Chemung Financial Corp CHMG
- Market cap
- $395.8M
- P/E
- 11.8×
Follow CHMG
Target Price Range
Analyst price targets
Free account| 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
|
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| 36.75 | 56.83 | 53.99 | 51.00 | 43.11 | 49.50 | 48.75 | 53.43 | 55.73 | 60.80 |
High Price
|
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| 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
|
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| 14 | 15 | 24 | 19 | 24 | 34 | 37 | 32 | 30 | 20 |
EBT
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| 18.66% | 18.24% | 26.97% | 21.89% | 27.11% | 36.35% | 35.85% | 22.89% | 19.95% | 14.16% |
EBT Margin
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| 10 | 7 | 20 | 16 | 19 | 26 | 29 | 25 | 24 | 15 |
Net Income
|
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| 7 | 6 | 5 | 5 | 6 | 9 | 7 | 5 | 4 | 4 |
Depreciation
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| 16.24 | 16.78 | 18.13 | 17.87 | 18.33 | 19.83 | 21.93 | 29.08 | 31.61 | 29.30 |
Revenue/Sh
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| 2.11 | 1.55 | 4.06 | 3.21 | 4.01 | 5.64 | 6.13 | 5.28 | 4.96 | 3.14 |
Earnings/Sh
|
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| 4.65 | 4.93 | 5.75 | 5.42 | 5.97 | 7.57 | 7.47 | 6.53 | 6.25 | 9.47 |
Cash Flow/Sh
|
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| (0.03) | (0.23) | (0.01) | (0.09) | (0.05) | (0.03) | (0.02) | (0.04) | (0.67) | 0.03 |
Capex/Sh
|
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| 4.62 | 4.70 | 5.73 | 5.34 | 5.92 | 7.54 | 7.45 | 6.49 | 5.58 | 9.50 |
Free CF/Sh
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| 30.19 | 31.21 | 34.15 | 37.51 | 41.59 | 45.15 | 35.45 | 41.26 | 45.14 | 53.02 |
Book Value/Sh
|
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| 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
|
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| 2.19 | 2.94 | 2.28 | 2.38 | 1.85 | 2.34 | 2.07 | 1.72 | 1.54 | 1.90 |
PS Ratio
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| 1.18 | 1.58 | 1.21 | 1.13 | 0.82 | 1.03 | 1.28 | 1.21 | 1.08 | 1.05 |
PB Ratio
|
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| 1.40 | 3.35 | 0.84 | 1.02 | 0.66 | 2.25 | 2.49 | 1.70 | 1.98 | 2.50 |
EV/Sales
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| 4.90 | 11.96 | 2.67 | 3.43 | 2.05 | 5.91 | 7.34 | 7.63 | 11.21 | 7.73 |
EV/FCF
|
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| 22 | 24 | 28 | 26 | 29 | 35 | 35 | 31 | 30 | 45 |
Op' Cash Flow
|
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| 0 | (1) | 0 | 0 | 0 | 0 | 0 | 0 | (3) | 0 |
Capex
|
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| 22 | 23 | 28 | 26 | 28 | 35 | 35 | 31 | 27 | 46 |
FCF
|
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| (210) | (143) | (133) | (153) | (403) | (614) | (420) | (401) | (257) | 55 |
Working Cap'
|
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| 14 | 64 | 4 | 4 | 4 | 18 | 99 | 35 | 113 | 135 |
Total Debt
|
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| (61) | 33 | (126) | (118) | (105) | (9) | 43 | (2) | 66 | 84 |
Net Debt
|
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| 144 | 150 | 165 | 183 | 200 | 211 | 166 | 195 | 215 | 255 |
Sh' Equity
|
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| 0.61% | 0.44% | 1.13% | 0.88% | 0.95% | 1.12% | 1.14% | 0.93% | 0.86% | 0.55% |
ROA
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| 10.92% | 5.01% | 37.53% | 18.36% | 15.70% | 10.41% | 11.00% | 10.18% | 6.69% | 3.67% |
ROIC
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| 7.14% | 5.06% | 12.47% | 8.98% | 10.08% | 12.85% | 15.24% | 13.83% | 11.53% | 6.43% |
ROE
|
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Chemung Financial Corp peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CZFS Citizens Financial Services Inc. | $394.4M | 9.4× | Compare |
| PKBK Parke Bancorp, Inc. | $397.3M | 8.7× | Compare |
| MVBF Mvb Financial Corp. | $388.6M | 9.9× | Compare |
| PCB PCB Bancorp | $386.8M | 9.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ISTR Investar Holding Corporation | $405.0M | 16.7× | Compare |
| FRST Primis Financial Corp. | $386.6M | 7.3× | Compare |
| FNLC First Bancorp, Inc (ME) | $385.9M | 10.1× | Compare |
| USCB USCB Financial Holdings, Inc. | $418.8M | 14.7× | Compare |
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.
Chemung Financial Corp (CHMG) Latest News
14 Aug
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
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
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
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.
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
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.
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.
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
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
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.
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
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
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
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
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
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
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
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
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
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.
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.
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
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
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
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
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
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
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
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
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.