Chemung Financial Corp (CHMG)

Price$68.70

Value ScoreC

Growth ScoreC

Momentum ScoreA

Favorite Metrics

Price vs S&P 500 (26W)19.80%

Price vs S&P 500 (4W)-1.05%

VGM Score56.34

Market Capitalization$331.03M

P/E Ratio (Annual)21.92x

Indicated Dividend Yield (Annual)1.98%

All Metrics

P/CF (Annual)7.28x

Book Value / Share (Quarterly)$54.56

P/TBV (Annual)1.29x

Indicated Dividend (Annual)$1.36

Revenue Growth (3Y)6.77%

Cash Flow / Share (Quarterly)$9.52

Payout Ratio (TTM)19.81%

Price vs S&P 500 (YTD)12.15%

Net Profit Margin (TTM)28.21%

EPS (TTM)$3.80

10-Day Avg Trading Volume0.05M

EPS Excl Extra (TTM)$3.80

Revenue Growth (5Y)6.29%

EPS (Annual)$3.14

Dividend / Share (Annual)$1.33

ROI (Annual)5.00%

Net Profit Margin (5Y Avg)25.21%

Cash / Share (Quarterly)$11.13

P/E Basic Excl Extra (TTM)18.11x

Revenue Growth QoQ (YoY)38.17%

EPS Growth (5Y)-4.76%

P/E Normalized (Annual)21.92x

ROA (Last FY)0.56%

Revenue Growth TTM (YoY)43.97%

EBITD / Share (TTM)$8.60

ROE (5Y Avg)11.90%

Operating Margin (TTM)35.83%

Cash Flow / Share (Annual)$9.14

P/B Ratio1.26x

P/B Ratio (Quarterly)0.99x

Net Income / Employee (Annual)$43,400

ROA (TTM)0.66%

EPS Growth QoQ (YoY)51.82%

EV / EBITDA (TTM)14.60x

EPS Incl Extra (Annual)$3.14

3-Month Avg Trading Volume0.02M

52-Week Price Return45.23%

EV / Free Cash Flow (Annual)8.64x

P/E Incl Extra (TTM)18.11x

Tangible BV / Share (Quarterly)$35.40

P/S Ratio (Annual)2.29x

52-Week High$70.83

Operating Margin (5Y Avg)31.66%

EPS Excl Extra (Annual)$3.14

CapEx CAGR (5Y)14.16%

Tangible BV CAGR (5Y)2.41%

26-Week Price Return35.73%

13-Week Price Return18.31%

Total Debt / Equity (Annual)0.19x

Enterprise Value$378.44M

Revenue / Share Growth (5Y)4.77%

Book Value / Share Growth (5Y)4.58%

Revenue / Employee (Annual)$282,466,800,000

Pretax Margin (Annual)38.58%

Cash / Share (Annual)$6.24

3-Month Return Std Dev34.38%

Net Income / Employee (TTM)$52,500

EBITDA CAGR (5Y)15.11%

EBITDA Interim CAGR (5Y)11.96%

ROE (Last FY)5.93%

EPS Basic Excl Extra (Annual)$3.14

P/FCF (TTM)7.22x

EV / Free Cash Flow (TTM)8.25x

Total Debt / Equity (Quarterly)0.18x

EPS Incl Extra (TTM)$3.80

ROI (TTM)6.15%

Dividend Growth Rate (5Y)4.89%

P/S Ratio (TTM)2.15x

Pretax Margin (5Y Avg)31.66%

Revenue / Share (Annual)$20.37

Tangible BV / Share (Annual)$35.40

Forward P/E9.44x

Free OCF CAGR (5Y)9.53%

Price vs S&P 500 (52W)17.03%

P/E Ratio (TTM)18.11x

EPS Growth TTM (YoY)-20.13%

Year-to-Date Return23.08%

5-Day Price Return-0.38%

EPS Normalized (Annual)$3.14

ROA (5Y Avg)0.90%

Net Profit Margin (Annual)30.10%

Month-to-Date Return3.42%

Cash Flow / Share (TTM)$6.50

EBITD / Share (Annual)$4.54

EPS Growth (3Y)-19.98%

Operating Margin (Annual)38.58%

LT Debt / Equity (Annual)0.17x

P/CF (TTM)6.99x

ROI (5Y Avg)11.53%

P/E Excl Extra (TTM)18.11x

LT Debt / Equity (Quarterly)0.17x

EPS Basic Excl Extra (TTM)$3.80

P/TBV (Quarterly)1.29x

Payout Ratio (Annual)41.88%

P/B Ratio (Annual)1.05x

Dividend / Share (TTM)$1.34

Pretax Margin (TTM)35.83%

Book Value / Share (Annual)$53.16

Price vs S&P 500 (13W)8.57%

Net Margin Growth (5Y)17.63%

Dividend Yield (TTM)1.94%

Beta0.62x

P/FCF (Annual)7.56x

Revenue / Share (TTM)$21.50

ROE (TTM)7.33%

52-Week Low$43.20

vGradeC

gGradeC

mGradeA

vgmGradeC

Show chart for

Earnings Surprise History

Q1 261.91est. 1.66

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.13

2.17

4.00

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
CHMGChemung Financial Corp	C	C	A	$68.70
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

About

Chemung Financial Corp is a bank holding company whose principal business is attracting deposits and originating commercial and residential loans. Its Core Banking segment is the primary revenue driver, while its Wealth Management segment provides trust and investment advisory services. The company also offers insurance products, mutual funds, and brokerage services.