Chemung Financial Corporation (CHMG)

Chemung Financial Statistics

Total Valuation

CHMG has a market cap or net worth of $224.26 million. The enterprise value is $299.14 million.

Market Cap	224.26M
Enterprise Value	299.14M

Important Dates

The next estimated earnings date is Thursday, April 17, 2025, after market close.

Earnings Date	Apr 17, 2025
Ex-Dividend Date	Mar 18, 2025

Share Statistics

CHMG has 4.79 million shares outstanding. The number of shares has increased by 1.03% in one year.

Current Share Class	4.79M
Shares Outstanding	4.79M
Shares Change (YoY)	+1.03%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	19.57%
Owned by Institutions (%)	43.15%
Float	3.14M

Valuation Ratios

The trailing PE ratio is 9.59 and the forward PE ratio is 8.90.

PE Ratio	9.59
Forward PE	8.90
PS Ratio	2.33
Forward PS	2.05
PB Ratio	1.05
P/TBV Ratio	1.17
P/FCF Ratio	8.63
P/OCF Ratio	7.58
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.64
EV / Sales	3.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	11.42

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.44
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.53%.

Return on Equity (ROE)	11.53%
Return on Assets (ROA)	0.86%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$283,776
Profits Per Employee	$69,012
Employee Count	343
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CHMG has paid $6.41 million in taxes.

Income Tax	6.41M
Effective Tax Rate	21.32%

Stock Price Statistics

The stock price has increased by +10.43% in the last 52 weeks. The beta is 0.15, so CHMG's price volatility has been lower than the market average.

Beta (5Y)	0.15
52-Week Price Change	+10.43%
50-Day Moving Average	49.53
200-Day Moving Average	48.29
Relative Strength Index (RSI)	40.26
Average Volume (20 Days)	23,596

Short Selling Information

The latest short interest is 14,260, so 0.30% of the outstanding shares have been sold short.

Short Interest	14,260
Short Previous Month	14,386
Short % of Shares Out	0.30%
Short % of Float	0.45%
Short Ratio (days to cover)	0.58

Income Statement

In the last 12 months, CHMG had revenue of $97.34 million and earned $23.67 million in profits. Earnings per share was $4.96.

Revenue	97.34M
Gross Profit	97.34M
Operating Income	32.36M
Pretax Income	29.70M
Net Income	23.67M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.96

Balance Sheet

The company has $69.26 million in cash and $142.37 million in debt, giving a net cash position of -$73.11 million or -$15.27 per share.

Cash & Cash Equivalents	69.26M
Total Debt	142.37M
Net Cash	-73.11M
Net Cash Per Share	-$15.27
Equity (Book Value)	215.31M
Book Value Per Share	45.29
Working Capital	-2.45B

Cash Flow

In the last 12 months, operating cash flow was $29.82 million and capital expenditures -$3.63 million, giving a free cash flow of $26.19 million.

Operating Cash Flow	29.82M
Capital Expenditures	-3.63M
Free Cash Flow	26.19M
FCF Per Share	$5.47

Margins

Gross Margin	n/a
Operating Margin	33.25%
Pretax Margin	30.91%
Profit Margin	24.32%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	26.91%

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 2.69%.

Dividend Per Share	$1.28
Dividend Yield	2.69%
Dividend Growth (YoY)	0.81%
Years of Dividend Growth	n/a
Payout Ratio	25.79%
Buyback Yield	-1.03%
Shareholder Yield	1.66%
Earnings Yield	10.47%
FCF Yield	11.59%

Analyst Forecast

The average price target for CHMG is $58.50, which is 24.92% higher than the current price. The consensus rating is "Hold".

Price Target	$58.50
Price Target Difference	24.92%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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