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Chemung Financial (CHMG)
NASDAQ:CHMG
Total Valuation
Chemung Financial has a market cap or net worth of $251.52M. The enterprise value is $305.30M.
Market Cap$251.52M
Enterprise Value$305.30M
Share Statistics
Chemung Financial has 4,790,939 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,790,939
Owned by Insiders12.60%
Owned by Institutions13.37%
Financial Efficiency
Chemung Financial’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 6.24%.
Return on Equity (ROE)0.11
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)6.24%
Return on Capital Employed (ROCE)0.11
Revenue Per Employee436.19K
Profits Per Employee69.01K
Employee Count343
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Chemung Financial is 22.1. Chemung Financial’s PEG ratio is -1.62.
PE Ratio22.1
PS Ratio1.56
PB Ratio1.08
Price to Fair Value1.08
Price to FCF8.89
Price to Operating Cash Flow7.92
PEG Ratio-1.62
Income Statement
In the last 12 months, Chemung Financial had revenue of 149.61M and earned 23.67M in profits. Earnings per share was 4.96.
Revenue149.61M
Gross Profit96.15M
Operating Income30.09M
Pretax Income30.09M
Net Income23.67M
EBITDA32.10M
Earnings Per Share (EPS)4.96
Cash Flow
In the last 12 months, operating cash flow was 32.32M and capital expenditures -3.21M, giving a free cash flow of 29.11M billion.
Operating Cash Flow32.32M
Free Cash Flow29.11M
Free Cash Flow per Share6.08
Dividends & Yields
Chemung Financial pays an annual dividend of $0.34, resulting in a dividend yield of 2.4%
Dividend Per Share$0.34
Dividend Yield2.4%
Payout Ratio32.00%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.50
52-Week Price Change14.39%
50-Day Moving Average51.84
200-Day Moving Average48.57
Relative Strength Index (RSI)59.45
Average Volume (3m)8.34K
Important Dates
Chemung Financial upcoming earnings date is Oct 28, 2025, TBA (Confirmed).
Last Earnings DateJul 17, 2025
Next Earnings DateOct 28, 2025
Ex-Dividend DateSep 17, 2025
Financial Position
Chemung Financial as a current ratio of 0.19, with Debt / Equity ratio of 46.00%
Current Ratio0.19
Quick Ratio0.19
Debt to Market Cap0.47
Net Debt to EBITDA2.23
Interest Coverage Ratio0.56
Taxes
In the past 12 months, Chemung Financial has paid 6.41M in taxes.
Income Tax6.41M
Effective Tax Rate0.21
Enterprise Valuation
Chemung Financial EV to EBITDA ratio is 9.48, with an EV/FCF ratio of 11.62.
EV to Sales2.03
EV to EBITDA9.48
EV to Free Cash Flow11.62
EV to Operating Cash Flow10.20
Balance Sheet
Chemung Financial has $323.16M in cash and marketable securities with $108.08M in debt, giving a net cash position of $215.08M billion.
Cash & Marketable Securities$323.16M
Total Debt$108.08M
Net Cash$215.08M
Net Cash Per Share$44.89
Tangible Book Value Per Share$40.56
Margins
Gross margin is 60.09%, with operating margin of 20.11%, and net profit margin of 15.82%.
Gross Margin60.09%
Operating Margin20.11%
Pretax Margin20.11%
Net Profit Margin15.82%
EBITDA Margin21.46%
EBIT Margin20.11%
Analyst Forecast
The average price target for Chemung Financial is $57.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$57.50
Price Target Upside6.86% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-6.64%
EPS Growth Forecast-51.99%