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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
85.12
0.24
+0.28%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
17.77 | 9.84 | 9.46 | 7.41 | 8.24 | 8.47 | 13.24 | 10.20 | 31.78 | 16.82 |
Piotroski F-Score |
5 | 5 | 6 | 6 | 6 | 7 | 4 | 7 | 6 | 6 |
P/S ratio |
1.90 | 1.54 | 1.72 | 2.07 | 2.34 | 1.85 | 2.38 | 2.28 | 2.94 | 2.19 |
P/FCF ratio |
5.87 | 8.74 | 7.70 | 6.10 | 6.16 | 5.74 | 7.97 | 7.20 | 10.48 | 7.68 |
P/Operating CF |
16.41 | 37.34 | 65.28 | 90.24 | 24.49 | 18.80 | 45.01 | 26.03 | 33.49 | 71.63 |
P/B ratio |
1.05 | 1.08 | 1.21 | 1.28 | 1.03 | 0.82 | 1.13 | 1.21 | 1.58 | 1.18 |
Price to Tangible BV |
1.15 | 1.20 | 1.36 | 1.47 | 1.15 | 0.92 | 1.29 | 1.41 | 1.88 | 1.42 |
EV/Sales |
2.50 | 1.98 | 1.70 | 2.49 | 2.25 | 0.66 | 1.02 | 0.84 | 3.35 | 1.40 |
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 |
7.75 | 10.02 | 7.59 | 7.32 | 5.89 | 2.04 | 3.37 | 2.66 | 11.42 | 4.87 |
EV/FCF |
7.73 | 11.21 | 7.63 | 7.34 | 5.91 | 2.05 | 3.43 | 2.67 | 11.96 | 4.90 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.05 | 0.08 | 0.08 | 0.02 | 0.05 |
Current Ratio |
1.02 | 0.89 | 0.84 | 0.82 | 0.72 | 0.81 | 0.90 | 0.92 | 0.90 | 0.86 |
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 |
4.97% | 4.07% | 1.29% | 3.75% | 0.75% | 0.17% | 0.23% | 0.25% | 3.76% | 0.83% |
Debt/Equity |
0.53 | 0.52 | 0.18 | 0.60 | 0.09 | 0.02 | 0.02 | 0.03 | 0.43 | 0.10 |
Asset Turnover |
0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
3.01 | 1.26 | 1.24 | 1.22 | 1.34 | 1.49 | 1.69 | 1.42 | 3.18 | 2.21 |
Capex/Depreciation |
0.03 | (0.74) | (0.03) | (0.01) | (0.02) | (0.04) | (0.08) | (0.01) | (0.18) | (0.02) |
| 6.43% | 11.53% | 13.83% | 15.24% | 12.85% | 10.08% | 8.98% | 12.47% | 5.06% | 7.14% | |
| 0.55% | 0.86% | 0.93% | 1.14% | 1.12% | 0.95% | 0.88% | 1.13% | 0.44% | 0.61% | |
ROIC |
3.67% | 6.69% | 10.18% | 11.00% | 10.41% | 15.70% | 18.36% | 37.53% | 5.01% | 10.92% |
Return on Tangible Assets |
21.48% | (9.82%) | (6.47%) | (7.13%) | (4.43%) | (5.03%) | (12.00%) | (18.20%) | (6.37%) | (5.54%) |
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 |
53.39% | 44.57% | 49.05% | 57.05% | 59.71% | 67.81% | 70.15% | 67.54% | 76.88% | 75.09% |
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 |
1.03% | 0.82% | 0.83% | 0.77% | 0.72% | 0.88% | 0.69% | 0.56% | 0.51% | 0.52% |
Graham Net Nets |
(0.38) | (1.72) | (1.98) | (2.60) | (2.99) | (2.55) | (0.80) | (0.69) | (0.88) | (1.33) |
Graham Number |
61.20 | 70.97 | 70.01 | 69.93 | 75.70 | 61.25 | 52.05 | 55.79 | 32.99 | 37.86 |
Earnings Yield |
5.63% | 10.16% | 10.57% | 13.50% | 12.14% | 11.81% | 7.55% | 9.80% | 3.15% | 5.95% |
Free Cash Flow Yield |
17.02% | 11.44% | 12.99% | 16.40% | 16.23% | 17.43% | 12.55% | 13.88% | 9.54% | 13.02% |
Revenue per Share |
29.30 | 31.61 | 29.08 | 21.93 | 19.83 | 18.33 | 17.87 | 18.13 | 16.78 | 16.24 |
Operating CF per Share |
9.47 | 6.25 | 6.53 | 7.47 | 7.57 | 5.97 | 5.42 | 5.75 | 4.93 | 4.65 |
Capex per Share |
0.03 | (0.67) | (0.04) | (0.02) | (0.03) | (0.05) | (0.09) | (0.01) | (0.23) | (0.03) |
Free Cash Flow per Share |
9.50 | 5.58 | 6.49 | 7.45 | 7.54 | 5.92 | 5.34 | 5.73 | 4.70 | 4.62 |
Cash per Share |
10.43 | 9.86 | 7.79 | 11.90 | 5.76 | 22.60 | 25.04 | 26.90 | 6.40 | 15.74 |
Shareholders Equity per Share |
53.02 | 45.14 | 41.26 | 35.45 | 45.15 | 41.59 | 37.51 | 34.15 | 31.21 | 30.19 |
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 |
53.02 | 45.14 | 41.26 | 35.45 | 45.15 | 41.59 | 37.51 | 34.15 | 31.21 | 30.19 |
Free Cash Flow |
45.63 | 26.64 | 30.71 | 34.95 | 35.30 | 28.42 | 25.98 | 27.71 | 22.56 | 22.01 |
Working Capital |
54.93 | (257.35) | (400.73) | (419.64) | (614.19) | (403.15) | (152.51) | (132.80) | (143.28) | (209.96) |
Capital Expenditures |
0.13 | (3.18) | (0.17) | (0.10) | (0.16) | (0.24) | (0.42) | (0.06) | (1.08) | (0.13) |
Net Current Asset Value |
(102.00) | (399.72) | (466.98) | (553.61) | (650.68) | (415.48) | (165.95) | (138.35) | (208.73) | (225.00) |
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 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 |
Price to Operating Income |
13.45 | 7.74 | 7.50 | 5.78 | 6.44 | 6.83 | 10.87 | 8.45 | 16.09 | 11.71 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.27 | 0.26 | 0.36 | 0.42 | 0.49 | 0.30 | 0.24 | 0.22 | 0.23 | 0.24 |
Cash ROIC |
10.38% | 7.10% | 11.50% | 10.87% | 13.76% | 9.11% | 8.42% | 9.26% | 9.22% | 9.47% |
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 |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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 |
18,144.31 | 16,351.04 | 22,962.45 | 116,425.14 | 230,106.18 | 186,506.40 | 90,781.58 | 140,626.44 | 174,582.07 | 138,464.49 |
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 |
2,333.78 | 2,413.16 | 2,378.33 | 2,241.33 | 2,096.60 | 1,804.96 | 1,570.69 | 1,518.34 | 1,461.89 | 1,428.32 |
Average Assets |
2,743.19 | 2,743.34 | 2,678.04 | 2,532.01 | 2,348.96 | 2,033.64 | 1,771.59 | 1,731.48 | 1,682.40 | 1,638.57 |
Average Common Equity |
235.01 | 205.28 | 180.81 | 188.92 | 205.58 | 191.16 | 173.83 | 157.42 | 146.78 | 140.50 |
Columns are period end dates · fundamentals updated 5 Nov 2026