Chemung Financial Corporation

Chemung Financial Corporation

CHMGยทNASDAQ

$67.52

-2.5%
Financial ServicesBanks - Regional

Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

At a Glance

Live Snapshot
Market Cap$325.43M
EPS3.1300
P/E Ratio21.57
Earnings Date07/16/2026
0.63%
Dividend Yield
4%
3Y-15.0%
5Y+2.0%
10Y-28.0%
17.83%
Dividend Payout Ratio
-15%
3Y-11.0%
5Y-4.0%
10Y-76.0%
3Y+12.0%
5Y+33.0%
10Y+34.0%
Chemung Financial Corporation

Chemung Financial Corporation Dividend History

CHMG ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

CHMG Dividend Payment History

CHMG ยท NASDAQ

Total Payments

50

Latest Dividend

$0.3400

Annual Amount

$1.6800

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
May 21, 2026
Jun 17, 2026Jul 1, 2026
$0.3400
$0.3400
Quarterly0.00%
Feb 17, 2026
Mar 18, 2026Apr 1, 2026
$0.3400
$0.3400
Quarterly0.00%
Nov 18, 2025
Dec 19, 2025Jan 2, 2026
$0.3400
$0.3400
Quarterly0.00%
Aug 19, 2025
Sep 17, 2025Oct 1, 2025
$0.3400
$0.3400
Quarterly+6.25%
May 22, 2025
Jun 17, 2025Jul 1, 2025
$0.3200
$0.3200
Quarterly0.00%
Feb 19, 2025
Mar 18, 2025Apr 1, 2025
$0.3200
$0.3200
Quarterly+3.23%
Nov 19, 2024
Dec 19, 2024Jan 2, 2025
$0.3100
$0.3100
Quarterly0.00%
Aug 21, 2024
Sep 19, 2024Oct 1, 2024
$0.3100
$0.3100
Quarterly0.00%
May 21, 2024
Jun 17, 2024Jul 1, 2024
$0.3100
$0.3100
Quarterly0.00%
Feb 21, 2024
Mar 18, 2024Apr 1, 2024
$0.3100
$0.3100
Quarterly0.00%
Nov 15, 2023
Dec 19, 2023Jan 2, 2024
$0.3100
$0.3100
Quarterly0.00%
Aug 16, 2023
Sep 18, 2023Oct 2, 2023
$0.3100
$0.3100
Quarterly0.00%
May 18, 2023
Jun 20, 2023Jul 3, 2023
$0.3100
$0.3100
Quarterly0.00%
Feb 15, 2023
Mar 20, 2023Apr 3, 2023
$0.3100
$0.3100
Quarterly0.00%
Nov 16, 2022
Dec 20, 2022Jan 3, 2023
$0.3100
$0.3100
Quarterly0.00%
Aug 17, 2022
Sep 19, 2022Oct 3, 2022
$0.3100
$0.3100
Quarterly0.00%
May 18, 2022
Jun 17, 2022Jul 1, 2022
$0.3100
$0.3100
Quarterly0.00%
Feb 16, 2022
Mar 18, 2022Apr 1, 2022
$0.3100
$0.3100
Quarterly0.00%
Nov 19, 2021
Dec 20, 2021Jan 3, 2022
$0.3100
$0.3100
Quarterly0.00%
Aug 20, 2021
Sep 17, 2021Oct 1, 2021
$0.3100
$0.3100
Quarterly0.00%
May 20, 2021
Jun 17, 2021Jul 1, 2021
$0.3100
$0.3100
Quarterly+19.23%
Feb 16, 2021
Mar 18, 2021Apr 1, 2021
$0.2600
$0.2600
Quarterly0.00%
Nov 19, 2020
Dec 21, 2020Jan 4, 2021
$0.2600
$0.2600
Quarterly0.00%
Aug 20, 2020
Sep 17, 2020Oct 1, 2020
$0.2600
$0.2600
Quarterly0.00%
May 20, 2020
Jun 17, 2020Jul 1, 2020
$0.2600
$0.2600
Quarterly0.00%
Feb 20, 2020
Mar 18, 2020Apr 1, 2020
$0.2600
