strong insider confidence. The article emphasizes the company's robust financial performance and strategic initiatives that position it favorably in the market. Insider buying trends suggest a positive outlook among executives, indicating their belief in the company's future growth potential. Investors are encouraged to consider CHMG as a viable option for long-term investment, given the favorable market conditions and insider sentiment. Strong insider confidence and strategic initiatives are likely to significantly impact the company's future performance.

3

Chemung Financial Corp (CHMG) is highlighted among three high-growth stocks favored by insiders for potential gains. The article emphasizes the company's strategic positioning and growth prospects, suggesting that insider confidence could lead to positive market performance. Investors are encouraged to consider these stocks for their portfolios as they may offer significant returns in the near future. Insider interest indicates a moderately noticeable influence on market sentiment and potential financial performance.

8 Jan

3

Chemung Financial Corporation (NASDAQ:CHMG) has attracted the attention of institutional investors, who now hold 40% of the company's shares. This significant ownership stake indicates growing interest and confidence in the company's potential among larger investment entities. Institutional ownership at 40% suggests a moderately noticeable influence on market sentiment and potential financial performance.

7 Jan

4

Chemung Financial Corp (CHMG) has been designated as a strong sell due to various factors impacting its stock performance. Analysts have identified concerns regarding the company's financial health and market position, leading to a negative outlook for investors. The recommendation suggests that investors should consider divesting their holdings in CHMG as the stock may continue to underperform in the near future. Significant concerns about financial health and market position are likely to impact investor sentiment and future performance.

5 Jan

4

Chemung Financial Corp (CHMG) has been designated as a strong sell due to various negative indicators affecting its stock performance. Analysts have identified concerns regarding the company's financial health and market position, leading to a recommendation for investors to divest their holdings. The outlook for CHMG appears bleak, prompting this classification as a strong sell for January 5th. Negative indicators affecting financial health and market position suggest significant impact on future performance.

12 Dec

3

Insiders are showing confidence in Chemung Financial Corp (CHMG) and two other growth companies, indicating a positive outlook for their future performance. This trend suggests that key stakeholders believe in the potential for significant growth and value creation within these firms. Such insider activity often reflects underlying confidence in the companies' strategies and market positions, which could influence investor sentiment and market dynamics. Insider confidence may moderately influence market sentiment and financial performance.

19 Nov

4

Chemung Financial Corp (NASDAQ:CHMG) has delivered a remarkable 69% return to its investors over the past five years, reflecting strong financial performance and effective management strategies. This positive trend highlights the company's resilience and ability to navigate market challenges, making it an attractive option for current and potential investors. The significant return over five years indicates strong financial health and investor confidence, likely influencing future market performance.

18 Nov

3

Chemung Financial Corporation has declared a quarterly dividend of $0.27 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and maintaining a strong financial position. The dividend announcement indicates stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

23 Oct

3

Chemung Financial Corp (CHMG) is highlighted among three undervalued small-cap stocks experiencing insider buying, indicating potential growth opportunities. The article emphasizes the significance of insider purchases as a positive signal for investors, suggesting that these executives have confidence in their company's future performance. CHMG's valuation and market position are discussed in the context of broader market trends, making it an attractive option for investors seeking undervalued stocks. Insider buying can indicate confidence in the company's future, potentially influencing market sentiment and performance.

22 Oct

3

Chemung Financial Corp (CHMG) is facing a decline in margins, raising concerns about the sustainability of its high-quality earnings narrative. The company's financial performance is under scrutiny as investors assess the implications of this margin contraction on future profitability and growth prospects. Margin decline may affect financial performance and investor sentiment, but overall impact is expected to be limited.

21 Oct

3

Chemung Financial Corp (CHMG) reported Q3 earnings and revenues that fell short of analysts' estimates, indicating potential challenges in financial performance. The company's results may raise concerns among investors regarding its growth trajectory and market positioning. Despite the disappointing figures, management remains optimistic about future strategies to enhance performance. Earnings and revenue misses can moderately influence investor sentiment and financial performance.

