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Chemung Financial Corporation CHMG
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 43.96
-0.87 %
$ 211 M
Market Cap
8.5
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one CHMG stock under the worst case scenario is HIDDEN Compared to the current market price of 44 USD, Chemung Financial Corporation is HIDDEN

CHMG Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one CHMG stock under the base case scenario is HIDDEN Compared to the current market price of 44 USD, Chemung Financial Corporation is HIDDEN

CHMG Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one CHMG stock under the best case scenario is HIDDEN Compared to the current market price of 44 USD, Chemung Financial Corporation is HIDDEN

CHMG Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CHMG

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1M -8%
6M -6%
1Y 4%
3Y 2%
5Y 94%
All
$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
96.1 M REVENUE
0.38%
Growth Rates
1Year 0.38%
3Years 2.82%
5Years 3.76%
7Years 3.26%
10Years 2.44%
-85.6 M OPERATING INCOME
-271.76%
Growth Rates
1Year -271.76%
3Years -52.34%
5Years -40.60%
7Years -25.81%
10Years -15.43%
23.7 M NET INCOME
-5.32%
Growth Rates
1Year -5.32%
3Years -3.60%
5Years 8.68%
7Years 18.00%
10Years 11.24%
29.8 M OPERATING CASH FLOW
-3.45%
Growth Rates
1Year -3.45%
3Years -5.62%
5Years 2.46%
7Years 3.37%
10Years 4.92%
-57.7 M INVESTING CASH FLOW
29.93%
Growth Rates
1Year 29.93%
3Years 38.02%
5Years -12.03%
7Years 8.40%
10Years 2.07%
38.1 M FINANCING CASH FLOW
17.30%
Growth Rates
1Year 17.30%
3Years -32.79%
5Years 88.22%
7Years -0.54%
10Years 2.33%
32.6 M REVENUE
0.73%
Growth Rates
1Year 0.38%
3Years 2.82%
5Years 3.76%
7Years 3.26%
10Years 2.44%
32.4 M OPERATING INCOME
312.41%
Growth Rates
1Year -271.76%
3Years -52.34%
5Years -40.60%
7Years -25.81%
10Years -15.43%
5.91 M NET INCOME
3.39%
Growth Rates
1Year -5.32%
3Years -3.60%
5Years 8.68%
7Years 18.00%
10Years 11.24%
6.24 M OPERATING CASH FLOW
150.32%
Growth Rates
1Year -3.45%
3Years -5.62%
5Years 2.46%
7Years 3.37%
10Years 4.92%
-42.9 M INVESTING CASH FLOW
-3455.80%
Growth Rates
1Year 29.93%
3Years 38.02%
5Years -12.03%
7Years 8.40%
10Years 2.07%
3.24 M FINANCING CASH FLOW
42.80%
Growth Rates
1Year 17.30%
3Years -32.79%
5Years 88.22%
7Years -0.54%
10Years 2.33%
Balance Sheet Chemung Financial Corporation
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Current Assets 592 M
Cash & Short-Term Investments 592 M
Receivables 0
Other Current Assets 0
Non-Current Assets 21.8 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 21.8 M
96.44 %3.56 %Total Assets$613.5m
Current Liabilities 109 M
Accounts Payable 0
Short-Term Debt 109 M
Other Current Liabilities 0
Non-Current Liabilities 9.41 M
Long-Term Debt 9.41 M
Other Non-Current Liabilities 0
92.06 %7.94 %Total Liabilities$118.5m
EFFICIENCY
Earnings Waterfall Chemung Financial Corporation
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Revenue 96.1 M
Cost Of Revenue 0
Gross Profit 96.1 M
Operating Expenses 96.1 M
Operating Income -85.6 M
Other Expenses -109 M
Net Income 23.7 M
100m100m80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)(60m)(60m)(80m)(80m)(100m)(100m)96m096m(96m)(86m)109m24mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 96.32%
-89.07% OPERATING MARGIN
-89.07%
Averages
1Year -89.07%
3Years -3.16%
5Years 11.50%
7Years 16.41%
10Years 20.09%
24.63% NET MARGIN
24.63%
Averages
1Year 24.63%
3Years 27.05%
5Years 26.86%
7Years 25.37%
10Years 21.82%
10.99% ROE
10.99%
Averages
1Year 10.99%
3Years 13.70%
5Years 12.65%
7Years 11.95%
10Years 10.43%
0.85% ROA
0.85%
Averages
1Year 0.85%
3Years 0.95%
5Years 0.96%
7Years 0.97%
10Years 0.86%
-10.98% ROIC
-10.98%
Averages
1Year -10.98%
3Years -2.60%
5Years -0.94%
7Years 0.10%
10Years 0.31%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Chemung Financial Corporation
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40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 23.7 M
Depreciation & Amortization 2.02 M
Capital Expenditures -3.63 M
Stock-Based Compensation 21 K
Change in Working Capital 2.61 M
Others 2.5 M
Free Cash Flow 26.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Chemung Financial Corporation
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CHMG has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.63% DIVIDEND YIELD
