Chemung Financial Corporation (CHMG)

Chemung Financial Statistics

Total Valuation

CHMG has a market cap or net worth of $244.24 million. The enterprise value is $184.80 million.

Market Cap	244.24M
Enterprise Value	184.80M

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 0.69% in one year.

Current Share Class	4.79M
Shares Outstanding	4.79M
Shares Change (YoY)	+0.69%
Shares Change (QoQ)	+1.58%
Owned by Insiders (%)	20.06%
Owned by Institutions (%)	45.17%
Float	3.14M

Valuation Ratios

The trailing PE ratio is 18.41 and the forward PE ratio is 7.39.

PE Ratio	18.41
Forward PE	7.39
PS Ratio	2.81
Forward PS	1.97
PB Ratio	0.99
P/TBV Ratio	1.07
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.92
EV / Sales	2.13
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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	$38,708
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 increased by +6.15% in the last 52 weeks. The beta is 0.39, so CHMG's price volatility has been lower than the market average.

Beta (5Y)	0.39
52-Week Price Change	+6.15%
50-Day Moving Average	52.33
200-Day Moving Average	49.48
Relative Strength Index (RSI)	41.71
Average Volume (20 Days)	5,780

Short Selling Information

The latest short interest is 29,734, so 0.62% of the outstanding shares have been sold short.

Short Interest	29,734
Short Previous Month	28,201
Short % of Shares Out	0.62%
Short % of Float	0.95%
Short Ratio (days to cover)	3.30

Income Statement

In the last 12 months, CHMG had revenue of $86.61 million and earned $13.28 million in profits. Earnings per share was $2.77.

Revenue	86.61M
Gross Profit	86.61M
Operating Income	18.24M
Pretax Income	16.45M
Net Income	13.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.77

Balance Sheet

The company has $107.65 million in cash and $52.66 million in debt, giving a net cash position of $54.99 million or $11.48 per share.

Cash & Cash Equivalents	107.65M
Total Debt	52.66M
Net Cash	54.99M
Net Cash Per Share	$11.48
Equity (Book Value)	245.31M
Book Value Per Share	50.98
Working Capital	-2.21B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

Dividends & Yields

This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 2.67%.

Dividend Per Share	$1.36
Dividend Yield	2.67%
Dividend Growth (YoY)	4.03%
Years of Dividend Growth	n/a
Payout Ratio	46.59%
Buyback Yield	-0.69%
Shareholder Yield	2.01%
Earnings Yield	5.54%
FCF Yield	n/a

Analyst Forecast

The average price target for CHMG is $56.33, which is 10.49% higher than the current price. The consensus rating is "Hold".

Price Target	$56.33
Price Target Difference	10.49%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2