Chemung Financial Corporation CHMG R2K
Company Overview
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.
Why Investors Should Care
Maintains a net profit margin of 19.2%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +19.1%, earnings +51.7%.
- 5-Year Trend Long-term compounding — profit CAGR 6.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 19.10% |
Compounded Profit Growth
| 5 Years: | 6.85% |
| 1 Year: | 51.70% |
Stock Price Performance
| 1 Year: | +42.13% |
| 6 Months: | +40.03% |
| 3 Months: | +26.95% |
| 1 Month: | +3.74% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)59.43 · Neutral
P/E of 19.73 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CHMG Chemung Financial Corporation R2K | 74.76 | 19.73 | $360.33M | 1.87% | - | 7.44% | - | 6.85% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2013 | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 2.41M | 2.65M | 2.18M | 2.06M | 1.93M | -319.00K | 2.28M | 2.58M | 2.45M | 2.71M | 1.62M | 2.75M | 2.98M | 2.96M | 3.65M | 4.44M | 2.53M | 6.93M | 4.47M | 4.98M | 1.96M | 2.49M | 5.83M | 5.71M | 6.53M | 6.79M | 6.65M | 6.87M | 8.02M | 6.45M | 7.27M | 6.28M | 7.65M | 7.05M | 4.99M | 5.72M | 6.02M | -6.45M | 7.79M | 9.20M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.20 | 1.19 | 1.39 | 1.45 | 1.42 | 1.46 | 1.72 | 1.37 | 1.54 | 1.33 | 1.61 | 1.48 | 1.05 | 1.19 | 1.26 | -1.35 | 1.62 | 1.91 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 5.23M | 10.10M | 10.54M | 11.02M | 8.73M | 8.16M | 9.43M | 10.03M | 7.43M | 19.63M | 15.61M | 19.26M | 26.43M | 28.78M | 25.00M | 23.67M | 15.10M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | 4.01 | 5.64 | 6.13 | 5.28 | 4.96 | 3.14 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 958.33M | 1.22B | 1.25B | 1.48B | 1.52B | 1.62B | 1.66B | 1.71B | 1.76B | 1.79B | 2.28B | 2.42B | 2.65B | 2.71B | 2.78B | 2.71B |
| Total Equity | 83.01M | 90.09M | 97.41M | 125.93M | 131.12M | 138.58M | 133.63M | 137.24M | 143.75M | 149.81M | 165.03M | 182.63M | 199.70M | 211.46M | 166.39M | 195.24M | 215.31M | 254.71M |
| Cash & Equivalents | 23.65M | 79.74M | 60.62M | 52.90M | 40.24M | 51.61M | 29.16M | 26.18M | 74.16M | 30.73M | 129.97M | 121.90M | 108.54M | 26.98M | 55.87M | 36.85M | 47.03M | 50.10M |
| Total Liabilities | - | - | 860.92M | 1.09B | 1.12B | 1.34B | 1.39B | 1.48B | 1.51B | 1.56B | 1.59B | 1.61B | 2.08B | 2.21B | 2.48B | 2.52B | 2.56B | 2.46B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 8.68M | 17.82M | 9.17M | 24.56M | 22.97M | - | - | 22.14M | 23.64M | 27.77M | 26.41M | 28.66M | 35.46M | 35.05M | 30.88M | 29.82M | 45.50M |
| Investing Cash Flow | -11.30M | -8.96M | -5.06M | -56.86M | -46.49M | - | - | -729.00K | -106.64M | 43.92M | -32.71M | -495.85M | -242.48M | -252.62M | -82.38M | -57.72M | 68.32M |
| Financing Cash Flow | 58.71M | -27.98M | -11.82M | 19.63M | 34.88M | - | - | 26.57M | 39.56M | 27.55M | -1.76M | 453.82M | 125.47M | 246.46M | 32.48M | 38.10M | -110.76M |
| Capital Expenditure | -1.82M | -2.08M | -2.55M | -3.67M | -3.71M | -2.59M | -1.15M | -1.70M | -1.48M | -1.77M | -883.00K | -867.00K | -367.00K | -426.00K | -462.00K | -3.63M | -1.69M |
| Free Cash Flow | 6.86M | 15.74M | 6.62M | 20.89M | 19.26M | - | - | 20.45M | 22.16M | 26.00M | 25.52M | 27.79M | 35.09M | 34.62M | 30.42M | 26.19M | 43.81M |
| Share Buybacks | 156.14K | 425.57K | 501.30K | 636.00K | 93.00K | 0 | 0 | - | - | 0 | 0 | 7.59M | 1.62M | 933.00K | 316.00K | 344.00K | 396.00K |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 5.8% | 10.4% | 8.4% | 8.4% | 6.3% | 6.1% | 6.9% | 7.0% | 5.0% | 11.9% | 8.5% | 9.6% | 12.5% | 17.3% | 12.8% | 11.0% | 5.9% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.51% | 361.83K | $26.87M |
| 2 | Chemung Canal Trust Company | 5.94% | 286.15K | $21.25M |
| 3 | Dimensional Fund Advisors LP | 3.77% | 181.84K | $13.50M |
| 4 | Vanguard Capital Management LLC | 3.59% | 173.24K | $12.86M |
| 5 | Manufacturers Life Insurance Co. | 3.27% | 157.63K | $11.70M |
| 6 | PL Capital Advisors, LLC | 2.27% | 109.34K | $8.12M |
| 7 | Geode Capital Management, LLC | 1.88% | 90.46K | $6.72M |
| 8 | Acadian Asset Management. LLC | 1.63% | 78.42K | $5.82M |
| 9 | State Street Corporation | 1.21% | 58.13K | $4.32M |
| 10 | Bridgeway Capital Management, LLC | 1.08% | 52.21K | $3.88M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CHMG
Are You Looking for a High-Growth Dividend Stock? - Yahoo Finance
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Chemung Financial Corporation(NasdaqGS:CHMG) added to Russell Small Cap Comp Growth Benchmark - marketscreener.com
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Chemung Financial Corp Q1 2026 Earnings: Strong EPS Beat Driven by Operational Efficiency - Profit Inflection Point - dars.gov.et
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Chemung Financial Corp Q1 2026 Earnings: EPS Beat by 15% Despite Modest Stock Decline - Analyst Consensus Shift - DonanımHaber
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Chemung Financial Corporation Announces Quarterly Dividend - Yahoo Finance
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CHMG — Frequently Asked Questions
What is the current share price of Chemung Financial Corporation (CHMG)?
As of 2026-07-14 21:23 PDT, Chemung Financial Corporation (CHMG) trades at $74.76 on NasdaqGS. Its 52-week range is $48.00 to $76.28.
What is the market capitalisation of CHMG?
Chemung Financial Corporation (CHMG) has a market capitalisation of $360.33M on NasdaqGS.
What is the P/E ratio of CHMG?
CHMG trades at a trailing price-to-earnings (P/E) ratio of 19.73. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.33.
Does CHMG pay a dividend?
Chemung Financial Corporation (CHMG) currently offers a dividend yield of 1.87%.
What is the return on equity (ROE) of CHMG?
CHMG has a return on equity (ROE) of 7.44%.
Is CHMG a good stock to buy?
This page provides a data-driven analysis of Chemung Financial Corporation (CHMG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.