CHMG
Chemung Financial Corporation
Price Chart
Latest Quote
$70.97
+0.72 (+1.02%)
Current Price
| Previous Close | $70.25 |
| Open | $70.95 |
| Day High | $72.42 |
| Day Low | $69.54 |
| Volume | 108,338 |
Stock Information
| Quarterly Dividend / Yield | $1.36 / 1.91% |
| Shares Outstanding | 4.82M |
| Quarterly Dividend Yield | 1.91% |
| Quarterly Dividend | $1.36 |
| Total Debt | $145.60M |
| Cash Equivalents | $70.04M |
| Revenue | $95.35M |
| Net Income | $18.28M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $342.06M |
| P/E Ratio | 18.73 |
| EPS (TTM) | $3.79 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $419.02M |
| Sales | $95.35M |
| Income | $18.28M |
| Book/sh | $54.56 |
| Cash/sh | $14.53 |
| Employees | 348 |
Financial Ratios
| EPS Growth TTM | 52.70% |
Returns & Margins
| ROA | 0.66% |
| ROE | 7.44% |
| Operating Margin | 41.51% |
| Profit Margin | 19.17% |
Ownership
| Insider Ownership | 18.07% |
| Institutional Ownership | 47.86% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.42 |
| P/S | 3.59 |
| P/B | 1.30 |
Analyst Data
| Recommendation | none |
| Target Price | $70.25 |
Technical Indicators
| SMA20 | $nan |
| SMA50 | $nan |
| SMA200 | $nan |
| RSI | 58.88 |
| ATR | nan |
| Shares Float | 3.51M |
| Short Float | 0.77% |
| Short Ratio | 0.78 |
| Volatility | 0.62 |
| Rel Volume | 2.14 |
Performance History
| Week | -1.52% |
| Month | +6.27% |
| Quarter | +38.74% |
| 6 Months | +21.18% |
| YTD | +31.71% |
| Year | +57.17% |
| 3 Years | +95.80% |
| 5 Years | +90.19% |
| 10 Years | +213.10% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $nan | 108,338 |
| 2026-06-17 | $70.25 | 62,100 |
| 2026-06-16 | $70.92 | 56,700 |
| 2026-06-15 | $70.16 | 20,100 |
| 2026-06-12 | $72.16 | 32,700 |
| 2026-06-11 | $72.06 | 40,600 |
| 2026-06-10 | $71.89 | 58,000 |
| 2026-06-09 | $71.13 | 39,500 |
| 2026-06-08 | $71.09 | 54,600 |
| 2026-06-05 | $70.69 | 59,700 |
| 2026-06-04 | $69.44 | 54,200 |
| 2026-06-03 | $67.20 | 52,900 |
| 2026-06-02 | $68.92 | 52,300 |
| 2026-06-01 | $68.37 | 67,300 |
| 2026-05-29 | $68.35 | 41,100 |
| 2026-05-28 | $69.04 | 25,300 |
| 2026-05-27 | $68.51 | 38,700 |
| 2026-05-26 | $69.32 | 72,700 |
| 2026-05-22 | $68.61 | 44,400 |
| 2026-05-21 | $68.49 | 33,600 |
| 2026-05-20 | $67.67 | 42,700 |
| 2026-05-19 | $66.78 | 64,600 |
About Chemung Financial Corporation
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.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $93,950,000 | $96,107,000 | $97,959,000 | $94,614,000 |
| Operating Revenue | $93,950,000 | $96,107,000 | $97,959,000 | $94,614,000 |
| Expenses | ||||
| Interest Expense | $45,678,000 | $53,505,000 | $38,617,000 | $7,296,000 |
| Selling And Marketing Expense | $1,248,000 | $1,182,000 | $923,000 | $941,000 |
| General And Administrative Expense | $40,522,000 | $37,751,000 | $35,652,000 | $32,430,000 |
| Professional Expense And Contract Services Expense | $2,706,000 | $2,353,000 | $2,293,000 | $2,171,000 |
| Other Non Interest Expense | $17,587,000 | $17,291,000 | $16,963,000 | $15,277,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Net Interest Income | $87,157,000 | $74,059,000 | $74,457,000 | $74,179,000 |
| Interest Income | $132,835,000 | $127,564,000 | $113,074,000 | $81,475,000 |
| Normalized Income | $15,102,485 | $23,685,162 | $24,970,622 | $28,736,200 |
