Chemung Financial (CHMG)
NASDAQ:CHMG
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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$43.20 - $70.83
Previous CloseN/A
Volume6.00
Average Volume (3M)8.71K
Market Cap
$332.28M
Enterprise Value$433.40M
Total Cash (Recent Filing)$303.00M
Total Debt (Recent Filing)$128.80M
Price to Earnings (P/E)7.1
Beta0.59
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 Cap1.30
Enterprise Value/Revenue3.04
Enterprise Value/Gross Profit4.57
Enterprise Value/Ebitda16.61
Forecast
1Y Price Target
$72.00Price Target Upside14.61% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)6.89
Revenue Forecast (FY)$122.06M
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent, high-quality free cash flow that closely tracks net income indicates the company converts earnings into cash reliably. That durability supports dividend payments, funds organic growth or small M&A, and reduces refinancing risk compared with peers that show weaker cash conversion.
Improved Funding & MarginsA strategic 2025 funding and securities overhaul plus subordinated debt bolstered capital and lowered reliance on expensive wholesale funding, structurally improving net interest margin and providing a steadier funding mix to support sustainable loan-oriented profitability and potential balance-sheet growth.
Diversified Community FranchiseA multi-region deposit and lending footprint combined with a sizeable wealth management business provides diversified fee streams and local relationship depth. This mix reduces single-market concentration risk and supports stable noninterest income over time, aiding resilience through local economic cycles.
Bears Say
Revenue VolatilityIrregular top-line performance and recent year-over-year declines undermine visibility into sustainable growth. Persistent revenue choppiness makes it harder to forecast earnings, invest consistently in franchise expansion, and amortize fixed branch and tech costs over rising volumes.
Funding & Debt VolatilityMaterial swings in reported debt levels imply shifting funding strategies and potential dependence on episodic wholesale or subordinated funding. Such volatility raises execution and liquidity risk, complicates interest expense predictability, and can pressure margins if funding costs rise.
Modest Returns & ScaleA mid-single-digit ROE signals limited excess returns relative to capital, reflecting scale and margin constraints. For a regional bank, modest returns constrain ability to self-fund growth or make transformational acquisitions and limit long-term capital accumulation versus larger peers.
Chemung Financial News
CHMG FAQ
What was Chemung Financial’s price range in the past 12 months?
Chemung Financial lowest stock price was $43.20 and its highest was $70.83 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $332.28M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Jul 16, 2026 which is in 50 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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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 $211.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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 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
$72.00
▲(14.61% Upside)
Technical Analysis
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Ownership Overview
12.51% Insiders
11.94% Mutual Funds
12.76% Other Institutional Investors
53.20% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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