Chemung Financial Corporation (CHMG)

Chemung Financial Statistics

Total Valuation

CHMG has a market cap or net worth of $319.56 million. The enterprise value is $396.10 million.

Market Cap	319.56M
Enterprise Value	396.10M

Important Dates

The last earnings date was Friday, April 17, 2026, before market open.

Earnings Date	Apr 17, 2026
Ex-Dividend Date	Mar 18, 2026

Share Statistics

CHMG has 4.82 million shares outstanding. The number of shares has increased by 0.75% in one year.

Current Share Class	4.82M
Shares Outstanding	4.82M
Shares Change (YoY)	+0.75%
Shares Change (QoQ)	+0.29%
Owned by Insiders (%)	20.16%
Owned by Institutions (%)	40.12%
Float	3.51M

Valuation Ratios

The trailing PE ratio is 17.47 and the forward PE ratio is 9.23.

PE Ratio	17.47
Forward PE	9.23
PS Ratio	3.36
Forward PS	2.52
PB Ratio	1.22
P/TBV Ratio	1.33
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	21.67
EV / Sales	4.15
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 7.44%.

Return on Equity (ROE)	7.44%
Return on Assets (ROA)	0.66%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.85%
Revenue Per Employee	$274,006
Profits Per Employee	$52,529
Employee Count	348
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CHMG has paid $5.81 million in taxes.

Income Tax	5.81M
Effective Tax Rate	24.12%

Stock Price Statistics

Beta (5Y)	0.46
52-Week Price Change	n/a
50-Day Moving Average	56.86
200-Day Moving Average	54.31
Relative Strength Index (RSI)	73.10
Average Volume (20 Days)	7,864

Short Selling Information

The latest short interest is 28,471, so 0.59% of the outstanding shares have been sold short.

Short Interest	28,471
Short Previous Month	26,538
Short % of Shares Out	0.59%
Short % of Float	0.81%
Short Ratio (days to cover)	4.52

Income Statement

In the last 12 months, CHMG had revenue of $95.35 million and earned $18.28 million in profits. Earnings per share was $3.80.

Revenue	95.35M
Gross Profit	95.35M
Operating Income	25.50M
Pretax Income	24.09M
Net Income	18.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.80

Balance Sheet

The company has $53.37 million in cash and $128.80 million in debt, with a net cash position of -$75.43 million or -$15.65 per share.

Cash & Cash Equivalents	53.37M
Total Debt	128.80M
Net Cash	-75.43M
Net Cash Per Share	-$15.65
Equity (Book Value)	262.93M
Book Value Per Share	54.36
Working Capital	-2.30B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	26.75%
Pretax Margin	25.26%
Profit Margin	19.17%
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 2.05%.

Dividend Per Share	$1.36
Dividend Yield	2.05%
Dividend Growth (YoY)	7.20%
Years of Dividend Growth	1
Payout Ratio	35.28%
Buyback Yield	-0.75%
Shareholder Yield	1.30%
Earnings Yield	5.70%
FCF Yield	n/a

Analyst Forecast

The average price target for CHMG is $57.00, which is -14.05% lower than the current price. The consensus rating is "Hold".

Price Target	$57.00
Price Target Difference	-14.05%
Analyst Consensus	Hold
Analyst Count	2
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