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CHMG Stock Chart & Stats
$62.82
-$1.20(-2.59%)
At close: 4:00 PM EST
$62.82
-$1.20(-2.59%)
Day’s Range― - ―
52-Week Range$48.61 - $76.68
Previous CloseN/A
Volume6.00
Average Volume (3M)8.71K
Market Cap
$352.71M
Enterprise Value$439.71M
Total Cash (Recent Filing)$303.00M
Total Debt (Recent Filing)$128.80M
Price to Earnings (P/E)19.8
Beta0.56
Next Earnings
Jul 16, 2026EPS Estimate
1.77Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)3.80
Shares Outstanding4,819,820
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 Ratio6.13
Enterprise Value/Market Cap1.25
Enterprise Value/Revenue3.09
Enterprise Value/Gross Profit4.64
Enterprise Value/Ebitda16.41
Forecast
1Y Price Target
$72.00Price Target Upside14.61% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)7.15
Revenue Forecast (FY)$123.94M
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent, high free cash flow that closely tracks net income supports durable internal funding for dividends, loan growth, technology and selective M&A. Strong FCF reduces reliance on external financing and provides flexibility through interest-rate and credit cycles, aiding long-term resilience.
Diversified Business MixA diversified regional footprint plus a sizable wealth management business generates fee income and cross-sell opportunities, lowering revenue concentration risk. This mix helps stabilize revenue across economic cycles and complements interest income, improving structural revenue durability over months to years.
Balance-sheet Restructuring And Capital ActionsManagement replaced low-yield securities, reduced wholesale funding and issued $45M subordinated debt, improving capital ratios and funding diversification. These structural changes can sustain net interest margin improvement and bolster capacity for organic growth or small acquisitions over the medium term.
Bears Say
Uneven Revenue And MarginsChoppy top-line trends and meaningful margin compression versus peak years undermine earnings predictability. Persistently uneven revenue or declining margins can limit reinvestment, constrain long-term ROE improvement and make capital planning and dividend sustainability harder to forecast.
Debt And Funding VolatilityMaterial swings in reported debt indicate inconsistent funding strategy and raise refinancing and liquidity planning risk. Persistent volatility in borrowings can increase interest-cost unpredictability, complicate asset-liability management and restrict steady credit or balance-sheet expansion.
Earnings Growth WeaknessA significant decline in EPS growth erodes retained earnings and constrains capital accumulation over time. Sustained negative EPS trends, even with decent cash flow, reduce flexibility for strategic initiatives and weaken the long-term case for higher returns to shareholders.
CHMG FAQ
What was Chemung Financial’s price range in the past 12 months?
Chemung Financial lowest stock price was $48.61 and its highest was $76.68 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $352.71M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Jul 16, 2026 which is in 6 days.
How were Chemung Financial’s earnings last quarter?
Chemung Financial released its earnings results on Apr 17, 2026. The company reported $1.91 earnings per share for the quarter, beating the consensus estimate of $1.625 by $0.285.
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 1.77.
How many shares outstanding does Chemung Financial have?
Chemung Financial has 4,819,820 shares outstanding.
What happened to Chemung Financial’s price movement after its last earnings report?
Chemung Financial reported an EPS of $1.91 in its last earnings report, beating expectations of $1.625. Following the earnings report the stock price went up 5.936%.
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:
$72.00 (14.61% Upside)
$72.00 (14.61% Upside)
Hedge Fund Trend
Increased
By 27.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $51.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.84%
12-Months-Change
Fundamentals
Return on Equity
7.33%
Trailing 12-Months
Asset Growth
-1.72%
Trailing 12-Months
Company Description
Chemung Financial
Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.
CHMG Stock 12 Month Forecast
Average Price Target
$72.00
▲(14.61% Upside)
Technical Analysis
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Fidelity D & D Bancorp
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Isabella Bank
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Ownership Overview
12.50% Insiders
12.12% Mutual Funds
12.76% Other Institutional Investors
52.13% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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