CHEMUNG FINANCIAL CORP (CHMG) Fundamental Analysis & Valuation

NASDAQ:CHMG • US1640241014

53.2 USD
-0.2 (-0.37%)
Last: Mar 11, 2026, 01:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Overall CHMG gets a fundamental rating of 4 out of 10. We evaluated CHMG against 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. CHMG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. CHMG Profitability Analysis

1.1 Basic Checks

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

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.49%, CHMG is doing worse than 81.63% of the companies in the same industry.
  • CHMG has a Return On Equity of 5.38%. This is in the lower half of the industry: CHMG underperforms 76.64% 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

  • Looking at the Profit Margin, with a value of 14.58%, CHMG is doing worse than 80.05% of the companies in the same industry.
  • 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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3

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.
  • 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's Debt to FCF ratio of 1.47 is fine compared to the rest of the industry. CHMG outperforms 60.10% of its industry peers.
  • CHMG has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.19, CHMG perfoms like the industry average, outperforming 43.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC19.47%
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. CHMG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.94% over the past year.
  • Measured over the past 5 years, CHMG shows a small growth in Earnings Per Share. The EPS has been growing by 7.66% on average per year.
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.
  • 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

  • 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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8

4. CHMG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.17 indicates a reasonable valuation of CHMG.
  • Based on the Price/Earnings ratio, CHMG is valued cheaper than 83.46% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.25, CHMG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.35, which indicates a rather cheap valuation of CHMG.
  • 92.39% of the companies in the same industry are more expensive than CHMG, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CHMG to the average of the S&P500 Index (24.39), we can say CHMG is valued rather cheaply.
Industry RankSector Rank
PE 9.17
Fwd PE 7.35
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

  • Based on the Price/Free Cash Flow ratio, CHMG is valued cheaper than 81.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.9
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

  • CHMG's 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)0.37
PEG (5Y)1.2
EPS Next 2Y20.09%
EPS Next 3YN/A

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

7

5. CHMG Dividend Analysis

5.1 Amount

  • CHMG has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.86, CHMG has a dividend in line with its industry peers.
  • CHMG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.46%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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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CHMG Fundamentals: All Metrics, Ratios and Statistics

CHEMUNG FINANCIAL CORP

NASDAQ:CHMG (3/11/2026, 1:16:29 PM)

53.2

-0.2 (-0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-16
Inst Owners45.99%
Inst Owner Change0.62%
Ins Owners7.67%
Ins Owner Change2.64%
Market Cap255.89M
Revenue(TTM)N/A
Net Income(TTM)13.19M
Analysts43.33
Price Target65.28 (22.71%)
Short Float %0.51%
Short Ratio2.93
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
Yearly Dividend1.55
Dividend Growth(5Y)8.39%
DP46.78%
Div Incr Years0
Div Non Decr Years14
Ex-Date03-18
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%
PT rev (3m)4.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.52%
EPS NY rev (1m)0%
EPS NY rev (3m)-46.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.71%
Valuation
Industry RankSector Rank
PE 9.17
Fwd PE 7.35
P/S 2.83
P/FCF 7.9
P/OCF 7.23
P/B 1.04
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)5.8
EY10.9%
EPS(NY)7.24
Fwd EY13.61%
FCF(TTM)6.73
FCFY12.66%
OCF(TTM)7.36
OCFY13.83%
SpS18.81
BVpS51
TBVpS46.46
PEG (NY)0.37
PEG (5Y)1.2
Graham Number81.58
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
WACC19.47%
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 4 / 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 9.17 and the Price/Book (PB) ratio is 1.04.


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.