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Chemung Financial (CHMG)

Profile

Full Name

Chemung Financial Corporation

Ticker Symbol

CHMG

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

January 4, 1999

Indexes

Not included

Website

http://www.chemungcanal.com

Employees

343

Key Details

Price

$47.78(-1.16%)

Market cap

$228.88M(Small cap)

Last Dividend

$0.32

TTM Dividend yield

2.62%

Annual revenue

$96.11M(-1.89% YoY)

Annual EPS

$4.96(-6.06% YoY)

PE ratio

10.08

Next earnings date

Jul 18, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $47.78
    CHMG price is $47.78

    30-Day Relative Volume

    0.85
    CHMG 30-day relative volume is 0.85

    Price Performance

    Price Most recent change

    -1.16%
    CHMG price was down -1.16% on May 14, 2025

    Price YTD change

    -2.11%
    CHMG price is down -2.11% since January 1st

    Price 1-year change

    +10.73%
    CHMG price is up +10.73% year-on-year

    Price 3-year change

    +5.01%
    CHMG price is up +5.01% over the past 3 years

    Price Range

    Price All-time high

    $56.83
    CHMG price is currently -15.92% below its historical high of $56.83

    Price 3-year low

    $33.72
    CHMG price is currently +41.70% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $228.88M
    CHMG market capitalization is $228.88 million

    Market cap 3-year change

    +7.62%
    CHMG market capitalization is up +7.62% over the past 3 years

    Market cap All-time high

    $262.20M
    CHMG market capitalization is currently -12.71% below its historical high of $262.20 million

    Market cap sector rank

    33.7%
    CHMG market capitalization is higher than 33.7% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.8%
    CHMG shares outstanding is up +0.8% year-on-year

    Shares Outstanding 3-Year Change

    +2.49%
    CHMG shares outstanding is up +2.49% over the past 3 years

    Technical Indicators

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    Beta

    0.67
    CHMG beta is 0.67

    200-day SMA

    $48.05
    CHMG price is currently -0.56% below its 200-day simple moving average

    50-day SMA

    $45.92
    CHMG price is currently +4.05% above its 50-day simple moving average

    RSI

    60.45
    CHMG 14-day relative strength index is 60.45

    Volume

    0.85
    CHMG 30-day relative volume is 0.85

    ATR

    $1.67
    CHMG average true range is $1.67

    10-day Historical Volatility

    31.30%
    CHMG 10-day historical volatility is 31.30%

    Dividend

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    Events

    Last Paid Dividend

    $0.32
    CHMG last dividend was $0.32 per share, with an ex-dividend date of March 18, 2025

    Next Dividend

    -
    CHMG next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $1.24
    CHMG annual dividend per share is $1.24

    Dividend per share Sector Rank

    64.86%
    CHMG annual dividend per share is higher than 64.86% of companies in Financial Services sector

    Dividend per share 1-Year Change

    0%
    CHMG {parameterFullLabel} has remained unchanged year-on-year

    Dividend per share 3-Year Change

    +4.2%
    CHMG annual dividend per share is up +4.2% over the past 3 years

    Dividend yield

    Dividend yield

    2.60%
    CHMG annual dividend yield is 2.60%

    Dividend yield Sector Rank

    25.4%
    CHMG annual dividend yield is higher than 25.4% of companies in Financial Services sector

    Other

    Payout ratio

    31.11%
    CHMG annual payout ratio is 31.11%

    Dividends paid

    $7.37M
    CHMG annual dividends paid is $7.37 million

    Free cash flow

    $26.19M
    CHMG annual free cash flow is $26.19 million

    Income Statement

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    Revenue

    Revenue

    $96.11M
    CHMG annual revenue is $96.11 million

    Revenue Analysts estimate

    $106.37M
    CHMG annual revenue is currently -9.65% lower than the consensus analysts' forecast

    Revenue 1-year change

    -1.89%
    CHMG annual revenue is down -1.89% year-on-year

    Revenue Sector rank

    45.02%
    CHMG annual revenue is higher than 45.02% of companies in Financial Services sector

    EPS

    EPS

    $4.96
    CHMG annual earnings per share is $4.96

    EPS Analysts estimate

    $5.42
    CHMG annual earnings per share is currently -8.49% lower than the consensus analysts' forecast

    EPS 1-year change

    -6.06%
    CHMG annual earnings per share is down -6.06% year-on-year

    EPS Sector rank

    82.64%
    CHMG annual earnings per share is higher than 82.64% of companies in Financial Services sector

    Profit

    Gross profit

    -
    CHMG annual gross profit value is unknown

    Gross margin

    -
    CHMG annual gross profit margin value is unknown

    Operating profit

    -
    CHMG annual operating income value is unknown

    Operating margin

    -
    CHMG annual operating profit margin value is unknown

    Net income

    $23.67M
    CHMG annual net profit is $23.67 million

    Net margin

    24.63%
    CHMG annual net profit margin is 24.63%

    Expenses

    Total expenses

    -
    CHMG annual total expenses value is unknown

    Operating expenses

    $39.84M
    CHMG annual total operating expenses is $39.84 million

    Cost of goods sold

    -
    CHMG annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $39.84M
    CHMG annual SGA is $39.84 million

    Depreciation and amortization

    $2.02M
    CHMG annual depreciation & amortization is $2.02 million

    Interest expense

    -
    CHMG annual interest expense value is unknown

    Income tax

    $6.41M
    CHMG annual income tax is $6.41 million

    EBIT & EBITDA

    EBIT

    $83.59M
    CHMG annual earnings before interest & taxes is $83.59 million

    EBITDA

    $85.61M
    CHMG annual EBITDA is $85.61 million

    Balance Sheet

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    Assets

    Total assets

    $2.78B
    CHMG annual total assets is $2.78 billion

    Non current assets

    $2.72B
    CHMG annual long term assets is $2.72 billion

    Current assets

    $578.48M
    CHMG annual total current assets is $578.48 million

    Cash and cash equivalents

    $47.03M
    CHMG annual cash & cash equivalents is $47.03 million

    Accounts receivable

    -
    CHMG annual accounts receivable value is unknown

    Inventory

    -
    CHMG annual inventory value is unknown

    Liabilities

    Total liabilities

    $2.56B
    CHMG annual total liabilities is $2.56 billion

    Long term liabilities

    $2.52B
    CHMG annual total long term liabilities is $2.52 billion

    Current liabilities

    $109.11M
    CHMG annual total current liabilities is $109.11 million

    Accounts payable

    -
    CHMG annual accounts payable value is unknown

    Debt

    Total debt

    $118.52M
    CHMG annual total debt is $118.52 million

    Total debt 1-year change

    +190.51%
    CHMG annual total debt is up +190.51% year-on-year

    Long term debt

    $9.41M
    CHMG annual long term debt is $9.41 million

    Short term debt

    $109.11M
    CHMG annual short term debt is $109.11 million

    Equity & Capital

    Shareholders equity

    $215.31M
    CHMG annual stockholders equity is $215.31 million

    Book value

    $215.31M
    CHMG annual book value is $215.31 million

    Retained earnings

    $247.71M
    CHMG annual retained earnings is $247.71 million

    Working capital

    $383.49M
    CHMG annual working capital is $383.49 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $29.82M
    CHMG annual cash flow from operations is $29.82 million

    Cash from operations 1-year change

    -3.45%
    CHMG annual cash flow from operations is down -3.45% year-on-year

    Cash from investing

    -$57.72M
    CHMG annual cash flow from investing activities is -$57.72 million

    Cash from investing 1-year change

    +29.93%
    CHMG annual cash flow from investing activities is up +29.93% year-on-year

    Cash from financing

    $38.10M
    CHMG annual cash flow from financing activities is $38.10 million

    Cash from financing 1-year change

    +17.3%
    CHMG annual cash flow from financing activities is up +17.3% year-on-year

    CAPEX

    CAPEX

    $3.63M
    CHMG annual capital expenditures is $3.63 million

    CAPEX 1-year change

    +684.85%
    CHMG annual capital expenditures is up +684.85% year-on-year

    Free Cash Flow

    Free cash flow

    $26.19M
    CHMG annual free cash flow is $26.19 million

    Free cash flow 1-year change

    -13.91%
    CHMG annual free cash flow is down -13.91% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    CHMG annual gross profit margin value is unknown

