Financhill
Buy
73

CHMG Quote, Financials, Valuation and Earnings

Last price:
$55.74
Seasonality move :
1.9%
Day range:
$52.66 - $53.50
52-week range:
$40.71 - $55.48
Dividend yield:
2.41%
P/E ratio:
19.31x
P/S ratio:
1.85x
P/B ratio:
1.05x
Volume:
8.3K
Avg. volume:
7.5K
1-year change:
-2.94%
Market cap:
$256.4M
Revenue:
$150.4M
EPS (TTM):
$2.77

Analysts' Opinion

  • Consensus Rating
    Chemung Financial Corp. has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 1 Buy rating, 1 Hold rating, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $61.50, Chemung Financial Corp. has an estimated upside of 15% from its current price of $53.48.
  • Price Target Downside
    According to analysts, the lowest downside price target is $60.00 representing 100% downside risk from its current price of $53.48.

Fair Value

  • According to the consensus of 2 analysts, Chemung Financial Corp. has 15% upside to fair value with a price target of $61.50 per share.

CHMG vs. S&P 500

  • Over the past 5 trading days, Chemung Financial Corp. has overperformed the S&P 500 by 2.05% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Chemung Financial Corp. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Chemung Financial Corp. has grown year-over-year revenues for 1 quarter straight. In the most recent quarter Chemung Financial Corp. reported revenues of $39.8M.

Earnings Growth

  • Chemung Financial Corp. has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Chemung Financial Corp. reported earnings per share of $1.60.
Enterprise value:
309.1M
EV / Invested capital:
1.04x
Price / LTM sales:
1.85x
EV / EBIT:
4.79x
EV / Revenue:
2.23x
PEG ratio (5yr expected):
--
EV / Free cash flow:
9.47x
Price / Operating cash flow:
7.86x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.48%
Net Income Margin (TTM):
9.58%
Return On Equity:
5.79%
Return On Invested Capital:
4.2%
Operating Margin:
25.28%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $131.6M $147.6M $138.3M $38.1M $39.8M
Gross Profit -- -- -- -- --
Operating Income $36.4M $27.2M $16.4M $7.2M $10.1M
EBITDA -- -- -- -- --
Diluted EPS $6.07 $4.53 $2.77 $1.20 $1.60
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $67.9M $49.7M $85.2M $88.2M $116.2M
Total Assets $2.4B $2.6B $2.7B $2.8B $2.7B
Current Liabilities $1.7B $1.7B $1.6B $1.6B $1.6B
Total Liabilities $2.2B $2.4B $2.5B $2.6B $2.5B
Total Equity $206.1M $155.5M $170.1M $220.7M $245.3M
Total Debt $10.6M $10M $8.9M $9.3M $52.4M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $29.8M $27.2M $35.6M $9.2M $12.3M
Cash From Investing -$131M -$43.4M $96.4M -$1.2M -$57.6M
Cash From Financing $134.4M $21M -$104.8M $2.3M -$167.1M
Free Cash Flow $29.3M $25.5M $32.6M $8.6M $11.9M
CHMG
Sector
Market Cap
$256.4M
$553.6M
Price % of 52-Week High
96.4%
90.07%
Dividend Yield
2.41%
1.64%
Shareholder Yield
5.64%
3.16%
1-Year Price Total Return
-2.94%
1.34%
Beta (5-Year)
0.490
0.481
Dividend yield:
2.41%
Annualized payout:
$1.24
Payout ratio:
21.31%
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $52.95
200-day SMA
Buy
Level $49.70
Bollinger Bands (100)
Buy
Level 50.77 - 53.15
Chaikin Money Flow
Sell
Level -1.4M
20-day SMA
Buy
Level $52.03
Relative Strength Index (RSI14)
Buy
Level 59.63
ADX Line
Buy
Level 28.02
Williams %R
Sell
Level -8.589
50-day SMA
Buy
Level $51.71
MACD (12, 26)
Buy
Level 0.52
25-day Aroon Oscillator
Buy
Level 88
On Balance Volume
Sell
Level -693K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.6068)
Sell
CA Score (Annual)
Level (-2.2591)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (6.9315)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Chemung Financial Corp. is a holding company, which engages in the provision of banking, financing, fiduciary, and other financial services. It operates through the Core Banking and Wealth Management Services (WMG) segments. The Core Banking segment attracts deposits from the general public to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the local markets of the firm and to invest in securities. The WMG segment provides trust and investment advisory services to clients. The company was founded on January 2, 1985 and is headquartered in Elmira, NY.

Stock Forecast FAQ

In the current month, CHMG has received 1 Buy ratings 1 Hold ratings, and 0 Sell ratings. The CHMG average analyst price target in the past 3 months is $61.50.

  • Where Will Chemung Financial Corp. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Chemung Financial Corp. share price will rise to $61.50 per share over the next 12 months.

  • What Do Analysts Say About Chemung Financial Corp.?

    Analysts are divided on their view about Chemung Financial Corp. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Chemung Financial Corp. is a Sell and believe this share price will drop from its current level to $60.00.

  • What Is Chemung Financial Corp.'s Price Target?

    The price target for Chemung Financial Corp. over the next 1-year time period is forecast to be $61.50 according to 2 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.

  • Is CHMG A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Chemung Financial Corp. is a Leans Bullish. 1 of 2 analysts rates the stock a Leans Bullish at this time.

  • How Can I Buy Shares Of CHMG?

    You can purchase shares of Chemung Financial Corp. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Chemung Financial Corp. shares.

  • What Is The Chemung Financial Corp. Share Price Today?

    Chemung Financial Corp. was last trading at $55.74 per share. This represents the most recent stock quote for Chemung Financial Corp.. Yesterday, Chemung Financial Corp. closed at $53.48 per share.

  • How To Buy Chemung Financial Corp. Stock Online?

    In order to purchase Chemung Financial Corp. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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