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CHEMUNG FINANCIAL CORP (CHMG) Stock Fundamental Analysis

NASDAQ:CHMG - Nasdaq - US1640241014 - Common Stock - Currency: USD

47.15  -1.25 (-2.58%)

After market: 47.15 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CHMG. CHMG was compared to 396 industry peers in the Banks industry. Both the profitability and the financial health of CHMG get a neutral evaluation. Nothing too spectacular is happening here. CHMG is not valued too expensively and it also shows a decent growth rate. Finally CHMG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CHMG had positive earnings in the past year.
CHMG had a positive operating cash flow in the past year.
Each year in the past 5 years CHMG has been profitable.
Each year in the past 5 years CHMG had a positive operating cash flow.
CHMG Yearly Net Income VS EBIT VS OCF VS FCFCHMG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

CHMG has a Return On Assets (0.81%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 9.89%, CHMG is in the better half of the industry, outperforming 64.65% of the companies in the same industry.
Industry RankSector Rank
ROA 0.81%
ROE 9.89%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.96%
ROE(3y)13.7%
ROE(5y)12.65%
ROIC(3y)N/A
ROIC(5y)N/A
CHMG Yearly ROA, ROE, ROICCHMG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a Profit Margin value of 22.74%, CHMG perfoms like the industry average, outperforming 44.70% of the companies in the same industry.
CHMG's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CHMG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.74%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.27%
PM growth 5Y4.69%
GM growth 3YN/A
GM growth 5YN/A
CHMG Yearly Profit, Operating, Gross MarginsCHMG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

CHMG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CHMG has more shares outstanding
CHMG has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CHMG is higher compared to a year ago.
CHMG Yearly Shares OutstandingCHMG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
CHMG Yearly Total Debt VS Total AssetsCHMG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of CHMG is 0.15, which is an excellent value as it means it would take CHMG, only 0.15 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CHMG (0.15) is better than 88.38% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that CHMG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.02, CHMG belongs to the top of the industry, outperforming 86.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.15
Altman-Z N/A
ROIC/WACCN/A
WACC21.02%
CHMG Yearly LT Debt VS Equity VS FCFCHMG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CHMG Yearly Current Assets VS Current LiabilitesCHMG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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5

3. Growth

3.1 Past

The earnings per share for CHMG have decreased by -9.37% in the last year.
CHMG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.09% yearly.
Looking at the last year, CHMG shows a small growth in Revenue. The Revenue has grown by 1.90% in the last year.
CHMG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.81% yearly.
EPS 1Y (TTM)-9.37%
EPS 3Y-4.19%
EPS 5Y9.09%
EPS Q2Q%-14.86%
Revenue 1Y (TTM)1.9%
Revenue growth 3Y2.84%
Revenue growth 5Y3.81%
Sales Q2Q%12.52%

3.2 Future

Based on estimates for the next years, CHMG will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.28% on average per year.
CHMG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.70% yearly.
EPS Next Y11.8%
EPS Next 2Y13.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.95%
Revenue Next 2Y9.7%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CHMG Yearly Revenue VS EstimatesCHMG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
CHMG Yearly EPS VS EstimatesCHMG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.95 indicates a reasonable valuation of CHMG.
Based on the Price/Earnings ratio, CHMG is valued a bit cheaper than 72.98% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. CHMG is valued rather cheaply when compared to this.
CHMG is valuated cheaply with a Price/Forward Earnings ratio of 7.41.
CHMG's Price/Forward Earnings ratio is rather cheap when compared to the industry. CHMG is cheaper than 83.08% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, CHMG is valued rather cheaply.
Industry RankSector Rank
PE 9.95
Fwd PE 7.41
CHMG Price Earnings VS Forward Price EarningsCHMG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHMG indicates a somewhat cheap valuation: CHMG is cheaper than 64.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.97
EV/EBITDA N/A
CHMG Per share dataCHMG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CHMG's earnings are expected to grow with 13.28% in the coming years.
PEG (NY)0.84
PEG (5Y)1.09
EPS Next 2Y13.28%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

CHMG has a Yearly Dividend Yield of 2.64%.
Compared to an average industry Dividend Yield of 3.48, CHMG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, CHMG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.64%

