Want to see CHMG full AI Analyst Report?
CHMG Stock Chart & Stats
$62.82
-$1.20(-2.59%)
At close: 4:00 PM EST
$62.82
-$1.20(-2.59%)
Day’s Range― - ―
52-Week Range$48.61 - $76.65
Previous CloseN/A
Volume6.00
Average Volume (3M)8.71K
Market Cap
$359.08M
Enterprise Value$439.71M
Total Cash (Recent Filing)$303.00M
Total Debt (Recent Filing)$128.80M
Price to Earnings (P/E)19.7
Beta0.53
Next Earnings
Jul 16, 2026EPS Estimate
1.77Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)3.80
Shares Outstanding4,819,820
10 Day Avg. Volume6,565
30 Day Avg. Volume8,708
Financial Highlights & Ratios
PEG Ratio-0.48
Price to Book (P/B)1.05
Price to Sales (P/S)1.92
P/FCF Ratio6.13
Enterprise Value/Market Cap1.22
Enterprise Value/Revenue3.09
Enterprise Value/Gross Profit4.64
Enterprise Value/Ebitda16.41
Forecast
1Y Price Target
$72.00Price Target Upside14.61% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)7.15
Revenue Forecast (FY)$123.94M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistent TTM free cash flow that closely tracks net income indicates high quality earnings and strong internal funding. That durable cash conversion supports dividends, capital needs, subordinated debt servicing and selective organic growth or acquisitions without excessive external financing.
Improved Core Profitability (Q1 2026)Record quarterly earnings and a 3.60% net interest margin after a balance-sheet restructuring show the bank can restore lending economics. Sustainable margin improvement from asset mix and lower wholesale funding is a structural positive for ongoing net interest income and core profitability.
Diversified Regional Franchise And Wealth ArmA multi‑market regional footprint plus a sizable wealth management business diversifies revenue and deposit sources. Fee-generating wealth services and deep local relationships boost deposit stickiness and cross‑sell potential, reducing reliance on single-market cycles over the medium term.
Bears Say
Uneven Revenue And Margin TrendsChoppy top-line performance and sustained margin compression reduce visibility into sustainable earnings power. Over a 2–6 month horizon, uneven revenue and declining margin trends make capital allocation decisions and long-term investment planning more uncertain for a regional bank reliant on net interest spread.
Volatile Funding/debt LevelsLarge swings in reported debt and funding mix indicate potential reliance on episodic wholesale funding or capital actions. Such volatility raises refinancing, liquidity and interest‑cost risks, complicating balance‑sheet management and reducing predictability of net interest margin and funding costs.
Modest Returns And Scale LimitationsMid‑single‑digit ROE and moderate leverage point to limited capital efficiency and constrained ability to generate high returns relative to peers. As a smaller regional bank, limited scale can hinder cost efficiencies and capital formation, capping growth and resilience to industry shocks.
CHMG FAQ
What was Chemung Financial’s price range in the past 12 months?
Chemung Financial lowest stock price was $48.61 and its highest was $76.65 in the past 12 months.
What is Chemung Financial’s market cap?
Chemung Financial’s market cap is $359.08M.
When is Chemung Financial’s upcoming earnings report date?
Chemung Financial’s upcoming earnings report date is Jul 16, 2026 which is in 11 days.
How were Chemung Financial’s earnings last quarter?
Chemung Financial released its earnings results on Apr 17, 2026. The company reported $1.91 earnings per share for the quarter, beating the consensus estimate of $1.625 by $0.285.
Is Chemung Financial overvalued?
According to Wall Street analysts Chemung Financial’s price is currently Undervalued.
Does Chemung Financial pay dividends?
Chemung Financial pays a Quarterly dividend of $0.34 which represents an annual dividend yield of 2.4%. See more information on Chemung Financial dividends here
What is Chemung Financial’s EPS estimate?
Chemung Financial’s EPS estimate is 1.77.
How many shares outstanding does Chemung Financial have?
Chemung Financial has 4,819,820 shares outstanding.
What happened to Chemung Financial’s price movement after its last earnings report?
Chemung Financial reported an EPS of $1.91 in its last earnings report, beating expectations of $1.625. Following the earnings report the stock price went up 5.936%.
Which hedge fund is a major shareholder of Chemung Financial?
Currently, no hedge funds are holding shares in CHMG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Chemung Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$72.00 (14.61% Upside)
$72.00 (14.61% Upside)
Hedge Fund Trend
Increased
By 27.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $51.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.84%
12-Months-Change
Fundamentals
Return on Equity
7.33%
Trailing 12-Months
Asset Growth
-1.72%
Trailing 12-Months
Company Description
Chemung Financial
Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.
CHMG Stock 12 Month Forecast
Average Price Target
$72.00
▲(14.61% Upside)
Technical Analysis
Parke Bancorp
―
Primis Financial
―
Timberland Bancorp
―
Fidelity D & D Bancorp
―
Isabella Bank
―
Ownership Overview
12.50% Insiders
12.12% Mutual Funds
12.76% Other Institutional Investors
52.12% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---










