Want to see CHMG full AI Analyst Report?
Chemung Financial (CHMG) Ratios
112 Followers
Chemung Financial Ratios
CHMG's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, CHMG's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.13 | 0.19 | 0.25 | 0.31 | 0.39 |
| Quick Ratio | 0.13 | 0.19 | 0.25 | 0.31 | 0.39 |
| Cash Ratio | 0.01 | 0.02 | 0.01 | 0.02 | 0.01 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.27 | 0.97 | 0.37 | 2.43 |
| Net Current Asset Value | $ -2.15B | $ -2.09B | $ -1.89B | $ -1.73B | $ -1.36B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.04 | 0.02 | 0.04 | 0.01 |
| Debt-to-Equity Ratio | 0.02 | 0.55 | 0.21 | 0.64 | 0.12 |
| Debt-to-Capital Ratio | 0.02 | 0.36 | 0.17 | 0.39 | 0.11 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 10.64 | 12.89 | 13.88 | 15.90 | 11.44 |
| Debt Service Coverage Ratio | 0.39 | 0.16 | 0.39 | 0.31 | 1.66 |
| Interest Coverage Ratio | 0.44 | 0.56 | 0.82 | 5.06 | 9.87 |
| Debt to Market Cap | 0.00 | 0.47 | 0.14 | 0.45 | 0.07 |
| Interest Debt Per Share | 10.52 | 36.06 | 16.78 | 24.09 | 6.18 |
| Net Debt to EBITDA | -0.79 | 2.23 | 0.12 | 1.25 | -0.04 |
| Profitability Margins | |||||
| Gross Profit Margin | 64.19% | 64.27% | 69.34% | 93.38% | 96.26% |
| EBIT Margin | 14.25% | 20.11% | 23.06% | 36.20% | 36.76% |
| EBITDA Margin | 16.15% | 21.46% | 25.12% | 39.17% | 40.57% |
| Operating Profit Margin | 14.25% | 20.11% | 23.06% | 36.20% | 36.76% |
| Pretax Profit Margin | 14.25% | 20.11% | 23.06% | 36.20% | 36.76% |
| Net Profit Margin | 10.79% | 15.82% | 18.30% | 28.24% | 28.77% |
| Continuous Operations Profit Margin | 10.79% | 15.82% | 18.30% | 28.24% | 28.77% |
| Net Income Per EBT | 75.76% | 78.68% | 79.36% | 78.03% | 78.27% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.56% | 0.85% | 0.92% | 1.09% | 1.09% |
| Return on Equity (ROE) | 5.93% | 10.99% | 12.80% | 17.30% | 12.50% |
| Return on Capital Employed (ROCE) | 4.54% | 11.14% | 12.72% | 16.69% | 14.47% |
| Return on Invested Capital (ROIC) | 3.44% | 6.24% | 8.94% | 9.08% | 10.66% |
| Return on Tangible Assets | 0.56% | 0.86% | 0.93% | 1.10% | 1.10% |
| Earnings Yield | 5.63% | 10.17% | 10.61% | 13.37% | 12.15% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 1.71 | 2.89 |
| Payables Turnover | 0.00 | 0.00 | 2.14 | 0.38 | 0.23 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.58 | 6.86 | 6.75 | 4.52 | 3.64 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.07 | -0.08 | -0.08 | -0.07 | -0.07 |
| Cash Conversion Cycle | 0.00 | 0.00 | -170.95 | -759.64 | -1477.59 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 212.95 | 126.14 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 170.95 | 972.59 | 1603.73 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 212.95 | 126.14 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 9.46 | 6.25 | 6.53 | 7.47 | 7.57 |
| Free Cash Flow Per Share | 9.11 | 5.49 | 6.43 | 7.38 | 7.49 |
| Dividend Paid and CapEx Coverage Ratio | 5.68 | 2.71 | 4.90 | 5.63 | 6.24 |
| Capital Expenditure Coverage Ratio | 26.97 | 8.23 | 66.84 | 82.27 | 96.62 |
| Operating Cash Flow Coverage Ratio | 9.22 | 0.25 | 0.76 | 0.33 | 1.39 |
| Operating Cash Flow to Sales Ratio | 0.33 | 0.20 | 0.23 | 0.34 | 0.39 |
| Free Cash Flow Yield | 16.32% | 11.25% | 12.91% | 16.08% | 16.13% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 17.83 | 9.84 | 9.43 | 7.48 | 8.23 |
| Price-to-Sales (P/S) Ratio | 1.92 | 1.56 | 1.73 | 2.11 | 2.37 |
| Price-to-Book (P/B) Ratio | 1.05 | 1.08 | 1.21 | 1.29 | 1.03 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.13 | 8.89 | 7.75 | 6.22 | 6.20 |
| Price-to-Operating Cash Flow Ratio | 5.90 | 7.81 | 7.63 | 6.14 | 6.13 |
| Price-to-Earnings Growth (PEG) Ratio | -0.48 | -1.62 | -0.68 | 0.86 | 0.20 |
| Enterprise Value Multiple | 11.09 | 9.48 | 6.98 | 6.64 | 5.80 |
| Enterprise Value | 250.62M | 304.31M | 239.60M | 265.16M | 216.09M |
| EV to EBITDA | 11.09 | 9.48 | 6.98 | 6.64 | 5.80 |
| EV to Sales | 1.79 | 2.03 | 1.75 | 2.60 | 2.35 |
| EV to Free Cash Flow | 5.72 | 11.62 | 7.88 | 7.66 | 6.16 |
| EV to Operating Cash Flow | 5.51 | 10.20 | 7.76 | 7.57 | 6.09 |
| Tangible Book Value Per Share | 48.41 | 40.56 | 36.65 | 30.80 | 40.49 |
| Shareholders’ Equity Per Share | 52.94 | 45.14 | 41.26 | 35.45 | 45.15 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.21 | 0.21 | 0.22 | 0.22 |
| Revenue Per Share | 29.09 | 31.37 | 28.86 | 21.72 | 19.61 |
| Net Income Per Share | 3.14 | 4.96 | 5.28 | 6.13 | 5.64 |
| Tax Burden | 0.76 | 0.79 | 0.79 | 0.78 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.30 | 0.26 | 0.26 | 0.32 | 0.35 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 3.01 | 1.26 | 1.24 | 1.22 | 1.34 |
Currency in USD
