Chemung Financial outlines strategy ahead of Q1 2026 meetings

Chemung Financial ( (CHMG) ) has issued an announcement.

Chemung Financial Corporation detailed to investors its strategy and recent performance as it prepared for first-quarter 2026 meetings with institutional investors, highlighting a revitalized balance sheet, strong credit metrics and expansion plans in higher-growth New York markets. For 2025, the community bank reported net income of $15.1 million, non-GAAP net income of $27.9 million, annual loan growth of 9.6% driven by 14.3% commercial loan growth, and steady asset quality, while quarterly net interest margin widened to 3.61% and returns on assets and equity improved, supported by a June 2025 balance sheet restructuring that replaced roughly $245 million of low-yield securities with higher-yielding loans and reduced wholesale funding, alongside a $45 million subordinated debt issuance to bolster capital ratios and underpin future earnings and dividend growth.

The most recent analyst rating on (CHMG) stock is a Buy with a $67.00 price target. To see the full list of analyst forecasts on Chemung Financial stock, see the CHMG Stock Forecast page.

Spark’s Take on CHMG Stock

According to Spark, TipRanks’ AI Analyst, CHMG is a Outperform.

Chemung Financial’s overall stock score is driven by its solid financial performance and strong technical indicators. The company’s strategic initiatives and dividend policy further enhance its market positioning. While the valuation is moderate, the stock’s upward momentum and effective cash flow management make it an attractive investment in the regional banking sector.

To see Spark’s full report on CHMG stock, click here.

More about Chemung Financial

Chemung Financial Corporation is the oldest locally owned and managed community bank in New York State, tracing its roots to 1833. Through its subsidiary Chemung Canal Trust Company, it operates 30 branches across 14 counties in New York and Pennsylvania, doing business as Capital Bank in Albany and Canal Bank in Buffalo, and complementing its community banking franchise with a trust and wealth management division overseeing $2.3 billion in assets under management or administration. Listed on the Nasdaq Global Select Market under the ticker CHMG, the Elmira-based lender focuses on stable legacy markets in the Southern Tier and Finger Lakes while targeting growth in the higher-potential Albany and Buffalo regions, leveraging lower-cost deposits to fund loan expansion and cross-selling wealth management services to affluent clients.

Average Trading Volume: 7,951

Technical Sentiment Signal: Buy

Current Market Cap: $291.4M

See more insights into CHMG stock on TipRanks’ Stock Analysis page.