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Chemung Financial Corp

CHMG Financial Banks Regional

Chemung Financial Corp’s revenue for fiscal 2025 (year ended December 2025) was $140.8 million, down 6.64% from fiscal 2024.

Revenue
+6.14%
EPS
+62.4%
Free cash flow
−3.80%
Total debt
+33.3%

Quarter to September 2026, against a year earlier

85.10 1.78 −2.05%
Market cap
$410.8M
P/E
10.7×
Fwd P/E
10.1×
Dividend yield
1.62%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.73
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 4 — 1 — — — — 1 — —
Insider Ownership 24.58%

Capital & Financial Ratios $m

Size
Market Cap 410.82
Revenue ttm 164.62
Net income ttm 38.46
Free cash flow ttm 46.02
Net debt Q (71.84)
Valuation
P/E 10.68
Forward P/E 10.10
Price / sales 2.50
Forward P/S Powerpack
Price / FCF 9.21
Price / book 1.51
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +6.14% (above 0%: growing)
Operating income growth Q +63.99% (above 0%: growing)
EPS, this year +45.14% (at or above 15%: strong)
EPS, next year A +0.21%
Revenue, next year A −10.85% (below 0%: weak)
EPS, past 5 yrs −4.77% (below 0%: weak)
EPS, next 5 yrs A +15.30% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 50.79%
10-year low 10-year high
P/S against its own 10 years 84.89%
10-year low 10-year high
P/B against its own 10 years 95.82%
10-year low 10-year high

Dividends

Yield
1.62%
Annual rate
1.38
Payout ratio
17.3%
Growth, 2017–25
+3.02%/yr
  1. 1.04 ’17
  2. 1.04 ’18 +0
  3. 1.04 ’19 +0
  4. 1.04 ’20 +0
  5. 1.19 ’21 +14
  6. 1.24 ’22 +4
  7. 1.24 ’23 +0
  8. 1.24 ’24 +0
  9. 1.32 ’25 +6
  10. 1.39 ’26e +5
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 37 47 50 72
Receivables — — — —
Inventory — — — —
Other — — — —
2,048 2,161 2,354 —
2023 2024 2025 Q'26
Payables 2,429 2,397 2,271 2,385
ST’ Debt — — — —
Other — — — —
2,449 2,418 2,299 2,412

