CHEMUNG FINANCIAL CORP (CHMG) Fundamental Analysis & Valuation

NASDAQ:CHMG • US1640241014

Current stock price

58.66 USD
-1.34 (-2.23%)
Last:

This CHMG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CHMG Profitability Analysis

1.1 Basic Checks

  • In the past year CHMG was profitable.
  • CHMG had a positive operating cash flow in the past year.
  • Each year in the past 5 years CHMG has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • CHMG has a Return On Assets of 0.56%. This is amonst the worse of the industry: CHMG underperforms 80.53% of its industry peers.
  • Looking at the Return On Equity, with a value of 5.94%, CHMG is doing worse than 77.89% of the companies in the same industry.
Industry RankSector Rank
ROA 0.56%
ROE 5.94%
ROIC N/A
ROA(3y)0.78%
ROA(5y)0.9%
ROE(3y)9.91%
ROE(5y)11.9%
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 2025 5 10 15

1.3 Margins

  • CHMG has a Profit Margin of 15.90%. This is amonst the worse of the industry: CHMG underperforms 81.05% of its industry peers.
  • CHMG's Profit Margin has declined 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) 15.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.19%
PM growth 5Y-7.07%
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 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. CHMG Health Analysis

2.1 Basic Checks

  • CHMG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CHMG has more shares outstanding than it did 1 year ago.
  • CHMG has more shares outstanding than it did 5 years ago.
  • CHMG has a worse debt/assets ratio than last year.
CHMG Yearly Shares OutstandingCHMG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • CHMG has a debt to FCF ratio of 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.08, CHMG is doing good in the industry, outperforming 66.58% of the companies in the same industry.
  • CHMG has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • CHMG has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: CHMG outperforms 44.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.08
Altman-Z N/A
ROIC/WACCN/A
WACC15.21%
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 2025 50M 100M 150M 200M 250M

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 2025 10M 20M 30M 40M

More info and screens

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

6

3. CHMG Growth Analysis

3.1 Past

  • CHMG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.94%, which is quite good.
  • CHMG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.66% yearly.
  • CHMG shows a decrease in Revenue. In the last year, the revenue decreased by -2.25%.
  • CHMG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.50% yearly.
EPS 1Y (TTM)16.94%
EPS 3Y-1.77%
EPS 5Y7.66%
EPS Q2Q%29.84%
Revenue 1Y (TTM)-2.25%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.5%
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.
  • The Revenue is expected to grow by 19.00% on average over the next years. This is quite good.
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.
  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

8

4. CHMG Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.11, which indicates a very decent valuation of CHMG.
  • Based on the Price/Earnings ratio, CHMG is valued cheaper than 83.42% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CHMG to the average of the S&P500 Index (26.86), we can say CHMG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.10, the valuation of CHMG can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CHMG indicates a rather cheap valuation: CHMG is cheaper than 91.84% of the companies listed in the same industry.
  • CHMG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.39.
Industry RankSector Rank
PE 10.11
Fwd PE 8.1
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHMG indicates a rather cheap valuation: CHMG is cheaper than 88.68% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.45
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.
  • CHMG's earnings are expected to grow with 20.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)1.32
EPS Next 2Y20.09%
EPS Next 3YN/A

More info and screens

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

6

5. CHMG Dividend Analysis

5.1 Amount

  • CHMG has a Yearly Dividend Yield of 2.27%.
  • CHMG's Dividend Yield is comparable with the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, CHMG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.27%

5.2 History

  • The dividend of CHMG has a limited annual growth rate of 4.89%.
  • 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)4.89%
Div Incr Years1
Div Non Decr Years15
CHMG Yearly Dividends per shareCHMG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 41.84% of the earnings are spent on dividend by CHMG. This is a bit on the high side, but may be sustainable.
  • The dividend of CHMG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.84%
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 2025 10M 20M 30M 40M
CHMG Dividend Payout.CHMG Dividend Payout, showing the Payout Ratio.CHMG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CHMG Fundamentals: All Metrics, Ratios and Statistics

