CHEMUNG FINANCIAL CORP (CHMG) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:CHMG • US1640241014

61.4 USD
-1.16 (-1.85%)
Last: Feb 11, 2026, 02:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

CHMG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of CHMG have multiple concerns. CHMG may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CHMG was profitable.
  • CHMG had a positive operating cash flow in the past year.
  • Of the past 5 years CHMG 4 years were profitable.
  • CHMG had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • CHMG has a worse Return On Assets (0.49%) than 79.00% of its industry peers.
  • CHMG's Return On Equity of 5.38% is on the low side compared to the rest of the industry. CHMG is outperformed by 74.28% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 5.38%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 14.58%, CHMG is not doing good in the industry: 78.22% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of CHMG has grown nicely.
  • 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) 14.58%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CHMG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for CHMG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CHMG Yearly Shares OutstandingCHMG Yearly Shares OutstandingYearly Shares Outstanding 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 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 1.47, which is an excellent value as it means it would take CHMG, only 1.47 years of fcf income to pay off all of its debts.
  • CHMG has a Debt to FCF ratio (1.47) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that CHMG is not too dependend on debt financing.
  • CHMG has a Debt to Equity ratio (0.19) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC18.32%
CHMG Yearly LT Debt VS Equity VS FCFCHMG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 16.94% over the past year.
  • The Earnings Per Share has been growing slightly by 7.66% on average over the past years.
EPS 1Y (TTM)16.94%
EPS 3Y-1.77%
EPS 5Y7.66%
EPS Q2Q%29.84%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.93%

3.2 Future

  • CHMG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.09% yearly.
  • CHMG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.00% yearly.
EPS Next Y24.86%
EPS Next 2Y20.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.76%
Revenue Next 2Y19%
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.
CHMG Yearly Revenue VS EstimatesCHMG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
CHMG Yearly EPS VS EstimatesCHMG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.59 indicates a reasonable valuation of CHMG.
  • Based on the Price/Earnings ratio, CHMG is valued a bit cheaper than 77.95% of the companies in the same industry.
  • CHMG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
  • CHMG is valuated reasonably with a Price/Forward Earnings ratio of 8.48.
  • CHMG's Price/Forward Earnings ratio is rather cheap when compared to the industry. CHMG is cheaper than 88.45% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, CHMG is valued rather cheaply.
Industry RankSector Rank
PE 10.59
Fwd PE 8.48
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

  • 76.64% of the companies in the same industry are more expensive than CHMG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.08
EV/EBITDA N/A
CHMG Per share dataCHMG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 20.09% in the coming years.
PEG (NY)0.43
PEG (5Y)1.38
EPS Next 2Y20.09%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • CHMG has a Yearly Dividend Yield of 2.12%.
  • CHMG's Dividend Yield is slightly below the industry average, which is at 2.53.
  • CHMG's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

  • The dividend of CHMG is nicely growing with an annual growth rate of 8.39%!
  • CHMG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CHMG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.39%
Div Incr Years0
Div Non Decr Years14
CHMG Yearly Dividends per shareCHMG Yearly Dividends per shareYearly Dividends per share 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 46.78% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • CHMG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.78%
EPS Next 2Y20.09%
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 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 (2/11/2026, 2:25:22 PM)

61.4

-1.16 (-1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-16
Inst Owners46.46%
Inst Owner Change0%
Ins Owners7.31%
Ins Owner Change1.06%
Market Cap294.11M
Revenue(TTM)N/A
Net Income(TTM)13.19M
Analysts82.5
Price Target65.28 (6.32%)
Short Float %0.55%
Short Ratio2.68
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend1.55
Dividend Growth(5Y)8.39%
DP46.78%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.88%
Min EPS beat(2)-2.56%
Max EPS beat(2)-1.2%
EPS beat(4)2
Avg EPS beat(4)0.07%
Min EPS beat(4)-2.56%
Max EPS beat(4)3.23%
EPS beat(8)4
Avg EPS beat(8)0.78%
EPS beat(12)8
Avg EPS beat(12)5.74%
EPS beat(16)11
Avg EPS beat(16)8.32%
Revenue beat(2)1
Avg Revenue beat(2)-31.03%
Min Revenue beat(2)-62.48%
Max Revenue beat(2)0.43%
Revenue beat(4)2
Avg Revenue beat(4)-15.78%
Min Revenue beat(4)-62.48%
Max Revenue beat(4)1.62%
Revenue beat(8)3
Avg Revenue beat(8)-9.44%
Revenue beat(12)5
Avg Revenue beat(12)-5.59%
Revenue beat(16)6
Avg Revenue beat(16)-4.33%
PT rev (1m)-0.39%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.52%
EPS NY rev (1m)-29.39%
EPS NY rev (3m)-45.47%
Revenue NQ rev (1m)3.13%
Revenue NQ rev (3m)3.13%
Revenue NY rev (1m)1.71%
Revenue NY rev (3m)1.71%
Valuation
Industry RankSector Rank
PE 10.59
Fwd PE 8.48
P/S 3.25
P/FCF 9.08
P/OCF 8.31
P/B 1.2
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)5.8
EY9.45%
EPS(NY)7.24
Fwd EY11.79%
FCF(TTM)6.76
FCFY11.01%
OCF(TTM)7.39
OCFY12.04%
SpS18.89
BVpS51.21
TBVpS46.66
PEG (NY)0.43
PEG (5Y)1.38
Graham Number81.75
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 5.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.58%
GM N/A
FCFM 35.81%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.47
Debt/EBITDA N/A
Cap/Depr 161.93%
Cap/Sales 3.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 245.63%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC18.32%
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)16.94%
EPS 3Y-1.77%
EPS 5Y7.66%
EPS Q2Q%29.84%
EPS Next Y24.86%
EPS Next 2Y20.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.93%
Revenue Next Year29.76%
Revenue Next 2Y19%
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 1Y11.01%
FCF growth 3Y-9.29%
FCF growth 5Y0.51%
OCF growth 1Y19.52%
OCF growth 3Y-5.62%
OCF growth 5Y2.46%

CHEMUNG FINANCIAL CORP / CHMG FAQ

Can you provide the ChartMill fundamental rating for CHEMUNG FINANCIAL CORP?

ChartMill assigns a fundamental rating of 3 / 10 to CHMG.


Can you provide the valuation status for CHEMUNG FINANCIAL CORP?

ChartMill assigns a valuation rating of 7 / 10 to CHEMUNG FINANCIAL CORP (CHMG). This can be considered as Undervalued.


What is the profitability of CHMG stock?

CHEMUNG FINANCIAL CORP (CHMG) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CHEMUNG FINANCIAL CORP (CHMG) stock?

The Price/Earnings (PE) ratio for CHEMUNG FINANCIAL CORP (CHMG) is 10.59 and the Price/Book (PB) ratio is 1.2.


What is the expected EPS growth for CHEMUNG FINANCIAL CORP (CHMG) stock?

The Earnings per Share (EPS) of CHEMUNG FINANCIAL CORP (CHMG) is expected to grow by 24.86% in the next year.