3

Chemung Financial Corp (CHMG) reported its Q3 earnings, highlighting a net income of $2.1 million, or $0.55 per share, compared to $1.8 million, or $0.48 per share, in the same quarter last year. The bank's total assets increased to $1.1 billion, driven by growth in loans and deposits. The company also noted improvements in net interest margin and a decrease in non-performing loans. Management expressed optimism about future growth and maintaining strong financial health despite economic challenges. Earnings growth and asset increases indicate a moderately positive influence on financial performance.

3

Chemung Financial Corporation reported a net income of $7.8 million for the third quarter of 2025, translating to earnings of $1.62 per share. This performance reflects the company's ongoing financial health and operational effectiveness in a competitive market. The reported net income indicates stable financial performance, which may influence investor sentiment and market positioning.

10 Oct

4

Chemung Financial Corp (CHMG) is highlighted as a potential high-growth dividend stock, attracting attention for its strong financial performance and commitment to returning value to shareholders. The company has demonstrated consistent revenue growth and a solid dividend yield, making it an appealing option for investors seeking both income and capital appreciation. Analysts suggest that CHMG's strategic initiatives and market positioning could further enhance its growth prospects, positioning it favorably in the competitive landscape. Strong financial performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.

1 Oct

4

Chemung Financial Corp (CHMG) is highlighted as one of three growth companies with high insider ownership, showcasing a remarkable 38% revenue growth. This growth is indicative of strong management confidence and potential for continued performance in the market. Insider ownership often correlates with alignment of interests between management and shareholders, suggesting a positive outlook for the company's future. High insider ownership combined with significant revenue growth indicates a strong potential for future performance and investor sentiment.

29 Sep

3

Insiders at Chemung Financial Corp (CHMG) have made bullish bets totaling approximately US$968.4k, indicating confidence in the company's future performance. This significant investment by insiders suggests a positive outlook for the firm, potentially influencing market sentiment and investor behavior. Insider buying often reflects confidence in the company's future, which may moderately influence market sentiment and performance.

24 Sep

4

Chemung Financial Corp (CHMG) is highlighted as an attractive dividend stock due to its consistent dividend payments, strong financial performance, and a solid balance sheet. The company has demonstrated resilience in its operations, making it a reliable choice for income-focused investors. With a history of increasing dividends, CHMG is positioned well in the current market environment, appealing to those seeking stable returns amidst economic uncertainties. Strong financial performance and consistent dividend payments indicate significant positive influence on future market performance.

8 Sep

3

Chemung Financial Corp (CHMG) is being evaluated for its potential as a value investment. Analysts are considering its financial health, market position, and growth prospects. The stock's valuation metrics are being compared to industry peers, and insights into its recent performance and strategic initiatives are provided. Investors are advised to weigh the risks and rewards before making investment decisions. The evaluation of Chemung Financial Corp's financial health and market position suggests a moderate influence on its future performance.

2 Sep

3

Chemung Financial Corp (CHMG) is highlighted as a company to watch due to its high insider ownership growth. This trend suggests confidence from management in the company's future performance and stability. The article emphasizes the importance of insider ownership as a positive indicator for potential investors, particularly in the context of market dynamics in September 2025. High insider ownership growth may influence investor sentiment and confidence in the company's future performance.

23 Aug

4

Chemung Financial Corp (CHMG) is set to announce a dividend that will exceed last year's payout, signaling a positive trend in the company's financial health and commitment to returning value to shareholders. An increased dividend indicates strong financial performance and could enhance investor sentiment significantly.

21 Aug

3

Chemung Financial Corp (CHMG) is currently perceived as undervalued by investors, with analysts suggesting that the stock may be trading below its intrinsic value. Factors contributing to this assessment include the company's solid financial performance, growth potential, and favorable market conditions. Investors are encouraged to consider the long-term prospects of CHMG, as the current market price may not reflect its true worth. The article highlights the importance of evaluating the company's fundamentals and market position to make informed investment decisions. The assessment of undervaluation indicates a moderately noticeable influence on investor sentiment and potential financial performance.

stockrow.com/CHMG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com