CHEMUNG FINANCIAL CORP

NASDAQ:CHMG (4/10/2026, 8:12:15 PM)

58.66

-1.34 (-2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-16
Inst Owners46.1%
Inst Owner Change0%
Ins Owners7.6%
Ins Owner Change2.88%
Market Cap282.74M
Revenue(TTM)95.10M
Net Income(TTM)15.12M
Analysts43.33
Price Target65.28 (11.29%)
Short Float %0.65%
Short Ratio3.73
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend1.33
Dividend Growth(5Y)4.89%
DP41.84%
Div Incr Years1
Div Non Decr Years15
Ex-Date03-18
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.79%
Min EPS beat(2)-2.39%
Max EPS beat(2)-1.2%
EPS beat(4)1
Avg EPS beat(4)-0.73%
Min EPS beat(4)-2.56%
Max EPS beat(4)3.23%
EPS beat(8)4
Avg EPS beat(8)4.12%
EPS beat(12)7
Avg EPS beat(12)5.1%
EPS beat(16)10
Avg EPS beat(16)7.71%
Revenue beat(2)2
Avg Revenue beat(2)0.95%
Min Revenue beat(2)0.43%
Max Revenue beat(2)1.48%
Revenue beat(4)2
Avg Revenue beat(4)-15.82%
Min Revenue beat(4)-62.48%
Max Revenue beat(4)1.48%
Revenue beat(8)3
Avg Revenue beat(8)-9.28%
Revenue beat(12)5
Avg Revenue beat(12)-5.8%
Revenue beat(16)6
Avg Revenue beat(16)-4.29%
PT rev (1m)0%
PT rev (3m)-0.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.69%
EPS NY rev (1m)0%
EPS NY rev (3m)4.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.51%
Valuation
Industry RankSector Rank
PE 10.11
Fwd PE 8.1
P/S 2.97
P/FCF 6.45
P/OCF 6.21
P/B 1.11
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)5.8
EY9.89%
EPS(NY)7.24
Fwd EY12.35%
FCF(TTM)9.09
FCFY15.5%
OCF(TTM)9.44
OCFY16.09%
SpS19.73
BVpS52.84
TBVpS48.32
PEG (NY)0.41
PEG (5Y)1.32
Graham Number83.04
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 5.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.9%
GM N/A
FCFM 46.07%
ROA(3y)0.78%
ROA(5y)0.9%
ROE(3y)9.91%
ROE(5y)11.9%
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-19.19%
PM growth 5Y-7.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.08
Debt/EBITDA N/A
Cap/Depr 89.02%
Cap/Sales 1.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 289.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.21%
ROIC/WACCN/A
Cap/Depr(3y)104%
Cap/Depr(5y)68.92%
Cap/Sales(3y)1.99%
Cap/Sales(5y)1.37%
Profit Quality(3y)174.13%
Profit Quality(5y)155.09%
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)-2.25%
Revenue growth 3Y-0.18%
Revenue growth 5Y2.5%
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 1Y67.29%
FCF growth 3Y8.17%
FCF growth 5Y9.53%
OCF growth 1Y52.6%
OCF growth 3Y9.09%
OCF growth 5Y9.68%

CHEMUNG FINANCIAL CORP / CHMG Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to CHMG.


Can you provide the valuation status for CHEMUNG FINANCIAL CORP?

ChartMill assigns a valuation rating of 8 / 10 to CHEMUNG FINANCIAL CORP (CHMG). This can be considered as Undervalued.


How profitable is CHEMUNG FINANCIAL CORP (CHMG) stock?

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


Can you provide the PE and PB ratios for CHMG stock?

The Price/Earnings (PE) ratio for CHEMUNG FINANCIAL CORP (CHMG) is 10.11 and the Price/Book (PB) ratio is 1.11.


Is the dividend of CHEMUNG FINANCIAL CORP sustainable?

The dividend rating of CHEMUNG FINANCIAL CORP (CHMG) is 6 / 10 and the dividend payout ratio is 41.84%.