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CHEMUNG FINANCIAL CORP (CHMG) Stock Fundamental Analysis

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

52.38  -0.88 (-1.65%)

After market: 52.38 0 (0%)

Fundamental Rating

5

CHMG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. CHMG has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on CHMG. 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.
In the past 5 years CHMG has always been profitable.
CHMG had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

With a Return On Assets value of 0.81%, CHMG perfoms like the industry average, outperforming 48.73% of the companies in the same industry.
CHMG's Return On Equity of 9.89% is fine compared to the rest of the industry. CHMG outperforms 64.97% of its industry peers.
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

CHMG has a Profit Margin (22.74%) which is comparable to the rest of the 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.
The number of shares outstanding for CHMG has been increased compared to 1 year ago.
Compared to 5 years ago, CHMG has less shares outstanding
CHMG has a worse debt/assets ratio than last year.
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

CHMG has a debt to FCF ratio of 0.15. This is a very positive value and a sign of high solvency as it would only need 0.15 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.15, CHMG belongs to the top of the industry, outperforming 88.58% of the companies in the same industry.
CHMG has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
CHMG's Debt to Equity ratio of 0.02 is amongst the best of the industry. CHMG outperforms 86.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.15
Altman-Z N/A
ROIC/WACCN/A
WACC19.93%
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 has been growing slightly by 1.01% over the past 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 decrease in Revenue. The Revenue has decreased by -1.73% in the last year.
Measured over the past years, CHMG shows a small growth in Revenue. The Revenue has been growing by 3.81% on average per year.
EPS 1Y (TTM)1.01%
EPS 3Y-4.19%
EPS 5Y9.09%
EPS Q2Q%24.76%
Revenue 1Y (TTM)-1.73%
Revenue growth 3Y2.84%
Revenue growth 5Y3.81%
Sales Q2Q%-56.76%

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 19.08% on average per year.
The Revenue is expected to grow by 10.98% on average over the next years. This is quite good.
EPS Next Y16.54%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.47%
Revenue Next 2Y10.98%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.48, the valuation of CHMG can be described as reasonable.
77.41% of the companies in the same industry are more expensive than CHMG, based on the Price/Earnings ratio.
CHMG is valuated cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.45, the valuation of CHMG can be described as very cheap.
86.55% of the companies in the same industry are more expensive than CHMG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, CHMG is valued rather cheaply.
Industry RankSector Rank
PE 10.48
Fwd PE 7.45
CHMG Price Earnings VS Forward Price EarningsCHMG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CHMG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CHMG is cheaper than 64.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.96
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.
CHMG's earnings are expected to grow with 19.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.63
PEG (5Y)1.15
EPS Next 2Y19.08%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

CHMG has a Yearly Dividend Yield of 2.45%.
CHMG's Dividend Yield is comparable with the industry average which is at 3.31.
CHMG's Dividend Yield is comparable with the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 2.45%

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 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

32.91% of the earnings are spent on dividend by CHMG. This is a low number and sustainable payout ratio.
CHMG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.91%
EPS Next 2Y19.08%
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 (7/18/2025, 8:00:00 PM)

After market: 52.38 0 (0%)

52.38

-0.88 (-1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners44.23%
Inst Owner Change0%
Ins Owners6.97%
Ins Owner Change4.06%
Market Cap250.90M
Analysts80
Price Target56.61 (8.08%)
Short Float %0.88%
Short Ratio2.95
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
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)1.26%
PT rev (3m)-6.4%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)4.24%
EPS NY rev (3m)5.96%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)-0.74%
Valuation
Industry RankSector Rank
PE 10.48
Fwd PE 7.45
P/S 2.53
P/FCF 9.96
P/OCF 8.63
P/B 1.1
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)5
EY9.55%
EPS(NY)7.03
Fwd EY13.43%
FCF(TTM)5.26
FCFY10.04%
OCF(TTM)6.07
OCFY11.58%
SpS20.72
BVpS47.66
TBVpS43.11
PEG (NY)0.63
PEG (5Y)1.15
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
WACC19.93%
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)1.01%
EPS 3Y-4.19%
EPS 5Y9.09%
EPS Q2Q%24.76%
EPS Next Y16.54%
EPS Next 2Y19.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.73%
Revenue growth 3Y2.84%
Revenue growth 5Y3.81%
Sales Q2Q%-56.76%
Revenue Next Year11.47%
Revenue Next 2Y10.98%
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%