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CHMG NASDAQ US

Chemung Financial Corp - Common Stock

Financials · Banking Website · IPO Mar 1994
$53.57
▼ $-0.10 (-0.19%)
Vol 3K
11
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$267.5M
P/E
20.1
ROE
5.8%
Margin
28.2%
D/E
19.38
Beta
0.49
Div Yield
2.44%
52W
$41–$61

Wall Street Consensus

6 analysts · Apr 2026
0
Strong Buy
0
Buy
3
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating

Price Chart

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Earnings

Beat rate: 25.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $1.65 $1.61 $-0.04
Sep 2025 $1.64 $1.62 $-0.02
Jun 2025 $1.34 $1.31 $-0.03
Mar 2025 $1.22 $1.26 +$0.04

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue $24.0M $25.5M $25.4M $9.8M $28.5M —
Net Income $5.7M $5.9M $6.0M -$6.5M $7.8M —

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 5.0% 5.0% 5.0% 5.0% 5.8% 5.8%
P/E (TTM) 20.81 21.87 22.50 21.66 19.10 20.15
Net Margin — 28.2% 28.2% 28.2% 28.2% 28.2%
Gross Margin — — — — — —
D/E Ratio 20.33 20.33 20.33 20.33 19.38 19.38
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
0.5%
P/S (TTM)
2.15
P/B
1.1
EPS (TTM)
$2.77
CF/Share
$6.50
Rev Growth 3Y
+6.8%
52W High
$60.80
52W Low
$40.71
$40.71 52-Week Range $60.80

Financial Health

Free Cash Flow
$11.8M
Net Debt
-$55.0M
Cash
$107.6M
Total Debt
$52.7M
As of Sep 30, 2025

How does CHMG compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

CHMG ACNB AFBI AMAL AROW

CHMG valuation vs Banking peers

P/E ratio
20.2
▲ 60% above peers (12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.2
▼ 7% below peers (2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.1
▲ 3% above peers (1.1)
vs Peers
vs Industry
Fair value
Div yield
2.4%
▼ 18% below peers (3.0%)
vs Peers
vs Industry
Low yield

CHMG profitability vs Banking peers

ROE
5.8%
▼ 36% below peers (9.0%)
vs Peers
vs Industry
Weak
Net margin
28.2%
▼ 1% below peers (28.6%)
vs Peers
vs Industry
In line
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.5%
▼ 49% below peers (1.0%)
vs Peers
vs Industry
Weak

CHMG financial health vs Banking peers

D/E ratio
19.4
▲ 40% above peers (13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.5
▼ 28% below peers (0.7)
vs Peers
vs Industry
More volatile

CHMG fundamentals radar

CHMG Peer median Industry

CHMG profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

CHMG vs peers: key metrics

Related Signals

Bounce Up
$50.76 1.50x Oct 13

Insider Activity

Neutral
Buys
0
Sells
0
DALRYMPLE ROBERT H
Director · Feb 26
2833 shs
TOMSON ANDERS
Chief Executive Officer · Feb 17
4221 shs
KENEFICK JEFFREY PATRICK
Officer · Feb 17
1368 shs
HAZELTON KIMBERLY A.
Officer · Feb 17
1056 shs
FARIELLO DANIEL D
Officer · Feb 17
1267 shs
COLE LOREN D
Chief Technology Officer · Feb 17
1182 shs
COSGROVE PETER K
Officer · Feb 17
1267 shs
STEMPIN JOHN J
Officer · Feb 17
127 shs
MCKIM DALE M. III
Chief Financial Officer · Feb 17
1773 shs
CUTRONA VINCENT M
Officer · Feb 17
1267 shs
Last 90 days

Top Holders

Top 5: 24.69%
Blackrock Inc.
7.65%
$19.7M
Chemung Canal Trust Company
5.94%
$15.3M
Vanguard Group Inc
4.48%
$11.6M
Dimensional Fund Advisors LP
3.73%
$9.6M
Manufacturers Life Insuranc…
2.89%
$7.5M
As of Dec 31, 2025

Dividends

$1.34
/ year
Mar 18, 2026 $0.3400
Dec 19, 2025 $0.3400
Sep 17, 2025 $0.3400
Jun 17, 2025 $0.3200
Mar 18, 2025 $0.3200
Dec 19, 2024 $0.3100
Sep 19, 2024 $0.3100
Jun 17, 2024 $0.3100

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