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STOCKS

Chemung Financial (CHMG)

NASDAQ:CHMG

CHMG

Chemung Financial

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Chemung Financial (CHMG) Ratios

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112 Followers

Chemung Financial Ratios

CHMG's free cash flow for Q4 2025 was $0.72. For the 2025 fiscal year, CHMG's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.13	0.13	0.19	0.25	0.31
Quick Ratio	0.13	0.13	0.19	0.25	0.31
Cash Ratio	0.01	0.01	0.02	0.01	0.02
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.02	0.02	0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.27	0.97	0.37
Net Current Asset Value	$ -2.15B	$ -2.15B	$ -2.09B	$ -1.89B	$ -1.73B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	0.04	0.02	0.04
Debt-to-Equity Ratio	0.02	0.02	0.55	0.21	0.64
Debt-to-Capital Ratio	0.02	0.02	0.36	0.17	0.39
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00	0.00
Financial Leverage Ratio	10.64	10.64	12.89	13.88	15.90
Debt Service Coverage Ratio	0.39	0.39	0.16	0.39	0.31
Interest Coverage Ratio	0.44	0.44	0.56	0.82	5.06
Debt to Market Cap	0.00	0.00	0.47	0.14	0.45
Interest Debt Per Share	10.52	10.52	36.06	16.78	24.09
Net Debt to EBITDA	-0.79	-0.79	2.23	0.12	1.25
Profitability Margins
Gross Profit Margin	64.19%	64.19%	64.27%	69.34%	93.38%
EBIT Margin	14.25%	14.25%	20.11%	23.06%	36.20%
EBITDA Margin	16.15%	16.15%	21.46%	25.12%	39.17%
Operating Profit Margin	14.25%	14.25%	20.11%	23.06%	36.20%
Pretax Profit Margin	14.25%	14.25%	20.11%	23.06%	36.20%
Net Profit Margin	10.79%	10.79%	15.82%	18.30%	28.24%
Continuous Operations Profit Margin	10.79%	10.79%	15.82%	18.30%	28.24%
Net Income Per EBT	75.76%	75.76%	78.68%	79.36%	78.03%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.56%	0.56%	0.85%	0.92%	1.09%
Return on Equity (ROE)	6.27%	5.93%	10.99%	12.80%	17.30%
Return on Capital Employed (ROCE)	4.54%	4.54%	11.14%	12.72%	16.69%
Return on Invested Capital (ROIC)	3.44%	3.44%	6.24%	8.94%	9.08%
Return on Tangible Assets	0.56%	0.56%	0.86%	0.93%	1.10%
Earnings Yield	6.13%	5.63%	10.17%	10.61%	13.37%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	1.71
Payables Turnover	0.00	0.00	0.00	2.14	0.38
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.58	5.58	6.86	6.75	4.52
Asset Turnover	0.05	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.07	-0.07	-0.08	-0.08	-0.07
Cash Conversion Cycle	0.00	0.00	0.00	-170.95	-759.64
Days of Sales Outstanding	0.00	0.00	0.00	0.00	212.95
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	170.95	972.59
Operating Cycle	0.00	0.00	0.00	0.00	212.95
Cash Flow Ratios
Operating Cash Flow Per Share	10.23	9.52	6.25	6.53	7.47
Free Cash Flow Per Share	9.79	9.17	5.49	6.43	7.38
CapEx Per Share	0.44	0.35	0.76	0.10	0.09
Free Cash Flow to Operating Cash Flow	0.96	0.96	0.88	0.99	0.99
Dividend Paid and CapEx Coverage Ratio	5.84	5.72	2.71	4.90	5.63
Capital Expenditure Coverage Ratio	23.39	27.16	8.23	66.84	82.27
Operating Cash Flow Coverage Ratio	9.97	9.28	0.25	0.76	0.33
Operating Cash Flow to Sales Ratio	0.35	0.33	0.20	0.23	0.34
Free Cash Flow Yield	19.12%	16.44%	11.25%	12.91%	16.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	16.32	17.77	9.84	9.43	7.48
Price-to-Sales (P/S) Ratio	1.76	1.92	1.56	1.73	2.11
Price-to-Book (P/B) Ratio	0.97	1.05	1.08	1.21	1.29
Price-to-Free Cash Flow (P/FCF) Ratio	5.23	6.08	8.89	7.75	6.22
Price-to-Operating Cash Flow Ratio	5.01	5.86	7.81	7.63	6.14
Price-to-Earnings Growth (PEG) Ratio	1.22	-0.48	-1.62	-0.68	0.86
Price-to-Fair Value	0.97	1.05	1.08	1.21	1.29
Enterprise Value Multiple	10.12	11.09	9.48	6.98	6.64
Enterprise Value	228.58M	250.62M	304.31M	239.60M	265.16M
EV to EBITDA	10.11	11.09	9.48	6.98	6.64
EV to Sales	1.63	1.79	2.03	1.75	2.60
EV to Free Cash Flow	4.85	5.68	11.62	7.88	7.66
EV to Operating Cash Flow	4.64	5.47	10.20	7.76	7.57
Tangible Book Value Per Share	48.41	48.41	40.56	36.65	30.80
Shareholders’ Equity Per Share	52.94	52.94	45.14	41.26	35.45
Tax and Other Ratios
Effective Tax Rate	0.24	0.24	0.21	0.21	0.22
Revenue Per Share	29.09	29.09	31.37	28.86	21.72
Net Income Per Share	3.14	3.14	4.96	5.28	6.13
Tax Burden	0.76	0.76	0.79	0.79	0.78
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.29	0.29	0.25	0.26	0.32
Stock-Based Compensation to Revenue	0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	3.26	3.03	1.26	1.24	1.22

Currency in USD