CHEMUNG FINANCIAL CORP (CHMG) Stock Fundamental Analysis

NASDAQ:CHMG • US1640241014

60.68 USD
+0.4 (+0.66%)
Last: Feb 12, 2026, 04:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CHMG. CHMG was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of CHMG have multiple concerns. CHMG scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CHMG had positive earnings in the past year.
  • In the past year CHMG had a positive cash flow from operations.
  • CHMG had positive earnings in 4 of the past 5 years.
  • 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's Return On Assets of 0.49% is on the low side compared to the rest of the industry. CHMG is outperformed by 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

  • CHMG has a Profit Margin of 14.58%. This is in the lower half of the industry: CHMG underperforms 78.22% of its industry peers.
  • In the last couple of years the Profit Margin of CHMG has grown nicely.
  • CHMG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

  • CHMG has a debt to FCF ratio of 1.47. This is a very positive value and a sign of high solvency as it would only need 1.47 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.47, CHMG is in line with its industry, outperforming 56.17% of the companies in the same industry.
  • 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 comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC18.52%
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

  • The Earnings Per Share is expected to grow by 20.09% on average over the next years. This is a very strong growth
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.46, the valuation of CHMG can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of CHMG indicates a rather cheap valuation: CHMG is cheaper than 80.84% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. CHMG is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.38, the valuation of CHMG can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CHMG indicates a rather cheap valuation: CHMG is cheaper than 90.81% of the companies listed in the same industry.
  • CHMG is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.46
Fwd PE 8.38
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

  • 79.00% 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 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 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)0.42
PEG (5Y)1.37
EPS Next 2Y20.09%
EPS Next 3YN/A

More info and screens

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%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.53, CHMG is paying slightly less dividend.
  • 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 paid a dividend for at least 10 years, which is 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.
  • The dividend of CHMG is growing, but earnings are growing more, so the dividend growth is 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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Find the best dividend stocksShow peers with best dividend

CHEMUNG FINANCIAL CORP

NASDAQ:CHMG (2/12/2026, 4:30:00 PM)

60.68

+0.4 (+0.66%)

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 Cap290.66M
Revenue(TTM)N/A
Net Income(TTM)13.19M
Analysts82.5
Price Target65.28 (7.58%)
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 10.46
Fwd PE 8.38
P/S 3.21
P/FCF 8.97
P/OCF 8.21
P/B 1.18
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)5.8
EY9.56%
EPS(NY)7.24
Fwd EY11.93%
FCF(TTM)6.76
FCFY11.15%
OCF(TTM)7.39
OCFY12.18%
SpS18.89
BVpS51.21
TBVpS46.66
PEG (NY)0.42
PEG (5Y)1.37
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
WACC18.52%
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 10.46 and the Price/Book (PB) ratio is 1.18.


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.