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Chemung Financial Corporation CHMG

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Price alert · CHMG

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88.05 USD +1.78 +2.06%

As of Nov 2, 2:31 PM ET

Bid
87.51 × 9
Ask
88.40 × 2
86.74 Day range 89.27
50.05 52-week range 89.27
YTD
+57.80%
1 year
+73.77%
Open
87.23
Prev close
86.27
Mkt cap
424.53M
Vol
71.45K
Avg vol
67.70K
EPS
7.97
P/E
11.05
Div yield
1.64%
More statistics
Low
86.74
High
89.27
Forward P/E
9.36
Beta
0.17
Short ratio
0.84
Inst. own
42.18%
Dividend
1.24
Ex-div date
Dec 18, 2024
Earnings
Jan 23, 2025
50-d avg
50.54
200-d avg
46.06
1y target
57.00

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Financial health

Altman Z-Score

-0.57 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 17.8×
FY 2016: 17.2×FY 2017: 22.3×FY 2018: 10.2×FY 2019: 13.2×FY 2020: 8.5×FY 2021: 8.2×FY 2022: 7.5×FY 2023: 9.4×FY 2024: 9.8×FY 2025: 17.8×
FY 2016 5y median 9.4× FY 2025
P/S 1.9×
FY 2016: 2.3×FY 2017: 2.9×FY 2018: 2.3×FY 2019: 2.4×FY 2020: 1.9×FY 2021: 2.4×FY 2022: 2.1×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/B 1.1×
FY 2016: 1.2×FY 2017: 1.5×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 6.1×
FY 2016: 8.5×FY 2017: 10.4×FY 2018: 7.7×FY 2019: 8.1×FY 2020: 5.9×FY 2021: 6.2×FY 2022: 6.2×FY 2023: 7.7×FY 2024: 8.9×FY 2025: 6.1×
FY 2016 5y median 6.2× FY 2025
EV/EBITDA 11.1×
FY 2016: 7.2×FY 2017: 14.2×FY 2018: 2.7×FY 2019: 4.1×FY 2020: 2.3×FY 2021: 5.8×FY 2022: 6.6×FY 2023: 7.0×FY 2024: 9.5×FY 2025: 11.1×
FY 2016 5y median 7.0× FY 2025
EV/Sales 1.8×
FY 2016: 1.8×FY 2017: 3.4×FY 2018: 0.9×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 2.4×FY 2022: 2.6×FY 2023: 1.8×FY 2024: 2.0×FY 2025: 1.8×
FY 2016 5y median 2.0× FY 2025
FCF Yield 16.3%
FY 2016: 11.8%FY 2017: 9.6%FY 2018: 13.0%FY 2019: 12.3%FY 2020: 17.0%FY 2021: 16.1%FY 2022: 16.1%FY 2023: 12.9%FY 2024: 11.2%FY 2025: 16.3%
FY 2016 5y median 16.1% FY 2025

Profitability

Gross Margin 64.2%
FY 2016: 91.8%FY 2017: 84.9%FY 2018: 91.7%FY 2019: 85.8%FY 2020: 90.5%FY 2021: 96.3%FY 2022: 93.4%FY 2023: 69.3%FY 2024: 64.3%FY 2025: 64.2%
FY 2016 5y median 69.3% FY 2025
Operating Margin 14.2%
FY 2016: 18.8%FY 2017: 18.4%FY 2018: 27.2%FY 2019: 22.1%FY 2020: 27.5%FY 2021: 36.8%FY 2022: 36.2%FY 2023: 23.1%FY 2024: 20.1%FY 2025: 14.2%
FY 2016 5y median 23.1% FY 2025
Net Margin 10.8%
FY 2016: 13.1%FY 2017: 9.3%FY 2018: 22.6%FY 2019: 18.1%FY 2020: 22.2%FY 2021: 28.8%FY 2022: 28.2%FY 2023: 18.3%FY 2024: 15.8%FY 2025: 10.8%
FY 2016 5y median 18.3% FY 2025
ROE 5.9%
FY 2016: 7.0%FY 2017: 5.0%FY 2018: 11.9%FY 2019: 8.5%FY 2020: 9.6%FY 2021: 12.5%FY 2022: 17.3%FY 2023: 12.8%FY 2024: 11.0%FY 2025: 5.9%
FY 2016 5y median 12.5% FY 2025
ROIC 3.4%
FY 2016: 5.0%FY 2017: 3.1%FY 2018: 10.4%FY 2019: 7.3%FY 2020: 7.9%FY 2021: 10.7%FY 2022: 9.1%FY 2023: 8.9%FY 2024: 6.2%FY 2025: 3.4%
FY 2016 5y median 8.9% FY 2025
ROA 0.6%
FY 2016: 0.6%FY 2017: 0.4%FY 2018: 1.1%FY 2019: 0.9%FY 2020: 0.8%FY 2021: 1.1%FY 2022: 1.1%FY 2023: 0.9%FY 2024: 0.9%FY 2025: 0.6%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -6.5%
FY 2016: 3.6%FY 2017: 4.2%FY 2018: 8.7%FY 2019: -0.6%FY 2020: 0.7%FY 2021: 5.7%FY 2022: 11.0%FY 2023: 34.0%FY 2024: 9.5%FY 2025: -6.5%
FY 2016 FY 2025
Operating Income -33.7%
FY 2016: 2.4%FY 2017: 1.8%FY 2018: 60.9%FY 2019: -19.4%FY 2020: 25.3%FY 2021: 41.4%FY 2022: 9.3%FY 2023: -14.6%FY 2024: -4.5%FY 2025: -33.7%
FY 2016 FY 2025
EPS (diluted) -36.9%
FY 2016: 5.5%FY 2017: 2.4%FY 2018: 88.0%FY 2019: -20.9%FY 2020: 24.9%FY 2021: 40.6%FY 2022: 8.7%FY 2023: -13.9%FY 2024: -6.1%FY 2025: -36.9%
FY 2016 FY 2025
Free Cash Flow 67.3%
FY 2016: 57.6%FY 2017: 8.4%FY 2018: 17.3%FY 2019: -1.8%FY 2020: 8.9%FY 2021: 26.3%FY 2022: -1.3%FY 2023: -12.1%FY 2024: -13.9%FY 2025: 67.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.0×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.6×FY 2023: 0.2×FY 2024: 0.6×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -0.8×
FY 2016: -1.7×FY 2017: 2.3×FY 2018: -4.5×FY 2019: -4.7×FY 2020: -3.5×FY 2021: -0.0×FY 2022: 1.2×FY 2023: 0.1×FY 2024: 2.2×FY 2025: -0.8×
FY 2016 5y median 0.1× FY 2025
Interest Coverage 0.4×
FY 2016: 3.8×FY 2017: 4.8×FY 2018: 5.8×FY 2019: 3.0×FY 2020: 6.0×FY 2021: 9.9×FY 2022: 5.1×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.4×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 2.4%
FY 2016: 2.8%FY 2017: 2.1%FY 2018: 2.5%FY 2019: 2.4%FY 2020: 3.1%FY 2021: 2.4%FY 2022: 2.7%FY 2023: 2.5%FY 2024: 3.2%FY 2025: 2.4%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 41.9%
FY 2016: 48.6%FY 2017: 66.2%FY 2018: 25.3%FY 2019: 32.2%FY 2020: 26.0%FY 2021: 20.1%FY 2022: 20.1%FY 2023: 23.4%FY 2024: 31.1%FY 2025: 41.9%
FY 2016 5y median 23.4% FY 2025

Annual · latest fiscal year ends 2025-12-31