| Net Income From Continuing And Discontinued Operation | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Net Income Common Stockholders | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Net Income | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Net Income Including Noncontrolling Interests | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Net Income Continuous Operations | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Pretax Income | $19,936,000 | $30,085,000 | $31,501,000 | $36,889,000 |
| Depreciation Amortization Depletion Income Statement | - | - | $0 | $15,000 |
| Depreciation And Amortization In Income Statement | - | - | $0 | $15,000 |
| Amortization Of Intangibles Income Statement | - | - | $0 | $15,000 |
| Per Share | ||||
| Diluted EPS | $3.14 | $4.96 | $5.28 | $6.13 |
| Basic EPS | $3.14 | $4.96 | $5.28 | $6.13 |
| Other | ||||
| Tax Effect Of Unusual Items | $485 | $-3,838 | $7,622 | $13,200 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $2,000 | $-18,000 | $37,000 | $60,000 |
| Total Unusual Items Excluding Goodwill | $2,000 | $-18,000 | $37,000 | $60,000 |
| Reconciled Depreciation | $2,666,000 | $2,016,000 | $2,802,000 | $3,026,000 |
| Diluted Average Shares | $4,804,000 | $4,770,000 | $4,732,000 | $4,693,000 |
| Basic Average Shares | $4,804,000 | $4,770,000 | $4,732,000 | $4,693,000 |
| Diluted NI Availto Com Stockholders | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Tax Provision | $4,832,000 | $6,414,000 | $6,501,000 | $8,106,000 |
| Gain On Sale Of Security | $-17,287,000 | $179,000 | $64,000 | $-349,000 |
| Selling General And Administration | $41,770,000 | $38,933,000 | $36,575,000 | $33,371,000 |
| Insurance And Claims | $1,518,000 | $2,120,000 | $2,128,000 | $1,356,000 |
| Salaries And Wages | $39,004,000 | $35,631,000 | $33,524,000 | $31,074,000 |
| Occupancy And Equipment | $7,514,000 | $7,491,000 | $7,365,000 | $7,445,000 |
| Amortization | - | - | $0 | $15,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $232,885,000 | $193,485,000 | $173,417,000 | $144,564,000 |
| Total Assets | $2,710,235,000 | $2,776,147,000 | $2,710,529,000 | $2,645,553,000 |
| Goodwill And Other Intangible Assets | $21,824,000 | $21,824,000 | $21,824,000 | $21,824,000 |
| Cash And Cash Equivalents | $50,097,000 | $47,035,000 | $36,847,000 | $55,869,000 |
| Cash Financial | $22,772,000 | $26,224,000 | $22,247,000 | $29,309,000 |
| Cash Cash Equivalents And Federal Funds Sold | $50,097,000 | $47,035,000 | $36,847,000 | $55,869,000 |
| Receivables | - | - | - | $59,457,000 |
| Accounts Receivable | - | - | - | $59,457,000 |
| Other Intangible Assets | - | - | - | - |
| Debt | ||||
| Net Debt | $81,041,000 | $62,075,000 | - | $39,941,000 |
| Total Debt | $139,519,000 | $118,518,000 | $40,797,000 | $105,757,000 |
| Long Term Debt And Capital Lease Obligation | $52,409,000 | $9,408,000 | $8,877,000 | $9,947,000 |
| Long Term Debt | $44,028,000 | - | - | - |
| Current Debt And Capital Lease Obligation | $87,110,000 | $109,110,000 | $31,920,000 | $95,810,000 |
| Current Debt | $87,110,000 | $109,110,000 | $31,920,000 | $95,810,000 |
| Other Current Borrowings | $87,110,000 | $109,110,000 | $31,920,000 | $95,810,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,455,526,000 | $2,560,838,000 | $2,515,288,000 | $2,479,165,000 |
| Derivative Product Liabilities | $17,412,000 | $23,851,000 | $23,981,000 | $26,761,000 |
| Payables And Accrued Expenses | - | $0 | $1,469,000 | $1,455,000 |
| Payables | - | $0 | $1,469,000 | $1,455,000 |
| Dividends Payable | - | $0 | $1,469,000 | $1,455,000 |
| Accounts Payable | - | - | $19,614,000 | $17,965,000 |
| Equity | ||||
| Common Stock Equity | $254,709,000 | $215,309,000 | $195,241,000 | $166,388,000 |
