Chemung Financial Statistics
Total Valuation
CHMG has a market cap or net worth of $328.40 million. The enterprise value is $407.83 million.
Important Dates
The next estimated earnings date is Thursday, July 16, 2026, after market close.
| Earnings Date | Jul 16, 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 (%) | 20.13% |
| Owned by Institutions (%) | 40.62% |
| Float | 3.51M |
Valuation Ratios
The trailing PE ratio is 18.22 and the forward PE ratio is 9.63.
| PE Ratio | 18.22 |
| Forward PE | 9.63 |
| PS Ratio | 3.48 |
| Forward PS | 2.60 |
| PB Ratio | 1.26 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 7.24 |
| P/OCF Ratio | 7.02 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 22.31 |
| EV / Sales | 4.28 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.89 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.17 |
| 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) | 5.29% |
| 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
The stock price has increased by +47.96% in the last 52 weeks. The beta is 0.61, so CHMG's price volatility has been lower than the market average.
| Beta (5Y) | 0.61 |
| 52-Week Price Change | +47.96% |
| 50-Day Moving Average | 61.57 |
| 200-Day Moving Average | 56.15 |
| Relative Strength Index (RSI) | 65.33 |
| Average Volume (20 Days) | 38,904 |
Short Selling Information
The latest short interest is 24,898, so 0.52% of the outstanding shares have been sold short.
| Short Interest | 24,898 |
| Short Previous Month | 24,158 |
| Short % of Shares Out | 0.52% |
| Short % of Float | 0.71% |
| Short Ratio (days to cover) | 2.25 |
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 |
Full Income StatementBalance Sheet
The company has $70.04 million in cash and $145.60 million in debt, with a net cash position of -$75.56 million or -$15.68 per share.
| Cash & Cash Equivalents | 70.04M |
| Total Debt | 145.60M |
| Net Cash | -75.56M |
| Net Cash Per Share | -$15.68 |
| Equity (Book Value) | 262.93M |
| Book Value Per Share | 54.56 |
| Working Capital | -2.35B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $47.36 million and capital expenditures -$1.49 million, giving a free cash flow of $45.87 million.
| Operating Cash Flow | 47.36M |
| Capital Expenditures | -1.49M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 35.37M |
| Free Cash Flow | 45.87M |
| FCF Per Share | $9.52 |
Full Cash Flow StatementMargins
| 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 | 48.10% |
Dividends & Yields
This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 1.97%.
| Dividend Per Share | $1.36 |
| Dividend Yield | 1.97% |
| Dividend Growth (YoY) | 7.20% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 35.28% |
| Buyback Yield | -0.75% |
| Shareholder Yield | 1.22% |
| Earnings Yield | 5.50% |
| FCF Yield | 13.80% |
Dividend DetailsAnalyst Forecast
The average price target for CHMG is $70.25, which is 3.10% higher than the current price. The consensus rating is "Buy".
| Price Target | $70.25 |
| Price Target Difference | 3.10% |
| Analyst Consensus | Buy |
| 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 | 4 |
