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Chemung Financial Corp (CHMG)
Price$59.30
Favorite Metrics
Price vs S&P 500 (26W)8.78%
Price vs S&P 500 (4W)9.69%
Market Capitalization$286.17M
P/E Ratio (Annual)18.95x
Indicated Dividend Yield (Annual)2.30%
All Metrics
P/CF (Annual)6.29x
Book Value / Share (Quarterly)$53.16
P/TBV (Annual)1.29x
Indicated Dividend (Annual)$1.36
Revenue Growth (3Y)6.77%
Cash Flow / Share (Quarterly)$9.14
Payout Ratio (TTM)22.24%
Price vs S&P 500 (YTD)3.45%
Net Profit Margin (TTM)28.21%
EPS (TTM)$3.14
10-Day Avg Trading Volume0.00M
EPS Excl Extra (TTM)$3.14
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)18.95x
Revenue Growth QoQ (YoY)38.17%
EPS Growth (5Y)-4.76%
P/E Normalized (Annual)18.95x
ROA (Last FY)0.56%
Revenue Growth TTM (YoY)43.97%
EBITD / Share (TTM)$4.57
ROE (5Y Avg)11.90%
Operating Margin (TTM)35.83%
Cash Flow / Share (Annual)$9.14
P/B Ratio1.12x
P/B Ratio (Quarterly)1.05x
Net Income / Employee (Annual)$0
ROA (TTM)0.55%
EPS Growth QoQ (YoY)29.88%
EV / EBITDA (TTM)15.28x
EPS Incl Extra (Annual)$3.14
3-Month Avg Trading Volume0.01M
52-Week Price Return43.38%
EV / Free Cash Flow (Annual)7.62x
P/E Incl Extra (TTM)18.95x
Tangible BV / Share (Quarterly)$35.40
P/S Ratio (Annual)2.29x
52-Week High$65.50
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 Return12.76%
13-Week Price Return9.35%
Total Debt / Equity (Annual)0.19x
Enterprise Value$333.641
Revenue / Share Growth (5Y)4.77%
Book Value / Share Growth (5Y)4.58%
Revenue / Employee (Annual)$282,467
Pretax Margin (Annual)38.58%
Cash / Share (Annual)$6.24
3-Month Return Std Dev34.84%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)-4.01%
EBITDA Interim CAGR (5Y)9.70%
ROE (Last FY)5.93%
EPS Basic Excl Extra (Annual)$3.14
P/FCF (TTM)6.53x
EV / Free Cash Flow (TTM)7.62x
Total Debt / Equity (Quarterly)0.19x
EPS Incl Extra (TTM)$3.14
ROI (TTM)5.44%
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/E8.70x
Free OCF CAGR (5Y)9.53%
Price vs S&P 500 (52W)13.55%
P/E Ratio (TTM)18.95x
EPS Growth TTM (YoY)-36.75%
Year-to-Date Return6.09%
5-Day Price Return-1.33%
EPS Normalized (Annual)$3.14
ROA (5Y Avg)0.90%
Net Profit Margin (Annual)30.10%
Month-to-Date Return10.00%
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)6.29x
ROI (5Y Avg)11.53%
P/E Excl Extra (TTM)18.95x
LT Debt / Equity (Quarterly)0.17x
EPS Basic Excl Extra (TTM)$3.14
P/TBV (Quarterly)1.29x
Payout Ratio (Annual)41.88%
P/B Ratio (Annual)1.05x
Dividend / Share (TTM)$1.33
Pretax Margin (TTM)35.83%
Book Value / Share (Annual)$53.16
Price vs S&P 500 (13W)8.66%
Net Margin Growth (5Y)17.63%
Dividend Yield (TTM)2.21%
Beta0.51x
P/FCF (Annual)6.53x
Revenue / Share (TTM)$21.50
ROE (TTM)6.27%
52-Week Low$40.71
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.13
4.13
2.17
2.17
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CHMGChemung Financial Corp | 1.05x | 6.27% | 0.55% | — | $59.30 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
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 | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
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.