Chemung Financial (CHMG)
NASDAQ:CHMG
CHMG Stock Chart & Stats
$59.17
-$1.20(-2.59%)
At close: 4:00 PM EST
$59.17
-$1.20(-2.59%)
Day’s Range― - ―
52-Week Range$40.95 - $65.50
Previous CloseN/A
Volume6.00
Average Volume (3M)8.71K
Market Cap
$282.65M
Enterprise Value$266.45M
Total Cash (Recent Filing)$303.37M
Total Debt (Recent Filing)$4.94M
Price to Earnings (P/E)17.8
Beta0.44
Next Earnings
Apr 16, 2026EPS Estimate
1.63Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)1.61
Shares Outstanding4,818,467
10 Day Avg. Volume6,565
30 Day Avg. Volume8,708
Financial Highlights & Ratios
PEG Ratio-0.48
Price to Book (P/B)1.05
Price to Sales (P/S)1.92
P/FCF Ratio6.08
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue1.90
Enterprise Value/Gross Profit2.97
Enterprise Value/Ebitda11.79
Forecast
1Y Price Target
$64.00Price Target Upside8.16% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)6.93
Revenue Forecast (FY)$122.06M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetExtremely low leverage and rising equity provide durable loss-absorption capacity and funding flexibility for a community bank. A conservative balance sheet supports lending through cycles, preserves capital ratios, and reduces the likelihood of regulatory capital pressure over the next several quarters.
Loan Growth And Portfolio RepositioningShifting assets from low-yield securities into higher-yielding loans, coupled with above-market commercial loan growth, is a structural driver of sustainable net interest income. This rebalancing supports margins and core earnings over months as the loan book re-prices and funds earn higher yields.
Proactive Capital Actions And Dividend PolicyIssuing subordinated debt to strengthen capital while continuing dividend distributions indicates disciplined capital management. This provides a firmer capital base for growth and cushions interim losses, supporting durable capacity to return capital without destabilizing balance-sheet ratios.
Bears Say
Severe Cash Flow DeteriorationA dramatic drop in operating and free cash flow materially weakens cash conversion and short-term financial flexibility. Over the medium term this raises risks around funding loan growth, sustaining dividends, and meeting unexpected credit losses without relying on capital markets or asset sales.
Profitability And ROE CompressionSustained declines in revenue, margins, and return on equity indicate reduced efficiency in converting capital to profits. If margins and ROE remain compressed, the bank’s ability to generate internal capital for growth and to justify dividend levels may be impaired over the next several quarters.
Charter Conversion Regulatory UncertaintyA conversion to a national charter is a structural shift that carries regulatory, compliance and operational transition risks. Approval uncertainty, potential new regulatory constraints, and execution costs could disrupt strategy and raise near-term execution risk while benefits are realized only if approved.
Chemung Financial News
CHMG FAQ
What was Chemung Financial’s price range in the past 12 months?
Chemung Financial lowest stock price was $40.95 and its highest was $65.50 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $282.65M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Apr 16, 2026 which is tomorrow.
How were Chemung Financial’s earnings last quarter?
Chemung Financial released its earnings results on Feb 02, 2026. The company reported $1.61 earnings per share for the quarter, missing the consensus estimate of $1.615 by -$0.005.
Is Chemung Financial overvalued?
According to Wall Street analysts Chemung Financial’s price is currently Undervalued.
Does Chemung Financial pay dividends?
Chemung Financial pays a Quarterly dividend of $0.34 which represents an annual dividend yield of 2.4%. See more information on Chemung Financial dividends here
What is Chemung Financial’s EPS estimate?
Chemung Financial’s EPS estimate is 1.63.
How many shares outstanding does Chemung Financial have?
Chemung Financial has 4,818,467 shares outstanding.
What happened to Chemung Financial’s price movement after its last earnings report?
Chemung Financial reported an EPS of $1.61 in its last earnings report, missing expectations of $1.615. Following the earnings report the stock price went down -1.068%.
Which hedge fund is a major shareholder of Chemung Financial?
Currently, no hedge funds are holding shares in CHMG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Chemung Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$64.00 (8.16% Upside)
$64.00 (8.16% Upside)
Insider Transactions
Sold Shares
Worth $220.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.84%
12-Months-Change
Fundamentals
Return on Equity
6.27%
Trailing 12-Months
Asset Growth
-2.37%
Trailing 12-Months
Company Description
Chemung Financial
Chemung Financial Corporation operates as the 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 accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
CHMG Stock 12 Month Forecast
Average Price Target
$64.00
▲(8.16% Upside)
Technical Analysis
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Ownership Overview
12.53% Insiders
11.90% Mutual Funds
11.99% Other Institutional Investors
54.29% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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