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CHEMUNG FINANCIAL CORP

Data quality: 83%
CHMG
Nasdaq Financial Services Depository Institutions
$59.05
▲ $0.70 (1.19%)
Mkt Cap: 284.51 M
Price
$59.05
Mkt Cap
284.51 M
Day Range
$56.00 — $59.07
52-Week Range
$40.71 — $65.50
Volume
4,859
Open $56.00
50D / 200D Avg
$56.87
3.83% above
50D / 200D Avg
$53.64
10.08% above

Quick Summary

Key Takeaways

Earnings declined -36.19% over the past year
Generating 43.81 M in free cash flow
Cash machine — converts 290.07% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-36.19%
FCF Growth (3Y)20.01%

Quality

Return on Equity
6.29%
Below sector avg (10.70%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
18.84
Above sector avg (12.63)
P/B Ratio1.16
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 18.8 12.6
P/B 1.2 1.4
ROE % 6.3 10.7
Net Margin % — 14.8
Rev Growth 5Y % — 6.4
D/E — 0.5

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.13% weight
DGRS logo DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund
0.10% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.08% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.03% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.03% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.01% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.01% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -36.19% Earnings Growth (3Y) -22.27%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -13.05%
Profitability
Revenue (TTM) N/A Net Income (TTM) 15.10 M
ROE 6.29% ROA 0.54%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 43.81 M
ROIC N/A FCF Growth (3Y) 20.01%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 223.48 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 18.84 Forward P/E N/A
P/B Ratio 1.16 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 15.40%
Market Cap 284.51 M Enterprise Value 176.86 M
Per Share
EPS (Diluted TTM) 3.14 Revenue / Share N/A
FCF / Share 9.09 OCF / Share 9.44
EPS CAGR (1Y) -36.69% EPS CAGR (5Y) -13.62%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 290.07%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 15.10 M 23.67 M 25.00 M 28.78 M 26.43 M
EPS (Diluted) 3.14 4.96 5.28 6.13 5.64
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 87.16 M 74.06 M 38.62 M 7.30 M 3.42 M
Income Tax 4.83 M 6.41 M 6.50 M 8.11 M 7.34 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.71 B 2.78 B 2.71 B 2.65 B 2.42 B
Total Liabilities 2.46 B 2.56 B 2.52 B 2.48 B 2.21 B
Shareholders' Equity 254.71 M 215.31 M 195.24 M 166.39 M 211.46 M
Total Debt — — — — —
Cash & Equivalents 50.10 M 47.04 M 36.85 M 55.87 M 26.98 M
Current Assets — — — — —
Current Liabilities — — — — —