Stock Evaluator: Chemung Financial Corporation (CHMG)

Chemung Financial Corporation CHMG

$81.49 0.38 0.47%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 57,198
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.

Commentary & Analysis


Financial Summary

Share Statistics CHMG Industry
Median
Percentile
(All Stocks)
Market Cap (Mil) $394.2 $716.9 35%
Shares Out (Mil) 4.8 15.7 14%
Institutional Ownership 65.5% 83.0% 41%
Float (Mil) 3.2 21.2 8%
Beta 0.60 0.48 34%
Avg Daily Volume (000s) 73 53 32%
Price Change
(52-week)
55.5% 96.7% 82%
Growth CHMG Industry
Median
Percentile
(All Stocks)
Sales (5yr) 2.6% 7.6% 25%
Net Income (5yr) (4.8%) 11.1% 34%
EPS (5yr) (4.7%) 10.1% 25
Dividends (5yr) 4.9% 3.6% 84%
Cash Flow (5yr) 17.4% (17.0%) 77%
Estimates Qtrly Current
Fiscal
Year
Next
Fiscal
Year
# of Estimates 2 2 2
Current EPS $1.905 $7.565 $7.950
Month Ago EPS $1.800 $7.150 $7.530
# Rev Up 1 1 1
# Rev Down 1 0 1
Three Months Ago EPS $1.800 $7.150 $7.530
Year/Year Chg (0.1%) 140.6% na
Financials CHMG Industry
Median
Percentile
(All Stocks)
Sales (TTM) (Mil) $95 $190 26%
Net Income (TTM) (Mil) $18 $51 49%
EPS (TTM) $3.798 $2.500 82%
Operating Cash Flow (TTM) (Mil) $47 $34 46%
Net Cash Flow (TTM) (Mil) $-0 $1 43%
Long-Term Debt (Q1) (Mil) $52 $100 39%
Enterprise Value (Q1) (Mil) na $0 na
Valuation CHMG Industry
Median
Percentile
(All Stocks)
P/B 1.49 1.27 39%
P/E 21.5 12.9 54%
Dividend Yield 1.7% 2.2% 74%
PEG (5yr hist) na 1.1 na
Ratios CHMG Industry
Median
Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 28.7% 28.9% 87%
ROA 0.7% 1.0% 43%
ROE 7.4% 11.1% 50%
Liabilities to Assets 90.4% 89.8% 86%
F-Score 3 4 19%

Chemung Financial Corporation did not pass any screens on 7/31/2026.

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors