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

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
CHMG
Chemung Financial Corp.
$28.1M $1.61 -23.75% 32.39% $61.50
AROW
Arrow Financial Corp.
$41M $0.72 -21.27% 203.37% $33.50
AUBN
Auburn National Bancorporation, Inc.
-- -- -- -- --
CZNC
Citizens & Northern Corp.
$28.5M $0.53 -13.4% 10.48% $22.00
PEBO
Peoples Bancorp, Inc. (Ohio)
$116.9M $0.82 -24.02% 15.77% $33.08
SHBI
Shore Bancshares, Inc.
$57.8M $0.45 -32.5% 17.43% $18.38
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CHMG
Chemung Financial Corp.
$53.48 $61.50 $256.4M 19.31x $0.34 2.41% 1.85x
AROW
Arrow Financial Corp.
$31.57 $33.50 $519.1M 15.18x $0.29 3.61% 2.23x
AUBN
Auburn National Bancorporation, Inc.
$25.00 -- $87.3M 12.22x $0.27 4.32% 2.01x
CZNC
Citizens & Northern Corp.
$20.37 $22.00 $362.6M 11.65x $0.28 5.5% 1.94x
PEBO
Peoples Bancorp, Inc. (Ohio)
$30.32 $33.08 $1.1B 10.61x $0.41 5.38% 1.74x
SHBI
Shore Bancshares, Inc.
$17.78 $18.38 $594.3M 10.43x $0.12 2.7% 1.75x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CHMG
Chemung Financial Corp.
17.67% 1.035 20.91% 0.00x
AROW
Arrow Financial Corp.
7.46% 0.732 7.24% 0.00x
AUBN
Auburn National Bancorporation, Inc.
-- 0.984 -- 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.740 56.63% 0.00x
PEBO
Peoples Bancorp, Inc. (Ohio)
37.88% 0.881 67.53% 0.00x
SHBI
Shore Bancshares, Inc.
19.06% 1.169 24.78% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CHMG
Chemung Financial Corp.
-- $10.1M 4.2% 5.79% 53.39% $11.9M
AROW
Arrow Financial Corp.
-- $16.6M 7.46% 8.5% 57.88% $14.3M
AUBN
Auburn National Bancorporation, Inc.
-- $2.9M 8.48% 8.48% 50.62% $3.5M
CZNC
Citizens & Northern Corp.
-- $8.9M 5.6% 9.51% 47.39% $8.5M
PEBO
Peoples Bancorp, Inc. (Ohio)
-- $38M 6.14% 8.84% 50.74% $12.7M
SHBI
Shore Bancshares, Inc.
-- $19M 8.25% 10.27% 55.98% $27.7M

Chemung Financial Corp. vs. Competitors

  • Which has Higher Returns CHMG or AROW?

    Arrow Financial Corp. has a net margin of 19.28% compared to Chemung Financial Corp.'s net margin of 20.58%. Chemung Financial Corp.'s return on equity of 5.79% beat Arrow Financial Corp.'s return on equity of 8.5%.

    Company Gross Margin Earnings Per Share Invested Capital
    CHMG
    Chemung Financial Corp.
    -- $1.60 $298M
    AROW
    Arrow Financial Corp.
    -- $0.78 $451.4M
  • What do Analysts Say About CHMG or AROW?

    Chemung Financial Corp. has a consensus price target of $61.50, signalling upside risk potential of 15%. On the other hand Arrow Financial Corp. has an analysts' consensus of $33.50 which suggests that it could grow by 6.11%. Given that Chemung Financial Corp. has higher upside potential than Arrow Financial Corp., analysts believe Chemung Financial Corp. is more attractive than Arrow Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    CHMG
    Chemung Financial Corp.
    1 1 0
    AROW
    Arrow Financial Corp.
    1 0 0
  • Is CHMG or AROW More Risky?

    Chemung Financial Corp. has a beta of 0.490, which suggesting that the stock is 51.005% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.821, suggesting its less volatile than the S&P 500 by 17.928%.

  • Which is a Better Dividend Stock CHMG or AROW?

    Chemung Financial Corp. has a quarterly dividend of $0.34 per share corresponding to a yield of 2.41%. Arrow Financial Corp. offers a yield of 3.61% to investors and pays a quarterly dividend of $0.29 per share. Chemung Financial Corp. pays 24.99% of its earnings as a dividend. Arrow Financial Corp. pays out 61.44% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CHMG or AROW?

    Chemung Financial Corp. quarterly revenues are $39.8M, which are smaller than Arrow Financial Corp. quarterly revenues of $62.3M. Chemung Financial Corp.'s net income of $7.7M is lower than Arrow Financial Corp.'s net income of $12.8M. Notably, Chemung Financial Corp.'s price-to-earnings ratio is 19.31x while Arrow Financial Corp.'s PE ratio is 15.18x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Chemung Financial Corp. is 1.85x versus 2.23x for Arrow Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CHMG
    Chemung Financial Corp.
    1.85x 19.31x $39.8M $7.7M
    AROW
    Arrow Financial Corp.
    2.23x 15.18x $62.3M $12.8M
  • Which has Higher Returns CHMG or AUBN?

    Auburn National Bancorporation, Inc. has a net margin of 19.28% compared to Chemung Financial Corp.'s net margin of 19.81%. Chemung Financial Corp.'s return on equity of 5.79% beat Auburn National Bancorporation, Inc.'s return on equity of 8.48%.

    Company Gross Margin Earnings Per Share Invested Capital
    CHMG
    Chemung Financial Corp.
    -- $1.60 $298M
    AUBN
    Auburn National Bancorporation, Inc.
    -- $0.64 $89.6M
  • What do Analysts Say About CHMG or AUBN?

    Chemung Financial Corp. has a consensus price target of $61.50, signalling upside risk potential of 15%. On the other hand Auburn National Bancorporation, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Chemung Financial Corp. has higher upside potential than Auburn National Bancorporation, Inc., analysts believe Chemung Financial Corp. is more attractive than Auburn National Bancorporation, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CHMG
    Chemung Financial Corp.
    1 1 0
    AUBN
    Auburn National Bancorporation, Inc.
    0 0 0
  • Is CHMG or AUBN More Risky?

    Chemung Financial Corp. has a beta of 0.490, which suggesting that the stock is 51.005% less volatile than S&P 500. In comparison Auburn National Bancorporation, Inc. has a beta of 0.438, suggesting its less volatile than the S&P 500 by 56.224%.

  • Which is a Better Dividend Stock CHMG or AUBN?

    Chemung Financial Corp. has a quarterly dividend of $0.34 per share corresponding to a yield of 2.41%. Auburn National Bancorporation, Inc. offers a yield of 4.32% to investors and pays a quarterly dividend of $0.27 per share. Chemung Financial Corp. pays 24.99% of its earnings as a dividend. Auburn National Bancorporation, Inc. pays out 58.98% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CHMG or AUBN?

    Chemung Financial Corp. quarterly revenues are $39.8M, which are larger than Auburn National Bancorporation, Inc. quarterly revenues of $11.2M. Chemung Financial Corp.'s net income of $7.7M is higher than Auburn National Bancorporation, Inc.'s net income of $2.2M. Notably, Chemung Financial Corp.'s price-to-earnings ratio is 19.31x while Auburn National Bancorporation, Inc.'s PE ratio is 12.22x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Chemung Financial Corp. is 1.85x versus 2.01x for Auburn National Bancorporation, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CHMG
    Chemung Financial Corp.
    1.85x 19.31x $39.8M $7.7M
    AUBN
    Auburn National Bancorporation, Inc.
    2.01x 12.22x $11.2M $2.2M
  • Which has Higher Returns CHMG or CZNC?

    Citizens & Northern Corp. has a net margin of 19.28% compared to Chemung Financial Corp.'s net margin of 15.87%. Chemung Financial Corp.'s return on equity of 5.79% beat Citizens & Northern Corp.'s return on equity of 9.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    CHMG
    Chemung Financial Corp.
    -- $1.60 $298M
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About CHMG or CZNC?

    Chemung Financial Corp. has a consensus price target of $61.50, signalling upside risk potential of 15%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.00 which suggests that it could grow by 8%. Given that Chemung Financial Corp. has higher upside potential than Citizens & Northern Corp., analysts believe Chemung Financial Corp. is more attractive than Citizens & Northern Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    CHMG
    Chemung Financial Corp.
    1 1 0
    CZNC
    Citizens & Northern Corp.
    0 1 0
  • Is CHMG or CZNC More Risky?

    Chemung Financial Corp. has a beta of 0.490, which suggesting that the stock is 51.005% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.

  • Which is a Better Dividend Stock CHMG or CZNC?

    Chemung Financial Corp. has a quarterly dividend of $0.34 per share corresponding to a yield of 2.41%. Citizens & Northern Corp. offers a yield of 5.5% to investors and pays a quarterly dividend of $0.28 per share. Chemung Financial Corp. pays 24.99% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CHMG or CZNC?

