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Total Valuation
Chemung Financial has a market cap or net worth of $392.77M. The enterprise value is $474.20.
Market Cap$392.77M
Enterprise Value$474.20
Share Statistics
Chemung Financial has 4,819,820 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,819,820
Owned by Insiders12.50%
Owned by Institutions3.00%
Financial Efficiency
Chemung Financial’s return on equity (ROE) is 0.06 and return on invested capital (ROIC) is 3.44%.
Return on Equity (ROE)0.06
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.44%
Return on Capital Employed (ROCE)0.05
Revenue Per Employee402.14K
Profits Per Employee43.40K
Employee Count348
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Chemung Financial is 11.7. Chemung Financial’s PEG ratio is -0.48.
PE Ratio11.7
PS Ratio1.92
PB Ratio1.05
Price to Fair Value1.05
Price to FCF6.13
Price to Operating Cash Flow10.46
PEG Ratio-0.48
Income Statement
In the last 12 months, Chemung Financial had revenue of 139.94M and earned 15.10M in profits. Earnings per share was 3.13.
Revenue139.94M
Gross Profit89.83M
Operating Income19.94M
Pretax Income19.94M
Net Income15.10M
EBITDA22.60M
Earnings Per Share (EPS)3.13
Cash Flow
In the last 12 months, operating cash flow was 47.36M and capital expenditures -1.49M, giving a free cash flow of 45.87M billion.
Operating Cash Flow47.36M
Free Cash Flow45.87M
Free Cash Flow per Share9.52
Dividends & Yields
Chemung Financial pays an annual dividend of $0.34, resulting in a dividend yield of 1.67%
Dividend Per Share$0.34
Dividend Yield1.67%
Payout Ratio19.54%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.57
52-Week Price Change66.79%
50-Day Moving Average73.55
200-Day Moving Average60.64
Relative Strength Index (RSI)68.18
Average Volume (3m)8.71K
Important Dates
Chemung Financial upcoming earnings date is Oct 27, 2026, TBA (Confirmed).
Last Earnings DateJul 22, 2026
Next Earnings DateOct 27, 2026
Ex-Dividend Date―
Financial Position
Chemung Financial as a current ratio of 0.13, with Debt / Equity ratio of 52.66%
Current Ratio0.13
Quick Ratio0.13
Debt to Market Cap0.00
Net Debt to EBITDA-0.79
Interest Coverage Ratio0.44
Taxes
In the past 12 months, Chemung Financial has paid 4.83M in taxes.
Income Tax4.83M
Effective Tax Rate0.24
Enterprise Valuation
Chemung Financial EV to EBITDA ratio is 11.09, with an EV/FCF ratio of 5.72.
EV to Sales1.79
EV to EBITDA11.09
EV to Free Cash Flow5.72
EV to Operating Cash Flow5.51
Balance Sheet
Chemung Financial has $303.00M in cash and marketable securities with $128.80M in debt, giving a net cash position of $174.20M billion.
Cash & Marketable Securities$303.00M
Total Debt$128.80M
Net Cash$174.20M
Net Cash Per Share$36.14
Tangible Book Value Per Share$48.41
Margins
Gross margin is 67.54%, with operating margin of 14.25%, and net profit margin of 10.79%.
Gross Margin67.54%
Operating Margin14.25%
Pretax Margin14.25%
Net Profit Margin10.79%
EBITDA Margin16.15%
EBIT Margin14.25%
Analyst Forecast
The average price target for Chemung Financial is $81.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$81.00
Price Target Upside0.02% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast18.42%
EPS Growth Forecast191.19%