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 - $73.84
Previous CloseN/A
Volume6.00
Average Volume (3M)8.71K
Market Cap
$349.46M
Enterprise Value$432.15M
Total Cash (Recent Filing)$303.00M
Total Debt (Recent Filing)$128.80M
Price to Earnings (P/E)18.6
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 Cap1.24
Enterprise Value/Revenue3.03
Enterprise Value/Gross Profit4.56
Enterprise Value/Ebitda16.13
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
Strong Free Cash Flow ConversionFree cash flow closely tracking net income across multiple years indicates durable cash conversion. That persistent cash generation supports dividends, internal investment, and opportunistic M&A without reliance on volatile external financing, bolstering long-term financial flexibility.
Record Q1 2026 Earnings And Stronger CapitalRecord quarterly profits, higher net interest margin and a $45M subordinated debt issuance reflect structural balance-sheet improvement. Better margins and strengthened capital increase capacity to grow loans, invest in tech and absorb losses, enabling sustained earnings expansion over months.
Diversified Regional Footprint And Wealth ManagementA multi-regional retail/commercial footprint plus a sizable wealth management arm diversifies revenue sources and client relationships. Fee-based wealth income and varied local markets reduce concentration risk and support steadier revenues and cross-sell opportunities over the medium term.
Bears Say
Uneven Revenue TrajectoryChoppy and occasionally declining revenue undermines predictability for planning and capital allocation. Inconsistent top-line trends complicate operating leverage, make expense control harder to forecast, and reduce confidence in sustained growth absent clearer revenue drivers.
Margin Compression From Peak YearsSignificant margin compression versus recent peaks suggests structural pressure on profitability. If higher funding costs or lower-yield asset mixes persist, restoring prior margins may be difficult, limiting durable net income growth and requiring permanent cost or mix changes.
Volatile Funding And Debt LevelsLarge swings in reported debt and funding structure create consistency risk for liquidity and capital planning. Volatile leverage can raise funding costs, complicate regulatory metrics and limit predictable lending capacity, increasing execution risk for medium-term growth plans.
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 $73.84 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $349.46M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Jul 16, 2026 which is in 29 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 $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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Ownership Overview
12.51% Insiders
12.05% Mutual Funds
12.76% Other Institutional Investors
52.91% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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