    Chemung Financial Corp. quarterly revenues are $39.8M, which are smaller than Citizens & Northern Corp. quarterly revenues of $40.9M. Chemung Financial Corp.'s net income of $7.7M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Chemung Financial Corp.'s price-to-earnings ratio is 19.31x while Citizens & Northern Corp.'s PE ratio is 11.65x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Chemung Financial Corp. is 1.85x versus 1.94x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CHMG
    Chemung Financial Corp.
    1.85x 19.31x $39.8M $7.7M
    CZNC
    Citizens & Northern Corp.
    1.94x 11.65x $40.9M $6.5M
  • Which has Higher Returns CHMG or PEBO?

    Peoples Bancorp, Inc. (Ohio) has a net margin of 19.28% compared to Chemung Financial Corp.'s net margin of 18.66%. Chemung Financial Corp.'s return on equity of 5.79% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.

    Company Gross Margin Earnings Per Share Invested Capital
    CHMG
    Chemung Financial Corp.
    -- $1.60 $298M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    -- $0.83 $1.9B
  • What do Analysts Say About CHMG or PEBO?

    Chemung Financial Corp. has a consensus price target of $61.50, signalling upside risk potential of 15%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $33.08 which suggests that it could grow by 9.11%. Given that Chemung Financial Corp. has higher upside potential than Peoples Bancorp, Inc. (Ohio), analysts believe Chemung Financial Corp. is more attractive than Peoples Bancorp, Inc. (Ohio).

    Company Buy Ratings Hold Ratings Sell Ratings
    CHMG
    Chemung Financial Corp.
    1 1 0
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1 5 0
  • Is CHMG or PEBO More Risky?

    Chemung Financial Corp. has a beta of 0.490, which suggesting that the stock is 51.005% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.

  • Which is a Better Dividend Stock CHMG or PEBO?

    Chemung Financial Corp. has a quarterly dividend of $0.34 per share corresponding to a yield of 2.41%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.38% to investors and pays a quarterly dividend of $0.41 per share. Chemung Financial Corp. pays 24.99% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CHMG or PEBO?

    Chemung Financial Corp. quarterly revenues are $39.8M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Chemung Financial Corp.'s net income of $7.7M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Chemung Financial Corp.'s price-to-earnings ratio is 19.31x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.61x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Chemung Financial Corp. is 1.85x versus 1.74x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CHMG
    Chemung Financial Corp.
    1.85x 19.31x $39.8M $7.7M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1.74x 10.61x $156.6M $29.2M
  • Which has Higher Returns CHMG or SHBI?

    Shore Bancshares, Inc. has a net margin of 19.28% compared to Chemung Financial Corp.'s net margin of 16.9%. Chemung Financial Corp.'s return on equity of 5.79% beat Shore Bancshares, Inc.'s return on equity of 10.27%.

    Company Gross Margin Earnings Per Share Invested Capital
    CHMG
    Chemung Financial Corp.
    -- $1.60 $298M
    SHBI
    Shore Bancshares, Inc.
    -- $0.43 $713.1M
  • What do Analysts Say About CHMG or SHBI?

    Chemung Financial Corp. has a consensus price target of $61.50, signalling upside risk potential of 15%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $18.38 which suggests that it could grow by 3.35%. Given that Chemung Financial Corp. has higher upside potential than Shore Bancshares, Inc., analysts believe Chemung Financial Corp. is more attractive than Shore Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CHMG
    Chemung Financial Corp.
    1 1 0
    SHBI
    Shore Bancshares, Inc.
    1 1 0
  • Is CHMG or SHBI More Risky?

    Chemung Financial Corp. has a beta of 0.490, which suggesting that the stock is 51.005% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.756%.

  • Which is a Better Dividend Stock CHMG or SHBI?

    Chemung Financial Corp. has a quarterly dividend of $0.34 per share corresponding to a yield of 2.41%. Shore Bancshares, Inc. offers a yield of 2.7% to investors and pays a quarterly dividend of $0.12 per share. Chemung Financial Corp. pays 24.99% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CHMG or SHBI?

    Chemung Financial Corp. quarterly revenues are $39.8M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $84.9M. Chemung Financial Corp.'s net income of $7.7M is lower than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Chemung Financial Corp.'s price-to-earnings ratio is 19.31x while Shore Bancshares, Inc.'s PE ratio is 10.43x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Chemung Financial Corp. is 1.85x versus 1.75x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CHMG
    Chemung Financial Corp.
    1.85x 19.31x $39.8M $7.7M
    SHBI
    Shore Bancshares, Inc.
    1.75x 10.43x $84.9M $14.3M

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