CHMG - Intrinsic Value and Financial Analysis - Chemung Financial Corporation

Chemung Financial Corporation CHMG

Financial Services - Banks - Regional - NASDAQ - US

Watchlist

$ 51.55

0.194 %

$ 245 M

Market Cap

11.4

P/E

BALANCE SHEET

2.71 B ASSETS

Growth Rates

1Year 2.46%

3Years 5.94%

5Years 9.08%

7Years 7.28%

10Years 6.27%

2.52 B LIABILITIES

Growth Rates

1Year 1.46%

3Years 6.54%

5Years 9.60%

7Years 7.53%

10Years 6.52%

195 M EQUITY

Growth Rates

1Year 17.34%

3Years -0.75%

5Years 3.42%

7Years 4.47%

10Years 3.49%

BALANCE SHEET DECOMPOSITION

Balance Sheet Decomposition Chemung Financial Corporation

2.71 B ASSETS
2.52 B LIABILITIES

Current Assets	630 M
Cash & Short-Term Investments	630 M
Receivables	0
Other Current Assets	0
Non-Current Assets	86.1 M
Long-Term Investments	44 M
PP&E	20.2 M
Other Non-Current Assets	21.8 M

Current Liabilities	0
Accounts Payable	0
Short-Term Debt	33.2 M
Other Current Liabilities	-33.2 M
Non-Current Liabilities	2.52 B
Long-Term Debt	8.88 M
Other Non-Current Liabilities	2.51 B

