Chemung Financial Statistics
Total Valuation
CHMG has a market cap or net worth of $247.34 million. The enterprise value is $192.44 million.
Important Dates
The last earnings date was Tuesday, October 21, 2025, after market close.
| Earnings Date | Oct 21, 2025 |
| Ex-Dividend Date | Sep 17, 2025 |
Share Statistics
CHMG has 4.79 million shares outstanding. The number of shares has increased by 1.64% in one year.
| Current Share Class | 4.79M |
| Shares Outstanding | 4.79M |
| Shares Change (YoY) | +1.64% |
| Shares Change (QoQ) | +0.08% |
| Owned by Insiders (%) | 20.05% |
| Owned by Institutions (%) | 46.05% |
| Float | 3.14M |
Valuation Ratios
The trailing PE ratio is 18.44 and the forward PE ratio is 7.48.
| PE Ratio | 18.44 |
| Forward PE | 7.48 |
| PS Ratio | 2.85 |
| Forward PS | 2.03 |
| PB Ratio | 1.01 |
| P/TBV Ratio | 1.11 |
| P/FCF Ratio | 7.64 |
| P/OCF Ratio | 6.99 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.35 |
| EV / Sales | 2.22 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 5.94 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.18 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.70%.
| Return on Equity (ROE) | 5.70% |
| Return on Assets (ROA) | 0.49% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $252,507 |
| Profits Per Employee | $39,090 |
| Employee Count | 343 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CHMG has paid $3.17 million in taxes.
| Income Tax | 3.17M |
| Effective Tax Rate | 19.27% |
Stock Price Statistics
The stock price has decreased by -1.29% in the last 52 weeks. The beta is 0.50, so CHMG's price volatility has been lower than the market average.
| Beta (5Y) | 0.50 |
| 52-Week Price Change | -1.29% |
| 50-Day Moving Average | 51.95 |
| 200-Day Moving Average | 49.62 |
| Relative Strength Index (RSI) | 50.84 |
| Average Volume (20 Days) | 5,685 |
Short Selling Information
The latest short interest is 27,272, so 0.57% of the outstanding shares have been sold short.
| Short Interest | 27,272 |
| Short Previous Month | 29,734 |
| Short % of Shares Out | 0.57% |
| Short % of Float | 0.87% |
| Short Ratio (days to cover) | 4.47 |
Income Statement
In the last 12 months, CHMG had revenue of $86.61 million and earned $13.41 million in profits. Earnings per share was $2.80.
| Revenue | 86.61M |
| Gross Profit | 86.61M |
| Operating Income | 18.24M |
| Pretax Income | 16.45M |
| Net Income | 13.41M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.80 |
Full Income StatementBalance Sheet
The company has $125.61 million in cash and $70.71 million in debt, giving a net cash position of $54.90 million or $11.45 per share.
| Cash & Cash Equivalents | 125.61M |
| Total Debt | 70.71M |
| Net Cash | 54.90M |
| Net Cash Per Share | $11.45 |
| Equity (Book Value) | 245.31M |
| Book Value Per Share | 51.16 |
| Working Capital | -2.30B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $35.40 million and capital expenditures -$3.01 million, giving a free cash flow of $32.39 million.
| Operating Cash Flow | 35.40M |
| Capital Expenditures | -3.01M |
| Free Cash Flow | 32.39M |
| FCF Per Share | $6.76 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 21.06% |
| Pretax Margin | 18.99% |
| Profit Margin | 15.33% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 37.40% |
Dividends & Yields
This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 2.64%.
| Dividend Per Share | $1.36 |
| Dividend Yield | 2.64% |
| Dividend Growth (YoY) | 4.03% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 46.11% |
| Buyback Yield | -1.64% |
| Shareholder Yield | 1.02% |
| Earnings Yield | 5.42% |
| FCF Yield | 13.10% |
Dividend DetailsAnalyst Forecast
The average price target for CHMG is $56.33, which is 10.19% higher than the current price. The consensus rating is "Hold".
| Price Target | $56.33 |
| Price Target Difference | 10.19% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on June 3, 1998. It was a forward split with a ratio of 2:1.
| Last Split Date | Jun 3, 1998 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