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.93 Actual 2.63

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.60 1.61 Beat by 0.01
Q1 FY26 1.63 1.91 Beat by 0.28
Q2 FY26 1.70 1.82 Beat by 0.12
Q3 FY26 1.93 2.63 Beat by 0.70
Q4 FY26 2.14 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.91 1.82 2.63 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 40 41 42 — —
’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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 9 9 11 — —
’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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 9 11 — —
’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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 77 81 88 87 88 93 103 138 151 141 165 +6.9% 126 135 142 +0.4%
Gross margin, % 95.03 96.19 95.35 92.73 95.47 96.32 92.91 71.94 64.52 67.55 75.07 (27.5) pt
EBT 14 15 24 19 24 34 37 32 30 20 51 +3.7%
EBT margin, % 18.66 18.24 26.97 21.89 27.11 36.35 35.85 22.89 19.95 14.16 30.76 (4.5) pt
Net income 10 7 20 16 19 26 29 25 24 15 38 +4.7%
Per share, $
Per share, $ Revenue 16.24 16.78 18.13 17.87 18.33 19.83 21.93 29.08 31.61 29.30 34.02 +6.8%
Earnings 2.11 1.55 4.06 3.21 4.01 5.64 6.13 5.28 4.96 3.14 7.97 +4.5%
Cash flow 4.65 4.93 5.75 5.42 5.97 7.57 7.47 6.53 6.25 9.47 9.51 +8.2%
Capex (0.03) (0.23) (0.01) (0.09) (0.05) (0.03) (0.02) (0.04) (0.67) 0.03 0.00 n/m
Free cash flow 4.62 4.70 5.73 5.34 5.92 7.54 7.45 6.49 5.58 9.50 9.51 +8.3%
Book value 30.19 31.21 34.15 37.51 41.59 45.15 35.45 41.26 45.14 53.02 56.52 +6.5%
Shares, m 5 5 5 5 5 5 5 5 5 5 5 +0.1%
Valuation, ×
Valuation, × P/E 16.82 31.78 10.20 13.24 8.47 8.24 7.41 9.46 9.84 17.77 10.68 13.3
P/S 2.19 2.94 2.28 2.38 1.85 2.34 2.07 1.72 1.54 1.90 2.50 2.1
P/B 1.18 1.58 1.21 1.13 0.82 1.03 1.28 1.21 1.08 1.05 1.51 1.2
EV/Sales 1.40 3.35 0.84 1.02 0.66 2.25 2.49 1.70 1.98 2.50 — 1.8
EV/FCF 4.90 11.96 2.67 3.43 2.05 5.91 7.34 7.63 11.21 7.73 — 6.5
Cash, $m
Cash, $m Operating cash flow 22 24 28 26 29 35 35 31 30 45 46 +8.3%
Capex 0 (1) 0 0 0 0 0 0 (3) 0 (1) n/m
Free cash flow 22 23 28 26 28 35 35 31 27 46 46 +8.4%
Balance, $m
Balance, $m Working capital (210) (143) (133) (153) (403) (614) (420) (401) (257) 55 (2,412) n/m
Net debt (61) 33 (126) (118) (105) (9) 43 (2) 66 84 (72) n/m
Shareholders’ equity 144 150 165 183 200 211 166 195 215 255 274 +6.6%
Returns, %
Returns, % ROA 0.61 0.44 1.13 0.88 0.95 1.12 1.14 0.93 0.86 0.55 1.39 (0.1) pt
ROIC 10.92 5.01 37.53 18.36 15.70 10.41 11.00 10.18 6.69 3.67 15.69 (7.3) pt
ROE 7.14 5.06 12.47 8.98 10.08 12.85 15.24 13.83 11.53 6.43 14.82 (0.7) pt
People
People Employees 368 371 374 362 341 337 340 339 343 348 — (0.6%)
Revenue/emp, $m 0.21 0.22 0.23 0.24 0.26 0.28 0.30 0.41 0.44 0.40 — +7.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Chemung Financial Corp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RBB RBB Bancorp $432.5M 10.5× 10.1× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00% Compare
PCB PCB Bancorp $424.1M 10.2× 9.9× +2.13% (above 0%: growing) +8.86% (above 0%: growing) −6.30% (below 0%: shrinking) 57.79% 0.00% Compare
CZFS Citizens Financial Services Inc. $413.9M 9.6× 9.8× +8.19% (above 0%: growing) +18.66% (above 0%: growing) +84.04% (above 0%: growing) 66.14% 0.00% Compare
FNLC First Bancorp, Inc (ME) $412.9M 10.3× 10.2× +2.14% (above 0%: growing) +17.07% (above 0%: growing) −23.54% (below 0%: shrinking) 59.15% 0.00% Compare
CHMG Chemung Financial Corp $410.8M 10.7× 10.1× +6.14% (above 0%: growing) +62.35% (above 0%: growing) −3.80% (below 0%: shrinking) 75.38% 0.00%
FCBM FIRST CAROL FIN $410.1M — — — — — 60.28% 0.00% Compare
NECB Northeast Community Bancorp Inc. $399.2M 9.0× 11.9× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $395.8M 12.7× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
NWFL Norwood Financial Corp. $391.5M 12.4× 11.5× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
Median of peers $411.5M 10.3× 10.2× +2.14% +13.21% +4.05% 63.21% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 23 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.42m 1.43m 132.00
2024 1.36m 1.36m 113.00
2023 1.28m 1.31m 112.00

Ownership

Directors and executive officers, together 12.69%
Robert H. Dalrymple 5.12%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Chemung Financial Corp (CHMG) Latest News

29 Oct

Impact 4 · · Zacks

24 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
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14 Aug

Impact 3 ·

28 Jul

Impact 4 ·

18 May

Impact 3 · · Zacks

17 Apr

Impact 4 ·
Impact 3 · · Zacks

26 Jan

Impact 4 · · Zacks
Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswire

15 Jan

Impact 4 · · Simply Wall St.

14 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

8 Jan

Impact 3 ·

7 Jan

Impact 4 · · Zacks

5 Jan

Impact 4 · · ZacksZacksZacksZacksZacks

12 Dec

Impact 3 · · Simply Wall St.

19 Nov

Impact 4 · · Simply Wall St.

18 Nov

Impact 3 ·

23 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · Zacks
Impact 3 · · Associated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press Finance
Impact 3 · · GlobeNewswire

10 Oct

Impact 4 · · Zacks

1 Oct

Impact 4 ·

29 Sep

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.
stockrow.com/CHMG · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com