Balance Sheet

Millions

	Dec-2023	Dec-2022	Dec-2021	Dec-2020	Dec-2019	Dec-2018	Dec-2017	Dec-2016	Dec-2015	Dec-2014	Dec-2013	Dec-2012	Dec-2011	Dec-2010	Dec-2009	Dec-2008	Dec-2007	Dec-2006	Dec-2005	Dec-2004	Dec-2003	Dec-2002	Dec-2001	Dec-2000	Dec-1999	Dec-1998	Dec-1997	Dec-1996	Dec-1995	Dec-1994	Dec-1993
ASSETS
Cash & Cash Equivalents	36.8	55.9	27.0	108.5	121.9	130.0	30.7	74.2	26.2	29.2	51.6	40.2	52.9	60.6	79.7	23.7	29.4	26.6	25.6	22.8	25.7	30.1	30.4	28.2	32.1	28.8	34.4	31.8	37.3	32.4	30.1
Short Term Investments	593.3	632.6	792.0	554.6	284.1	242.3	293.6	303.4	344.8	280.5	346.0	239.7	280 869.8	223 545.0	230 983.6	191 254.9	165 321.1	184 829.6	238 335.5	249 330.5	282 920.3	257 153.7	0	0	0	0	0	0	0	0	0
Receivables	0	89.5	43.8	43.1	33.5	31.6	27.1	27.0	25.5	32.5	22.4	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	8.0	4.9
Inventory	0	(64.7)	(33.1)	(115.0)	(127.1)	(135.0)	(2.0)	(2.9)	(2.8)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Assets	0	0	0	0	0	0	1 006.3	890.0	818.3	836.3	645.0	670.0	820.9	627.7	612.5	575.0	559.3	495.7	424.0	417.8	404.4	434.6	681.0	(4 405.7)	603.4	578.5	497.5	483.3	446.3	436.9	0
Total Current Assets	630.2	777.9	862.8	706.2	439.5	403.8	1 358.7	1 294.6	1 214.7	1 178.5	1 065.0	949.9	873.8	688.3	692.3	598.7	588.7	522.3	449.5	440.6	430.1	464.6	711.4	(4 377.5)	635.5	607.3	531.9	515.1	483.6	477.2	35.1
PP&E	20.2	22.6	25.5	27.3	30.4	25.0	26.7	28.9	29.4	32.3	30.0	25.5	24.8	24.2	24.9	24.9	23.2	21.7	18.7	17.2	17.5	17.5	14.8	13.6	12.1	10.1	10.2	9.7	10.3	8.5	7.2
Intangible Assets	0	0	15 K	0.3	0.7	1.4	2.1	2.9	3.9	5.1	6.4	5.1	6.2	4.7	5.4	6 204.5	5 629.8	961.2	1 358.9	1 756.6	2 154.3	2 552.0	13.7	0	0	0	0	0	0	0	0
Goodwill	21.8	21.8	21.8	21.8	21.8	21.8	21.8	21.8	21.8	21.8	21.8	21.8	22.0	9.9	10.2	8 806.8	1 516.7	1 516.7	1 516.7	1 516.7	1 516.7	1 516.7	(9.2)	0	0	0	0	0	0	0	0
Long Term Investments	44.0	637.8	798.8	559.6	289.4	249.0	298.4	308.9	350.1	286.9	352.9	245.8	289.5	231.3	243.1	199.7	169.8	191.7	246.9	261.5	296.0	265.0	246.3	229.3	236.0	242.0	194.5	195.7	179.5	204.0	137.1
Other Long Term Assets	(86.1)	(682.2)	(846.1)	(609.0)	(342.4)	(297.2)	23.0	24.5	1 540.0	1 437.6	779	105	0	0	0	15.0	7.1	2.5	2.9	3.3	3.7	4.1	(1.1)	5 040.1	5.6	6.2	6.8	7.4	8.0	8.6	(144.3)
Other Assets	1 994.3	1 185.4	709.8	964.2	1 005.9	1 054.3	2.9	0	38 K	(7.5)	453	292	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	218.8
Total Assets	2 710.5	2 645.6	2 418.8	2 279.5	1 787.8	1 755.3	1 710.6	1 657.2	1 619.9	1 517.0	1 476.1	1 248.2	1 216.3	958.3	975.9	838.3	788.9	738.2	718.0	722.5	747.2	751.2	725.1	676.2	653.2	623.7	548.9	532.2	501.9	494.3	398.1
LIABILITIES
Accounts Payable	0	18.0	15.1	30.9	20.9	16.8	16.1	15.7	16.8	26.9	12.2	12.4	0.8	0.8	1.1	1.3	1.3	1.3	1.1	1.1	1.1	1.5	2.1	2.1	1.6	0	0	0	0	0	0
Short Term Debt	33.2	95.8	14.6	0	0	0	57.7	0	13.9	30.8	0	0	0	0	0	0	62.4	7.9	20.8	5.0	0	40.8	37.6	8.4	0	0	0	0	0	0	0
Other Current Liabilities	(15.1)	(113.8)	(29.7)	(60.4)	(40.5)	(33.2)	(73.8)	(6.3)	(30.7)	(57.8)	(12.2)	(12.4)	(0.8)	(0.8)	536.2	(1.3)	(63.7)	(9.2)	(21.9)	(6.1)	(1.1)	(42.2)	(39.7)	(10.5)	(1.6)	0	0	0	0	0	0
Total Current Liabilities	0	142.0	40.6	30.9	20.9	16.8	72.6	15.7	30.7	57.8	15.1	0.5	0.8	0.8	1.1	1.3	63.7	9.2	21.9	6.1	1.1	42.2	39.7	10.5	1.6	0	0	0	0	0	0
Long Term Debt	8.9	9.9	11.0	11.1	12.2	4.3	64.2	13.8	22.1	22.3	25.2	27.2	43.3	20.0	20.0	20.0	20.0	20.0	20.0	20.0	25.0	0	0	25.0	0	26.9	16.3	10.0	0	0	0
Deferred Tax Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	2 506.4	(9.9)	2 196.0	2 068.6	1 593.0	1 586.0	1 493.6	1 499.6	1 460.6	1 368.6	1 312.3	(27.2)	(43.3)	(20.0)	328.5	(20.0)	(20.0)	(20.0)	(20.0)	(20.0)	(25.0)	0	0	(25.0)	0	(26.9)	(16.3)	(10.0)	0	0	0
Total Liabilities	2 515.3	2 479.2	2 207.3	2 079.8	1 605.2	1 590.3	1 557.8	1 513.4	1 482.7	1 383.0	1 337.6	1 117.0	1 090.3	860.9	885.8	755.3	700.8	656.4	636.9	640.3	667.2	671.7	645.9	601.9	587.9	557.6	487.3	478.0	449.0	448.6	359.8
EQUITY
Common Stock	53 K	53 K	53 K	53 K	53 K	53 K	53 K	53 K	53 K	53 K	53 K	53 K	53.1 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	43 K	10.8	2.2	10.8	10.8	9.8
Retained Earnings	229.9	211.9	188.9	168.0	153.7	143.1	131.4	124.1	119.0	114.8	111.0	107.1	100.6	94.4	87.8	85.9	81.0	76.6	73.2	70.1	64.8	61.2	58.3	53.3	48.1	42.8	38.2	33.9	29.9	26.4	23.5
Other Accumulative Comprehensive Income/Loss	(66.0)	(75.3)	(6.5)	2.4	(5.8)	(11.4)	(10.3)	(10.8)	(10.9)	(8.8)	0.2	(2.8)	(1.4)	0.1	(0.6)	(5.2)	4.4	1.9	2.7	5.0	5.8	7.6	5.2	3.6	(0.3)	5.4	4.6	3.3	3.7	0	0
Total Equity	195.2	166.4	211.5	199.7	182.6	165.0	152.7	143.7	137.2	134.0	138.6	131.1	125.9	97.4	90.1	83.0	88.1	81.8	81.2	82.2	80.0	79.4	79.2	74.3	65.3	66.1	61.6	54.2	52.9	45.7	38.3
Total Liabilities and Equity	2 710.5	2 645.6	2 418.8	2 279.5	1 787.8	1 755.3	1 710.6	1 657.2	1 619.9	1 517.0	1 476.1	1 248.2	1 216.3	958.3	975.9	838.3	788.9	738.2	718.0	722.5	747.2	751.2	725.1	676.2	653.2	623.7	548.9	532.2	501.9	494.3	398.1
SHARES OUTSTANDING
Common Shares Outstanding	4.7	4.7	4.7	4.8	4.9	4.8	4.8	4.8	4.7	4.7	4.7	4.6	4.4	3.6	3.6	3.6	3.6	3.6	3.7	3.8	3.8	3.9	4.1	4.1	4.1	4.1	4.1	4.2	4.2	3.8	3.8

Balance Sheet

Premium Plan

Unlimited Plan