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CHMG Stock Chart & Stats
$80.98
$6.41(8.60%)
At close: 4:00 PM EDT
$80.98
$6.41(8.60%)
Day’s Range― - ―
52-Week Range$48.61 - $83.50
Previous Close$80.98
Volume93.29K
Average Volume (3M)8.71K
Market Cap
$392.77M
Enterprise Value$474.20
Total Cash (Recent Filing)$303.00M
Total Debt (Recent Filing)$128.80M
Price to Earnings (P/E)11.7
Beta0.57
Next Earnings
Oct 27, 2026EPS Estimate
1.91Next Dividend Ex-DateN/A
Dividend Yield1.67%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$81.00Price Target Upside0.02% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)7.47
Revenue Forecast (FY)$123.94M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow ConversionConsistent TTM free cash flow that nearly matches net income shows earnings translate into cash, enabling sustainable dividend payments, organic loan growth funding, and reinvestment in branches/digital. This lowers reliance on volatile external funding and supports enduring financial flexibility.
Diversified Fee Income From Wealth ManagementA $2.5 billion wealth management platform builds recurring, higher-margin fee income that diversifies earnings away from interest-rate cycles. Sticky client assets support cross-selling, stabilize revenue through cycles, and improve long-term margin sustainability and customer relationships in regional markets.
Improved Capital And Funding Via RestructuringThe 2025 balance-sheet restructure and subordinated debt issuance strengthened capital ratios and liquidity, reducing dependence on low-yield securities and wholesale funding. Stronger capital enables prudent loan growth, contiguous geographic expansion, and positions the bank for strategic investments or acquisitions.
Bears Say
Choppy And Uneven Revenue TrendsFlat TTM revenue and notable year-to-year volatility reduce visibility on sustainable organic growth. Persistent top-line inconsistency complicates capacity planning and capital allocation, risks underutilized operating leverage, and limits confidence in projecting earnings power over the medium term.
Volatile Debt/funding ProfileMaterial swings in reported debt across periods indicate an inconsistent funding mix. Such volatility raises refinancing and interest-rate risk, complicates capital planning and regulatory ratios, and can force defensive liquidity actions that constrain strategic initiatives during tighter markets.
Margin Compression From Prior PeaksSignificant compression from 2021–2022 margin peaks reduces earnings cushion and makes profitability more sensitive to deposit cost increases or loan yield pressure. Without durable revenue expansion, margin erosion can limit ROE improvement and reduce funds available for reinvestment or higher dividends.
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 $83.50 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $392.77M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Oct 27, 2026 which is in 85 days.
How were Chemung Financial’s earnings last quarter?
Chemung Financial released its earnings results on Jul 22, 2026. The company reported $1.82 earnings per share for the quarter, beating the consensus estimate of $1.765 by $0.055.
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 1.67%. See more information on Chemung Financial dividends here
What is Chemung Financial’s EPS estimate?
Chemung Financial’s EPS estimate is 1.91.
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 $1.82 in its last earnings report, beating expectations of $1.765. Following the earnings report the stock price went down -0.507%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$81.00 (0.02% Upside)
$81.00 (0.02% Upside)
Blogger Sentiment
Bullish
CHMG Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 27.1K Shares
Last Quarter.
Last Quarter.
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
1.67%
Trailing 12-Months
Asset Growth
-1.13%
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
$81.00
▲(0.02% Upside)
Technical Analysis
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Ownership Overview
12.50% Insiders
12.12% Mutual Funds
3.00% Other Institutional Investors
61.80% Public Companies and
Individual Investors