0.32 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.260.260.260.260.260.260.260.310.310.310.320.260.260.260.260.260.260.310.310.310.310.260.260.260.260.260.260.310.310.310.310.261.040.261.040.261.040.261.040.261.040.261.040.311.190.311.240.311.240.311.240.322015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Chemung Financial Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
51.2 K USD 1
6-9 MONTHS
33.9 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
28 K USD 1
3-6 MONTHS
22 K USD 1
6-9 MONTHS
6.54 K USD 1
9-12 MONTHS
7. News
Chemung Financial Corporation Reports First Quarter 2025 Net Income of $6.0 million, or $1.26 per share ELMIRA, N.Y., April 18, 2025 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the “Bank”), today reported net income of $6.0 million, or $1.26 per share, for the first quarter of 2025, compared to $5.9 million, or $1.24 per share, for the fourth quarter of 2024, and $7.1 million, or $1.48 per share, for the first quarter of 2024. globenewswire.com - 2 weeks ago
Why Chemung Financial (CHMG) is Poised to Beat Earnings Estimates Again Chemung Financial (CHMG) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 3 weeks ago
Chemung Financial (CHMG) Expected to Beat Earnings Estimates: Can the Stock Move Higher? Chemung Financial (CHMG) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago
Chemung Financial (CHMG) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Chemung Financial (CHMG) have what it takes? zacks.com - 1 month ago
Is Chemung Financial Corp (CHMG) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Chemung Financial Corporation Announces Dividend Increase ELMIRA, N.Y., Feb. 19, 2025 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (Nasdaq: CHMG) announced today that its Board of Directors has approved a dividend increase of $0.01 per share, equal to a quarterly cash dividend of $0.32 per share, payable on April 1, 2025, to common stock shareholders of record as of the close of business on March 18, 2025. This represents a dividend increase of 3.2%. globenewswire.com - 2 months ago
Chemung Financial (CHMG) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Chemung Financial (CHMG) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
Chemung Financial (CHMG) Tops Q4 Earnings and Revenue Estimates Chemung Financial (CHMG) came out with quarterly earnings of $1.24 per share, beating the Zacks Consensus Estimate of $1.23 per share. This compares to earnings of $0.81 per share a year ago. zacks.com - 3 months ago
Chemung Financial Corporation Reports Annual Net Income of $23.7 million, or $4.96 per share, and Fourth Quarter 2024 Net Income of $5.9 million, or $1.24 per share ELMIRA, N.Y., Jan. 28, 2025 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the “Bank”), today reported net income of $23.7 million, or $4.96 per share, for the year ended December 31, 2024, compared to $25.0 million, or $5.28 per share, for the year ended December 31, 2023. Net income was $5.9 million, or $1.24 per share, for the fourth quarter of 2024, compared to $5.7 million, or $1.19 per share, for the third quarter of 2024, and $3.8 million, or $0.80 per share, for the fourth quarter of 2023. globenewswire.com - 3 months ago
Chemung Financial (CHMG) Earnings Expected to Grow: What to Know Ahead of Q4 Release Chemung Financial (CHMG) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 months ago
Should Value Investors Buy Chemung Financial Corp (CHMG) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 4 months ago
Are Investors Undervaluing Chemung Financial Corp (CHMG) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 4 months ago
8. Profile Summary

Chemung Financial Corporation CHMG

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 211 M
Dividend Yield 0.63%
Description 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.
Contact One Chemung Canal Plaza, Elmira, NY, 14901 https://www.chemungcanal.com
IPO Date Jan. 4, 1999
Employees 343
Officers Mr. Daniel D. Fariello President of Capital Bank Division Ms. Monica L. Ridosh Senior Vice President, Director of HR & Chief Diversity Officer Ms. Kathleen S. McKillip Vice President & Corporate Secretary Mr. Loren Dale Cole Executive Vice President & Chief Information Officer Mr. Scott T. Heffner Senior Vice President & Director of Marketing Mr. Thomas W. Wirth C.F.A. Executive Vice President of Wealth Management Group at Chemung Canal Trust Company Ms. Catherine Beth Crandall CFP®, CTFA, J.D. Senior Vice President of WMG Estate Administration Mr. Dale M. McKim III Executive Vice President, Chief Financial Officer & Treasurer Mr. Anders M. Tomson President, Chief Executive Officer & Director Mr. Peter K. Cosgrove EVice President, Chief Credit Officer & Chief Risk Officer