Chemung Financial Corporation

CHMG | NASDAQ

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$82.38

-$0.59 (-0.71%)

At close: Sep 21, 2026, 4:00 PM ET

$82

-$0.38 (-0.46%)

Pre-market: Sep 22, 2026, 4:36 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $397.06M

Enterprise Value $510.44M

Beta 0.59

Average Volume 53.44K

Shares Outstanding (Diluted) 4.83M

Shares Change YoY 0.46%

Institutional Ownership 46.24%

Exchange NASDAQ

ISIN US1640241014

Price Performance

Price Change 1M 0.0%

Price Change 3M 11.9%

Price Change 6M 54.6%

Price Change YTD 51.2%

Price Change 1Y 55.5%

Price Change 3Y 108.6%

Price Change 5Y 86.7%

1M CAGR (ann.) 1.8%

1Y CAGR (ann.) 56.4%

5Y CAGR (ann.) 15.9%

All-Time CAGR 8.3%

Valuation

PE Ratio 11.87

Forward PE 10.02

PEG Ratio 0.06

Forward PEG 1.62

PS Ratio 2.87

Forward PS 3.00

PB Ratio 1.47

P/FCF Ratio 8.66

P/Adj. FCF Ratio 9.04

P/OCF Ratio 8.49

EV/Sales 3.68

EV/EBIT 24.24

EV/EBITDA 22.03

EV/FCF 11.13

Earnings Yield 8.4%

FCF Yield 11.6%

Adj. FCF Yield 11.1%

Financial Health

Net Debt $107.94M

Total Debt $142.37M

Cash & Short-Term Investments $28.99M

Total Assets $2.82B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.53

Debt / EBITDA 6.14

Debt / FCF 3.10

OCF / Debt 0.33

Interest Coverage 0.50

Altman Z-Score -0.73

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 67.5%

Operating Profit Margin 15.2%

EBITDA Margin 16.7%

Net Profit Margin 24.2%

FCF Margin 33.1%

Adj. FCF Margin 31.7%

SBC / Revenue 0.9%

SBC Impact (per share) -4.3%

Returns

Return on Assets 1.2%

Return on Equity 13.0%

Return on Invested Capital 3.5%

Return on Capital Employed 5.7%

Return on Tangible Assets 1.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.0%

Revenue CAGR 5Y 9.0%

Revenue CAGR 10Y 6.3%

EPS CAGR 3Y 6.0%

EPS CAGR 5Y 6.2%

EPS CAGR 10Y 13.0%

FCF CAGR 3Y 5.5%

FCF CAGR 5Y 9.1%

FCF CAGR 10Y 11.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 7

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 19, 2026

EPS Estimate (next Q) $1.94

EPS Growth Est (next Q) 19.8%

Revenue Est (next Q) $31.74M

Revenue Growth Est (next Q) 11.3%

Fair Value Estimates

Graham Number $93.49

Graham Upside 13.5%

Lynch Fair Value $42.96

Lynch Upside -47.9%

Price Target $87

Price Target Upside 5.6%

Cash Flow

Operating Cash Flow $47.36M

Free Cash Flow $45.87M

Adj. Free Cash Flow $43.91M

FCF Per Share $9.40

OCF Per Share $9.70

OCF/S Ratio 33.8%

Income Statement

Revenue $138.56M

Gross Profit $93.59M

Operating Income $21.06M

EBITDA $23.17M

Net Income $33.54M

EPS (Diluted) $6.94

Revenue / Employee $398.17K

Profit / Employee $96.39K

Employees 348

Dividends

Annual Dividend $1.38

Dividend Yield 1.68%

Payout Ratio 19.9%

FCF Payout Ratio 14.0%

Adj. FCF Payout Ratio 14.7%

Dividend Growth (YoY) 7.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 16, 2026