$0.2600
Quarterly0.00%
Dec 13, 2019
Dec 23, 2019Jan 2, 2020
$0.2600
$0.2600
Quarterly0.00%
Aug 21, 2019
Sep 17, 2019Oct 1, 2019
$0.2600
$0.2600
Quarterly0.00%
May 15, 2019
Jun 17, 2019Jul 1, 2019
$0.2600
$0.2600
Quarterly0.00%
Feb 20, 2019
Mar 18, 2019Apr 1, 2019
$0.2600
$0.2600
Quarterly0.00%
Nov 14, 2018
Dec 19, 2018Jan 2, 2019
$0.2600
$0.2600
Quarterly0.00%
Aug 15, 2018
Sep 17, 2018Oct 1, 2018
$0.2600
$0.2600
Quarterly0.00%
May 16, 2018
Jun 18, 2018Jul 2, 2018
$0.2600
$0.2600
Quarterly0.00%
Feb 22, 2018
Mar 19, 2018Apr 2, 2018
$0.2600
$0.2600
Quarterly0.00%
Nov 15, 2017
Dec 19, 2017Jan 2, 2018
$0.2600
$0.2600
Quarterly0.00%
Aug 16, 2017
Sep 18, 2017Oct 2, 2017
$0.2600
$0.2600
Quarterly0.00%
May 19, 2017
Jun 19, 2017Jul 3, 2017
$0.2600
$0.2600
Quarterly0.00%
Feb 17, 2017
Mar 20, 2017Apr 3, 2017
$0.2600
$0.2600
Quarterly0.00%
Nov 17, 2016
Dec 20, 2016Jan 3, 2017
$0.2600
$0.2600
Quarterly0.00%
Aug 19, 2016
Sep 19, 2016Oct 3, 2016
$0.2600
$0.2600
Quarterly0.00%
May 20, 2016
Jun 17, 2016Jul 1, 2016
$0.2600
$0.2600
Quarterly0.00%
Feb 19, 2016
Mar 18, 2016Apr 1, 2016
$0.2600
$0.2600
Quarterly0.00%
Nov 20, 2015
Dec 18, 2015Jan 4, 2016
$0.2600
$0.2600
Quarterly0.00%
Aug 21, 2015
Sep 17, 2015Oct 1, 2015
$0.2600
$0.2600
Quarterly0.00%
May 22, 2015
Jun 17, 2015Jul 1, 2015
$0.2600
$0.2600
Quarterly0.00%
Mar 2, 2015
Mar 17, 2015Apr 1, 2015
$0.2600
$0.2600
Quarterly0.00%
Nov 25, 2014
Dec 19, 2014Jan 2, 2015
$0.2600
$0.2600
Quarterly0.00%
Aug 25, 2014
Sep 17, 2014Oct 1, 2014
$0.2600
$0.2600
Quarterly0.00%
May 23, 2014
Jun 17, 2014Jul 1, 2014
$0.2600
$0.2600
Quarterly0.00%
Feb 28, 2014
Mar 17, 2014Apr 1, 2014
$0.2600
$0.2600
Quarterly-
chmg

Chemung Financial Corporation Payout Ratio Analysis

CHMG ยท NASDAQ
Dividends Paid
-6.33M
2025
Net Income
15.10M
2025
Payout Ratio
41.88%
2025

Dividend Sustainability Analysis

Payout Ratio
41.88%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
14.3%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
+14.1%

Strong dividend growth demonstrates management confidence and business strength. Excellent signal for long-term dividend investors.

Sustainability
Excellent

Highly sustainable dividend with strong coverage, growing payouts, and solid cash generation. Low risk of dividend cuts.

Key Insight

Dividend aristocrat potential: Conservative payout ratios combined with consistent growth suggest management prioritizes sustainable, long-term shareholder returns. Excellent foundation for dividend compounding.