Chemung Financial Corp (CHMG) Stock Price

CHMGStock

$81.60+50.83%52W

Market Cap$393.43M

P/E26.89x

PEG Ratio—

Div yield2.68%

Beta0.60

CHMG Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)33.37%

Price vs S&P 500 (4W)-1.57%

VGM Score54.93

P/E Ratio (Annual)26.89x

Indicated Dividend Yield (Annual)2.68%

P/CF (Annual)8.93x

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)33.42%

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)22.22x

Revenue Growth QoQ (YoY)38.17%

EPS Growth (5Y)-4.76%

P/E Normalized (Annual)26.89x

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 Ratio1.54x

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 Volume0.05M

52-Week Price Return50.83%

EV / Free Cash Flow (Annual)10.35x

P/E Incl Extra (TTM)22.22x

Tangible BV / Share (Quarterly)$35.40

P/S Ratio (Annual)2.29x

52-Week High$85.00

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 Return45.30%

13-Week Price Return17.63%

Total Debt / Equity (Annual)0.19x

Enterprise Value$453.62M

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 Dev27.45%

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)8.86x

EV / Free Cash Flow (TTM)9.89x

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/E10.44x

Free OCF CAGR (5Y)9.53%

Price vs S&P 500 (52W)32.27%

P/E Ratio (TTM)22.22x

EPS Growth TTM (YoY)-20.13%

Year-to-Date Return46.24%

5-Day Price Return-1.19%

EPS Normalized (Annual)$3.14

ROA (5Y Avg)0.90%

Net Profit Margin (Annual)30.10%

Month-to-Date Return0.14%

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)8.58x

ROI (5Y Avg)11.53%

P/E Excl Extra (TTM)22.22x

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)15.68%

Net Margin Growth (5Y)17.63%

Dividend Yield (TTM)1.58%

Beta0.60x

P/FCF (Annual)9.27x

Revenue / Share (TTM)$21.50

ROE (TTM)7.33%

52-Week Low$49.82

vGradeC

gGradeC

mGradeB

vgmGradeC

CHMG Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 22, 2026	$1.76	$1.82	+3.12%(+$0.06)
Q1 2026	Apr 17, 2026	$1.63	$1.91	+17.54%(+$0.28)
Q4 2025	Jan 26, 2026	$1.61	$1.61	-0.31%(-$0.01)
Q3 2025	Oct 21, 2025	$1.61	$1.62	+0.62%(+$0.01)
Q2 2025	Jul 17, 2025	$1.33	$1.31	-1.50%(-$0.02)

CHMG Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.00

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
CHMGChemung Financial Corp	C	C	B	$81.60
BNSBank of Nova Scotia	C	C	A	$92.39
BNYBank of New York Mellon Corporation	F	B	A	$162.50
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.50
DBDeutsche Bank Aktiengesellschaft	A	C	B	$40.36
STTState Street Corporation	C	B	A	$193.33
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.10
FITBFifth Third Bancorp	D	C	C	$54.54
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
MTBM&T Bank Corp.	C	B	C	$237.29
NTRSNorthern Trust Corp	D	C	B	$186.79
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.03
CFGCitizens Financial Group, Inc.	C	C	B	$69.71
FCNCAFirst Citizens BancShares Inc	C	B	C	$2194.07
EWBCEast-West Bancorp Inc	C	B	C	$129.44
ALLYAlly Financial Inc.	A	C	D	$42.18
BPOPPopular Inc	C	C	B	$169.75
WTFCWintrust Financial Corp	B	B	D	$152.95
SSBSouthState Bank Corporation	C	B	C	$105.98
PBProsperity Bancshares Inc	D	D	D	$72.30
WALWestern Alliance Bancorporation	B	B	D	$78.53
COLBColumbia Banking Systems Inc	B	C	D	$30.07
CBSHCommerce Bancshares Inc	C	D	D	$58.04
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	A	$32.60
UBSIUnited Bankshares Inc	C	C	C	$47.60
GBCIGlacier Bancorp Inc	D	C	D	$46.88
HWCHancock Whitney Corporation Common Stock	C	C	C	$75.07
HOMBHome BancShares, Inc.	C	D	D	$29.62
ASBAssociated Banc-Corp	B	C	C	$30.92
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.66
ABCBAmeris Bancorp	D	C	D	$85.59
FFINFirst Financial Bankshares Inc	D	D	F	$33.39
SFBSServisFirst Bancshares Inc.	D	B	D	$43.20
IBOCInternational Bancshares Corp	C	C	F	$70.93
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.64
FBPFirst BanCorp.	C	C	B	$28.01
UCBUnited Community Banks, Inc.	B	B	D	$35.18
CATYCathay General Bancorp	C	C	C	$61.87
CVBFCVB Financial Corp	D	D	D	$22.19
INDBIndependent Bank Corp/MA	C	C	D	$82.06
RNSTRenasant Corporation	C	B	D	$41.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.04
MCHBMechanics Bancorp Class A Common Stock	D	C	C	$15.89
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.37
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.79
BOHBank of Hawaii Corp.	C	C	D	$77.29
FBKFB Financial Corporation	D	B	D	$57.85
CUBICUSTOMERS BANCORP INC	B	B	D	$78.58
FBNCFirst Bancorp/NC	D	C	C	$63.99
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$30.29
SYBTStock Yards Bancorp, Inc.	D	C	C	$79.84

About Chemung Financial Corp

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.