CHMG

Chemung Financial Corp
NASDAQFINANCIAL SERVICESBANKS - REGIONAL

Key Statistics

Market Cap
$395.18M
P/E Ratio
11.78
EPS
$6.96
Beta
0.60
52W High
$83.50
52W Low
$47.48
50-Day MA
$72.46
200-Day MA
$60.53
Dividend Yield
1.69%
Profit Margin
28.70%
Forward P/E
9.29
PEG Ratio
0.00

About Chemung Financial Corp

Chemung Financial Corporation is the holding company of Chemung Canal Trust Company providing a range of banking, finance, trust and other financial services. The company is headquartered in Elmira, New York.

Official WebsiteUSAFY End: December

Fundamentals

Revenue (TTM)$117.01M
Gross Profit (TTM)$117.01M
EBITDA
Operating Margin37.90%
Return on Equity13.30%
Return on Assets1.18%
Revenue/Share (TTM)$24.28
Book Value$54.56
Price-to-Book1.44
Price-to-Sales (TTM)3.38
EV/Revenue4.457
EV/EBITDA
Quarterly Earnings Growth (YoY)51.70%
Quarterly Revenue Growth (YoY)241.70%
Shares Outstanding$4.82M
Float$3.23M
% Insiders18.00%
% Institutions46.82%

Historical Volatility

HV 10-Day
49.48%
HV 20-Day
38.17%
HV 30-Day
34.21%
HV 60-Day
28.74%
HV Rank
82.5%

Volatility is currently expanding

Analyst Ratings

Consensus ($83.50 target)
1
Buy
1
Hold

Latest News

Chemung Financial: Completely Flying Under The Radar, But Attractive

Chemung Financial (CHMG) delivered robust Q2 results, with net interest income up 18.6% and EPS of $1.82, reversing last year's loss. CHMG's dividend payout ratio remains below 20%, supporting strong balance sheet growth and a well-covered yield. The loan book is heavily weighted to commercial real estate, but delinquencies are minimal and most loans are well-collateralized.

Seeking Alpha7/27/2026Positive
Chemung Financial Corporation: Turnaround Confirmed

Chemung Financial Corporation is rated Buy due to strong commercial loan growth and balance sheet restructuring, driving a 54% share price increase over the past year. CHMG's net interest margin reached a six-year high at 3.67%, with 67% of interest-bearing assets now in higher-yielding commercial loans, supported by Western NY tech buildout. The stock trades at an 8% discount to the sector median and a 14% discount to close peers, despite projected EPS growth 11% above the sector median.

Seeking Alpha7/27/2026Positive
Chemung Financial Corporation Reports Second Quarter 2026 Net Income of $8.8 million, or $1.82 per share

ELMIRA, N.Y., July 22, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the “Bank”), today reported net income of $8.8 million, or $1.82 per share, for the second quarter of 2026, compared to net income of $9.2 million, or $1.91 per share, for the first quarter of 2026, and a net loss of $6.5 million, or $1.35 per share, for the second quarter of 2025.

GlobeNewsWire7/22/2026Neutral
Chemung Financial Corporation Announces Quarterly Dividend

ELMIRA, N.Y., May 21, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (Nasdaq: CHMG) announced today that its Board of Directors has approved a quarterly cash dividend of $0.34 per share, payable on July 1, 2026, to common stock shareholders of record as of the close of business on June 17, 2026.

GlobeNewsWire5/21/2026Neutral
Chemung Financial (CHMG) Beats Q1 Earnings Estimates

Chemung Financial (CHMG) came out with quarterly earnings of $1.91 per share, beating the Zacks Consensus Estimate of $1.63 per share. This compares to earnings of $1.26 per share a year ago.

Zacks Investment Research4/17/2026Positive

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Data last updated: 7/29/2026