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Friday 6 November 2026
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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
85.23
0.35
+0.41%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
16.82 | 31.78 | 10.20 | 13.24 | 8.47 | 8.24 | 7.41 | 9.46 | 9.84 | 17.77 |
Piotroski F-Score |
6 | 6 | 7 | 4 | 7 | 6 | 6 | 6 | 5 | 5 |
P/S ratio |
2.19 | 2.94 | 2.28 | 2.38 | 1.85 | 2.34 | 2.07 | 1.72 | 1.54 | 1.90 |
P/FCF ratio |
7.68 | 10.48 | 7.20 | 7.97 | 5.74 | 6.16 | 6.10 | 7.70 | 8.74 | 5.87 |
P/Operating CF |
71.63 | 33.49 | 26.03 | 45.01 | 18.80 | 24.49 | 90.24 | 65.28 | 37.34 | 16.41 |
P/B ratio |
1.18 | 1.58 | 1.21 | 1.13 | 0.82 | 1.03 | 1.28 | 1.21 | 1.08 | 1.05 |
Price to Tangible BV |
1.42 | 1.88 | 1.41 | 1.29 | 0.92 | 1.15 | 1.47 | 1.36 | 1.20 | 1.15 |
EV/Sales |
1.40 | 3.35 | 0.84 | 1.02 | 0.66 | 2.25 | 2.49 | 1.70 | 1.98 | 2.50 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
4.87 | 11.42 | 2.66 | 3.37 | 2.04 | 5.89 | 7.32 | 7.59 | 10.02 | 7.75 |
EV/FCF |
4.90 | 11.96 | 2.67 | 3.43 | 2.05 | 5.91 | 7.34 | 7.63 | 11.21 | 7.73 |
Quick Ratio |
0.05 | 0.02 | 0.08 | 0.08 | 0.05 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.86 | 0.90 | 0.92 | 0.90 | 0.81 | 0.72 | 0.82 | 0.84 | 0.89 | 1.02 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.83% | 3.76% | 0.25% | 0.23% | 0.17% | 0.75% | 3.75% | 1.29% | 4.07% | 4.97% |
Debt/Equity |
0.10 | 0.43 | 0.03 | 0.02 | 0.02 | 0.09 | 0.60 | 0.18 | 0.52 | 0.53 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 |
Operating CF/Net income |
2.21 | 3.18 | 1.42 | 1.69 | 1.49 | 1.34 | 1.22 | 1.24 | 1.26 | 3.01 |
Capex/Depreciation |
(0.02) | (0.18) | (0.01) | (0.08) | (0.04) | (0.02) | (0.01) | (0.03) | (0.74) | 0.03 |
| 7.14% | 5.06% | 12.47% | 8.98% | 10.08% | 12.85% | 15.24% | 13.83% | 11.53% | 6.43% | |
| 0.61% | 0.44% | 1.13% | 0.88% | 0.95% | 1.12% | 1.14% | 0.93% | 0.86% | 0.55% | |
ROIC |
10.92% | 5.01% | 37.53% | 18.36% | 15.70% | 10.41% | 11.00% | 10.18% | 6.69% | 3.67% |
Return on Tangible Assets |
(5.54%) | (6.37%) | (18.20%) | (12.00%) | (5.03%) | (4.43%) | (7.13%) | (6.47%) | (9.82%) | 21.48% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
75.09% | 76.88% | 67.54% | 70.15% | 67.81% | 59.71% | 57.05% | 49.05% | 44.57% | 53.39% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.52% | 0.51% | 0.56% | 0.69% | 0.88% | 0.72% | 0.77% | 0.83% | 0.82% | 1.03% |
Graham Net Nets |
(1.33) | (0.88) | (0.69) | (0.80) | (2.55) | (2.99) | (2.60) | (1.98) | (1.72) | (0.38) |
Graham Number |
37.86 | 32.99 | 55.79 | 52.05 | 61.25 | 75.70 | 69.93 | 70.01 | 70.97 | 61.20 |
Earnings Yield |
5.95% | 3.15% | 9.80% | 7.55% | 11.81% | 12.14% | 13.50% | 10.57% | 10.16% | 5.63% |
Free Cash Flow Yield |
13.02% | 9.54% | 13.88% | 12.55% | 17.43% | 16.23% | 16.40% | 12.99% | 11.44% | 17.02% |
Revenue per Share |
16.24 | 16.78 | 18.13 | 17.87 | 18.33 | 19.83 | 21.93 | 29.08 | 31.61 | 29.30 |
Operating CF per Share |
4.65 | 4.93 | 5.75 | 5.42 | 5.97 | 7.57 | 7.47 | 6.53 | 6.25 | 9.47 |
Capex per Share |
(0.03) | (0.23) | (0.01) | (0.09) | (0.05) | (0.03) | (0.02) | (0.04) | (0.67) | 0.03 |
Free Cash Flow per Share |
4.62 | 4.70 | 5.73 | 5.34 | 5.92 | 7.54 | 7.45 | 6.49 | 5.58 | 9.50 |
Cash per Share |
15.74 | 6.40 | 26.90 | 25.04 | 22.60 | 5.76 | 11.90 | 7.79 | 9.86 | 10.43 |
Shareholders Equity per Share |
30.19 | 31.21 | 34.15 | 37.51 | 41.59 | 45.15 | 35.45 | 41.26 | 45.14 | 53.02 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
30.19 | 31.21 | 34.15 | 37.51 | 41.59 | 45.15 | 35.45 | 41.26 | 45.14 | 53.02 |
Free Cash Flow |
22.01 | 22.56 | 27.71 | 25.98 | 28.42 | 35.30 | 34.95 | 30.71 | 26.64 | 45.63 |
Working Capital |
(209.96) | (143.28) | (132.80) | (152.51) | (403.15) | (614.19) | (419.64) | (400.73) | (257.35) | 54.93 |
Capital Expenditures |
(0.13) | (1.08) | (0.06) | (0.42) | (0.24) | (0.16) | (0.10) | (0.17) | (3.18) | 0.13 |
Net Current Asset Value |
(225.00) | (208.73) | (138.35) | (165.95) | (415.48) | (650.68) | (553.61) | (466.98) | (399.72) | (102.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 |
Price to Operating Income |
11.71 | 16.09 | 8.45 | 10.87 | 6.83 | 6.44 | 5.78 | 7.50 | 7.74 | 13.45 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.24 | 0.23 | 0.22 | 0.24 | 0.30 | 0.49 | 0.42 | 0.36 | 0.26 | 0.27 |
Cash ROIC |
9.47% | 9.22% | 9.26% | 8.42% | 9.11% | 13.76% | 10.87% | 11.50% | 7.10% | 10.38% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
138,464.49 | 174,582.07 | 140,626.44 | 90,781.58 | 186,506.40 | 230,106.18 | 116,425.14 | 22,962.45 | 16,351.04 | 18,144.31 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,428.32 | 1,461.89 | 1,518.34 | 1,570.69 | 1,804.96 | 2,096.60 | 2,241.33 | 2,378.33 | 2,413.16 | 2,333.78 |
Average Assets |
1,638.57 | 1,682.40 | 1,731.48 | 1,771.59 | 2,033.64 | 2,348.96 | 2,532.01 | 2,678.04 | 2,743.34 | 2,743.19 |
Average Common Equity |
140.50 | 146.78 | 157.42 | 173.83 | 191.16 | 205.58 | 188.92 | 180.81 | 205.28 | 235.01 |
Columns are period end dates · fundamentals updated 5 Nov 2026