| Total Equity Gross Minority Interest | $254,709,000 | $215,309,000 | $195,241,000 | $166,388,000 |
| Stockholders Equity | $254,709,000 | $215,309,000 | $195,241,000 | $166,388,000 |
| Gains Losses Not Affecting Retained Earnings | $-36,053,000 | $-65,065,000 | $-66,013,000 | $-75,257,000 |
| Other Equity Adjustments | $-36,053,000 | $-65,065,000 | $-66,013,000 | $-75,257,000 |
| Retained Earnings | $256,484,000 | $247,705,000 | $229,930,000 | $211,859,000 |
| Other | ||||
| Treasury Shares Number | $519,079 | $555,881 | $572,663 | $615,448 |
| Ordinary Shares Number | $4,809,000 | $4,771,000 | $4,737,413 | $4,694,628 |
| Share Issued | $5,328,079 | $5,326,881 | $5,310,076 | $5,310,076 |
| Tangible Book Value | $232,885,000 | $193,485,000 | $173,417,000 | $144,564,000 |
| Invested Capital | $385,847,000 | $324,419,000 | $227,161,000 | $262,198,000 |
| Capital Lease Obligations | $8,381,000 | $9,408,000 | $8,877,000 | $9,947,000 |
| Total Capitalization | $298,737,000 | - | - | - |
| Treasury Stock | $15,322,000 | $16,167,000 | $16,502,000 | $17,598,000 |
| Additional Paid In Capital | $49,547,000 | $48,783,000 | $47,773,000 | $47,331,000 |
| Capital Stock | $53,000 | $53,000 | $53,000 | $53,000 |
| Common Stock | $53,000 | $53,000 | $53,000 | $53,000 |
| Long Term Capital Lease Obligation | $8,381,000 | $9,408,000 | $8,877,000 | $9,947,000 |
| Investments And Advances | $285,003,000 | $535,485,000 | $587,824,000 | $637,843,000 |
| Held To Maturity Securities | $640,000 | $808,000 | $785,000 | $2,424,000 |
| Available For Sale Securities | $30,069,000 | $3,235,000 | $3,046,000 | $2,830,000 |
| Goodwill | $21,824,000 | $21,824,000 | $21,824,000 | $21,824,000 |
| Net PPE | $20,156,000 | $21,821,000 | $20,219,000 | $22,562,000 |
| Accumulated Depreciation | $-72,233,000 | $-70,936,000 | $-73,743,000 | $-71,685,000 |
| Gross PPE | $92,389,000 | $92,757,000 | $93,962,000 | $94,247,000 |
| Leases | $11,227,000 | $11,944,000 | $11,323,000 | $12,108,000 |
| Construction In Progress | $11,000 | $78,000 | $11,000 | $82,000 |
| Machinery Furniture Equipment | $37,251,000 | $36,975,000 | $37,237,000 | $36,964,000 |
| Buildings And Improvements | $39,602,000 | $39,462,000 | $40,727,000 | $40,419,000 |
| Land And Improvements | $4,298,000 | $4,298,000 | $4,664,000 | $4,674,000 |
| Other Short Term Investments | $254,294,000 | $531,442,000 | $583,993,000 | $632,589,000 |
Fetched: 2026-06-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $43,812,000 | $26,189,000 | $30,419,000 | $34,621,000 |
| Operating Activities | ||||
| Operating Cash Flow | $45,499,000 | $29,815,000 | $30,881,000 | $35,047,000 |
| Cash Flow From Continuing Operating Activities | $45,499,000 | $29,815,000 | $30,881,000 | $35,047,000 |
| Operating Gains Losses | $16,707,000 | $-270,000 | $-157,000 | $-224,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,687,000 | $-3,626,000 | $-462,000 | $-426,000 |
| Investing Cash Flow | $68,320,000 | $-57,723,000 | $-82,381,000 | $-252,620,000 |
| Cash Flow From Continuing Investing Activities | $68,320,000 | $-57,723,000 | $-82,381,000 | $-252,620,000 |
| Net Other Investing Changes | $64,000 | $-3,216,000 | $2,987,000 | $-3,653,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-396,000 | $-344,000 | $-316,000 | $-933,000 |
| Issuance Of Capital Stock | $536,000 | $430,000 | $601,000 | $424,000 |
| Financing Cash Flow | $-110,757,000 | $38,096,000 | $32,478,000 | $246,461,000 |
| Cash Flow From Continuing Financing Activities | $-110,757,000 | $38,096,000 | $32,478,000 | $246,461,000 |