5.2 History

The dividend of CHMG is nicely growing with an annual growth rate of 8.39%!
CHMG has paid a dividend for at least 10 years, which is a reliable track record.
CHMG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.39%
Div Incr Years0
Div Non Decr Years14
CHMG Yearly Dividends per shareCHMG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

CHMG pays out 32.91% of its income as dividend. This is a sustainable payout ratio.
CHMG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.91%
EPS Next 2Y13.28%
EPS Next 3YN/A
CHMG Yearly Income VS Free CF VS DividendCHMG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CHMG Dividend Payout.CHMG Dividend Payout, showing the Payout Ratio.CHMG Dividend Payout.PayoutRetained Earnings

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CHEMUNG FINANCIAL CORP

NASDAQ:CHMG (6/13/2025, 8:00:00 PM)

After market: 47.15 0 (0%)

47.15

-1.25 (-2.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-18 2025-04-18/dmh
Earnings (Next)07-16 2025-07-16/amc
Inst Owners44.23%
Inst Owner Change-1.91%
Ins Owners6.97%
Ins Owner Change3.72%
Market Cap225.85M
Analysts80
Price Target54.06 (14.66%)
Short Float %0.39%
Short Ratio1.34
Dividend
Industry RankSector Rank
Dividend Yield 2.64%
Yearly Dividend1.55
Dividend Growth(5Y)8.39%
DP32.91%
Div Incr Years0
Div Non Decr Years14
Ex-Date06-17 2025-06-17 (0.32)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.02%
Min EPS beat(2)0.8%
Max EPS beat(2)3.23%
EPS beat(4)3
Avg EPS beat(4)-0.05%
Min EPS beat(4)-7.92%
Max EPS beat(4)3.7%
EPS beat(8)6
Avg EPS beat(8)7.11%
EPS beat(12)9
Avg EPS beat(12)9.4%
EPS beat(16)13
Avg EPS beat(16)11.66%
Revenue beat(2)1
Avg Revenue beat(2)-0.54%
Min Revenue beat(2)-2.69%
Max Revenue beat(2)1.62%
Revenue beat(4)1
Avg Revenue beat(4)-2%
Min Revenue beat(4)-4.88%
Max Revenue beat(4)1.62%
Revenue beat(8)3
Avg Revenue beat(8)-1.09%
Revenue beat(12)4
Avg Revenue beat(12)-0.47%
Revenue beat(16)7
Avg Revenue beat(16)-0.24%
PT rev (1m)0%
PT rev (3m)-9.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.68%
EPS NY rev (1m)0%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.21%
Valuation
Industry RankSector Rank
PE 9.95
Fwd PE 7.41
P/S 2.28
P/FCF 8.97
P/OCF 7.77
P/B 0.99
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)4.74
EY10.05%
EPS(NY)6.36
Fwd EY13.5%
FCF(TTM)5.26
FCFY11.15%
OCF(TTM)6.07
OCFY12.87%
SpS20.72
BVpS47.66
TBVpS43.11
PEG (NY)0.84
PEG (5Y)1.09
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 9.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.74%
GM N/A
FCFM 25.38%
ROA(3y)0.95%
ROA(5y)0.96%
ROE(3y)13.7%
ROE(5y)12.65%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.27%
PM growth 5Y4.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.15
Debt/EBITDA N/A
Cap/Depr 213.27%
Cap/Sales 3.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.58%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC21.02%
ROIC/WACCN/A
Cap/Depr(3y)80.7%
Cap/Depr(5y)56.24%
Cap/Sales(3y)1.55%
Cap/Sales(5y)1.22%
Profit Quality(3y)117.54%
Profit Quality(5y)125.93%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.37%
EPS 3Y-4.19%
EPS 5Y9.09%
EPS Q2Q%-14.86%
EPS Next Y11.8%
EPS Next 2Y13.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.9%
Revenue growth 3Y2.84%
Revenue growth 5Y3.81%
Sales Q2Q%12.52%
Revenue Next Year10.95%
Revenue Next 2Y9.7%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.51%
FCF growth 3Y-9.29%
FCF growth 5Y0.51%
OCF growth 1Y-26.91%
OCF growth 3Y-5.62%
OCF growth 5Y2.46%