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Chemung Financial (CHMG)
NASDAQ:CHMG
CHMG Stock Chart & Stats
$55.54
-$1.20(-2.59%)
At close: 4:00 PM EST
$55.54
-$1.20(-2.59%)
Day’s Range― - ―
52-Week Range$40.71 - $65.50
Previous CloseN/A
Volume6.00
Average Volume (3M)8.71K
Market Cap
$269.39M
Enterprise Value$249.85M
Total Cash (Recent Filing)$361.26M
Total Debt (Recent Filing)$52.66M
Price to Earnings (P/E)17.7
Beta0.40
Next Earnings
Apr 16, 2026EPS Estimate
1.63Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)1.61
Shares Outstanding4,794,349
10 Day Avg. Volume6,565
30 Day Avg. Volume8,708
Financial Highlights & Ratios
PEG Ratio-1.62
Price to Book (P/B)1.08
Price to Sales (P/S)1.56
P/FCF Ratio8.89
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue1.82
Enterprise Value/Gross Profit2.93
Enterprise Value/Ebitda13.15
Forecast
1Y Price Target
$64.00Price Target Upside15.23% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)6.79
Revenue Forecast (FY)$123.70M
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained free cash flow growth and strong operating cash conversion provide durable internal funding for lending, investments, and dividends. This reduces reliance on volatile wholesale funding and supports capital allocation through economic cycles, enhancing financial resilience.
Leverage ImprovementMeaningful improvement in leverage management strengthens the balance sheet, lowering financial risk and increasing capacity to absorb losses. Better leverage supports future loan growth and capital returns while improving regulatory and creditor confidence over the medium term.
Balance-sheet RepositioningStructural shift from low-yield securities to loans and issuance of subordinated debt improves earning asset mix, widens NIM potential, and bolsters regulatory capital. These durable changes should lift recurring net interest income and support sustainable earnings growth.
Bears Say
Margin PressureOngoing compression in gross, EBIT and EBITDA margins reduces operating leverage and long-term profitability. Persistent margin erosion limits reinvestment capacity and ROE recovery, making it harder to sustain dividends or fund growth without structural revenue improvements.
Earnings DeteriorationMaterial declines in revenue and EPS signal underlying earnings stress that could persist if cost or yield pressures remain. Weak top-line and per-share earnings constrain internal capital generation and could limit strategic investments and shareholder returns over the medium term.
Regional ConcentrationHigh geographic concentration in New York markets exposes the bank to localized economic cycles and credit risk. Limited geographic diversification can cap growth potential and amplify downside in regional downturns, making multi-region expansion crucial for durable risk reduction.
Chemung Financial News
CHMG FAQ
What was Chemung Financial’s price range in the past 12 months?
Chemung Financial lowest stock price was $40.71 and its highest was $65.50 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $269.39M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Apr 16, 2026 which is in 43 days.
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 4,794,349 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 -1.069%.
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
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$64.00 (15.23% Upside)
$64.00 (15.23% Upside)
Insider Transactions
Sold Shares
Worth $220.8K 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
5.69%
Trailing 12-Months
Asset Growth
3.51%
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
▲(15.23% Upside)
Technical Analysis
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Ownership Overview
12.70% Insiders
12.22% Mutual Funds
12.05% Other Institutional Investors
53.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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