| Net Other Financing Charges | $-1,028,000 | - | - | - |
| Cash Dividends Paid | $-6,325,000 | $-7,365,000 | $-5,840,000 | $-5,797,000 |
| Common Stock Dividend Paid | $-6,325,000 | $-7,365,000 | $-5,840,000 | $-5,797,000 |
| Net Common Stock Issuance | $140,000 | $86,000 | $285,000 | $-509,000 |
| Common Stock Issuance | $536,000 | $430,000 | $601,000 | $424,000 |
| Other | ||||
| Repayment Of Debt | $-335,000 | - | $-277,000 | $-267,000 |
| Issuance Of Debt | $45,000,000 | $729,000 | - | - |
| Interest Paid Supplemental Data | $47,308,000 | $53,018,000 | $36,502,000 | $6,642,000 |
| Income Tax Paid Supplemental Data | $6,348,000 | $6,084,000 | $7,863,000 | $5,625,000 |
| End Cash Position | $50,097,000 | $47,035,000 | $36,847,000 | $55,869,000 |
| Beginning Cash Position | $47,035,000 | $36,847,000 | $55,869,000 | $26,981,000 |
| Changes In Cash | $3,062,000 | $10,188,000 | $-19,022,000 | $28,888,000 |
| Common Stock Payments | $-396,000 | $-344,000 | $-316,000 | $-933,000 |
| Net Issuance Payments Of Debt | $22,665,000 | $77,919,000 | $-64,167,000 | $80,973,000 |
| Net Short Term Debt Issuance | $-22,000,000 | $77,190,000 | $-63,890,000 | $81,240,000 |
| Net Long Term Debt Issuance | $44,665,000 | $729,000 | $-277,000 | $-267,000 |
| Long Term Debt Payments | $-335,000 | - | $-277,000 | $-267,000 |
| Long Term Debt Issuance | $45,000,000 | $729,000 | - | - |
| Net Investment Purchase And Sale | $270,616,000 | $49,539,000 | $59,256,000 | $63,818,000 |
| Sale Of Investment | $274,766,000 | $54,696,000 | $62,465,000 | $88,541,000 |
| Purchase Of Investment | $-4,150,000 | $-5,157,000 | $-3,209,000 | $-24,723,000 |
| Net PPE Purchase And Sale | $-282,000 | $-3,582,000 | $-462,000 | $-426,000 |
| Sale Of PPE | $1,405,000 | $44,000 | $0 | - |
| Purchase Of PPE | $-1,687,000 | $-3,626,000 | $-462,000 | $-426,000 |
| Change In Working Capital | $7,407,000 | $-47,000 | $844,000 | $26,183,000 |
| Change In Other Current Liabilities | $4,143,000 | $2,119,000 | $-1,271,000 | $25,529,000 |
| Change In Other Current Assets | $4,533,000 | $-2,167,000 | - | - |
| Change In Payables And Accrued Expense | $-1,630,000 | $487,000 | $2,115,000 | $654,000 |
| Change In Payable | $-1,630,000 | $487,000 | $2,115,000 | $654,000 |
| Change In Account Payable | $-1,630,000 | $487,000 | $2,115,000 | $654,000 |
| Change In Receivables | $361,000 | $-486,000 | - | - |
| Changes In Account Receivables | $361,000 | $-486,000 | - | - |
| Other Non Cash Items | $-822,000 | $7,000 | $-2,921,000 | $-28,794,000 |
| Stock Based Compensation | $1,446,000 | $1,238,000 | $1,139,000 | $795,000 |
| Unrealized Gain Loss On Investment Securities | $-211,000 | $-179,000 | $-103,000 | $349,000 |
| Asset Impairment Charge | $0 | $45,000 | $3,000 | $0 |
| Deferred Tax | $-2,673,000 | $1,121,000 | $-1,609,000 | $1,722,000 |
| Deferred Income Tax | $-2,673,000 | $1,121,000 | $-1,609,000 | $1,722,000 |
| Depreciation Amortization Depletion | $2,666,000 | $2,016,000 | $2,802,000 | $3,026,000 |
| Depreciation And Amortization | $2,666,000 | $2,016,000 | $2,802,000 | $3,026,000 |
| Depreciation | $2,666,000 | $2,016,000 | $2,802,000 | $3,011,000 |
| Gain Loss On Investment Securities | $17,498,000 | $0 | - | - |
| Gain Loss On Sale Of PPE | $-640,000 | $-39,000 | $3,000 | $56,000 |
| Net Income From Continuing Operations | $15,104,000 | $23,671,000 | $25,000,000 | $28,783,000 |
| Amortization Cash Flow | - | $0 | $0 | $15,000 |
| Amortization Of Intangibles | - | $0 | $0 | $15,000 |
Fetched: 2026-06-15