    Operating margin

    -
    CHMG annual operating profit margin value is unknown

    Net margin

    24.63%
    CHMG annual net profit margin is 24.63%

    ROA & ROE

    ROA

    0.86%
    CHMG annual return on assets is 0.86%

    ROE

    11.53%
    CHMG annual return on equity is 11.53%

    Valuation

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    PE Ratio

    PE ratio

    10.08
    CHMG price to earnings ratio is 10.08

    PE ratio Sector rank

    18.2%
    CHMG price to earnings ratio is higher than 18.2% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.00
    CHMG price to book ratio is 1.00

    PB ratio Sector rank

    39.01%
    CHMG price to book ratio is higher than 39.01% of companies in Financial Services sector

    PS Ratio

    PS ratio

    2.33
    CHMG price to sales ratio is 2.33

    PS ratio Sector rank

    34.38%
    CHMG price to sales ratio is higher than 34.38% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $269.66M
    CHMG enterprise value is $269.66 million

    Enterprise value Sector rank

    35.18%
    CHMG enterprise value is higher than 35.18% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    3.23
    CHMG EV/EBITDA is 3.23

    EV/EBITDA Sector rank

    40.72%
    CHMG EV/EBITDA is higher than 40.72% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    4.51
    CHMG annual current ratio is 4.51

    Quick ratio

    -
    CHMG annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.52
    CHMG annual debt to equity ratio is 0.52

    Interest coverage ratio

    -
    CHMG annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    CHMG piotroski f-score value is unknown

    Altman Z-Score

    0.48
    CHMG altman z-score is 0.48

    Analyst ratings

    Recent major analysts updates

    Apr 22, 25 Piper Sandler
    Neutral
    Apr 22, 25 Keefe, Bruyette & Woods
    Market Perform
    Dec 4, 24 Keefe, Bruyette & Woods
    Market Perform
    Apr 22, 24 Keefe, Bruyette & Woods
    Market Perform
    Apr 6, 23 Keefe, Bruyette & Woods
    Market Perform
    Jan 31, 23 Keefe, Bruyette & Woods
    Market Perform
    Oct 22, 20 DA Davidson
    Neutral
    Mar 9, 20 DA Davidson
    Buy
    Dec 20, 19 Keefe, Bruyette & Woods
    Market Perform
    Dec 20, 19 Keefe Bruyette & Woods
    Market Perform

    Institutional Ownership

    Screeners with CHMG included

    Growing Shares Outstanding
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    • What is the ticker symbol for Chemung Financial?
    • Does Chemung Financial pay dividends?
    • What sector is Chemung Financial in?
    • What industry is Chemung Financial in?
    • What country is Chemung Financial based in?
    • When did Chemung Financial go public?
    • Is Chemung Financial in the S&P 500?
    • Is Chemung Financial in the NASDAQ 100?
    • Is Chemung Financial in the Dow Jones?
    • When was Chemung Financial's last earnings report?
    • When does Chemung Financial report earnings?
    • Should I buy Chemung Financial stock now?

    What is the ticker symbol for Chemung Financial?

    The ticker symbol for Chemung Financial is NASDAQ:CHMG

    Does Chemung Financial pay dividends?

    Yes, Chemung Financial pays dividends. The last payment was $0.32, with an ex-dividend date on March 18, 2025

    What sector is Chemung Financial in?

    Chemung Financial is in the Financial Services sector

    What industry is Chemung Financial in?

    Chemung Financial is in the Banks - Regional industry

    What country is Chemung Financial based in?

    Chemung Financial is headquartered in United States

    When did Chemung Financial go public?

    Chemung Financial's initial public offering (IPO) was on January 4, 1999

    Is Chemung Financial in the S&P 500?

    No, Chemung Financial is not included in the S&P 500 index

    Is Chemung Financial in the NASDAQ 100?

    No, Chemung Financial is not included in the NASDAQ 100 index

    Is Chemung Financial in the Dow Jones?

    No, Chemung Financial is not included in the Dow Jones index

    When was Chemung Financial's last earnings report?

    Chemung Financial's most recent earnings report was on Apr 18, 2025

    When does Chemung Financial report earnings?

    The next expected earnings date for Chemung Financial is Jul 18, 2025

    Should I buy Chemung Financial stock now?

    As of today, analysts generally recommend a 'Buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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