Chemung Financial Statistics

Total Valuation

CHMG has a market cap or net worth of $238.17 million. The enterprise value is $217.33 million.

Market Cap	238.17M
Enterprise Value	217.33M

Important Dates

The next estimated earnings date is Thursday, January 23, 2025, after market close.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Dec 19, 2024

Share Statistics

CHMG has 4.76 million shares outstanding. The number of shares has increased by 1.09% in one year.

Current Share Class	4.76M
Shares Outstanding	4.76M
Shares Change (YoY)	+1.09%
Shares Change (QoQ)	+0.19%
Owned by Insiders (%)	19.12%
Owned by Institutions (%)	36.17%
Float	2.80M

Valuation Ratios

The trailing PE ratio is 11.06 and the forward PE ratio is 9.98.

PE Ratio	11.06
Forward PE	9.98
PS Ratio	2.55
Forward PS	2.28
PB Ratio	1.08
P/TBV Ratio	1.20
P/FCF Ratio	9.34
P/OCF Ratio	8.76
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	10.08
EV / Sales	2.32
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.53

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.11
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.04%.

Return on Equity (ROE)	11.04%
Return on Assets (ROA)	0.79%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$275,746
Profits Per Employee	$63,596
Employee Count	339
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CHMG has paid $5.67 million in taxes.

Income Tax	5.67M
Effective Tax Rate	20.81%

Stock Price Statistics

The stock price has increased by +2.04% in the last 52 weeks. The beta is 0.19, so CHMG's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+2.04%
50-Day Moving Average	50.54
200-Day Moving Average	46.06
Relative Strength Index (RSI)	38.22
Average Volume (20 Days)	18,221

Short Selling Information

The latest short interest is 12,163, so 0.26% of the outstanding shares have been sold short.

Short Interest	12,163
Short Previous Month	12,229
Short % of Shares Out	0.26%
Short % of Float	0.43%
Short Ratio (days to cover)	0.84

Income Statement

In the last 12 months, CHMG had revenue of $93.48 million and earned $21.56 million in profits. Earnings per share was $4.53.

Revenue	93.48M
Gross Profit	93.48M
Operating Income	29.41M
Pretax Income	29.70M
Net Income	21.56M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.53

Full Income Statement

Balance Sheet

The company has $100.16 million in cash and $79.32 million in debt, giving a net cash position of $20.84 million or $4.38 per share.

Cash & Cash Equivalents	100.16M
Total Debt	79.32M
Net Cash	20.84M
Net Cash Per Share	$4.38
Equity (Book Value)	220.65M
Book Value Per Share	46.39
Working Capital	-2.38B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $27.20 million and capital expenditures -$1.71 million, giving a free cash flow of $25.49 million.

Operating Cash Flow	27.20M
Capital Expenditures	-1.71M
Free Cash Flow	25.49M
FCF Per Share	$5.36

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	31.46%
Pretax Margin	29.12%
Profit Margin	23.06%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	27.27%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 2.48%.

Dividend Per Share	$1.24
Dividend Yield	2.48%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	27.39%
Buyback Yield	-1.09%
Shareholder Yield	1.38%
Earnings Yield	9.05%
FCF Yield	10.70%

Dividend Details

Analyst Forecast

The average price target for CHMG is $58.50, which is 16.88% higher than the current price. The consensus rating is "Hold".

Price Target	$58.50
Price Target Difference	16.88%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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