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Chemung Financial (CHMG)
NASDAQ:CHMG
US Market
CHMG
Chemung Financial
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Chemung Financial (CHMG) Ratios

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Chemung Financial Ratios

CHMG's free cash flow for Q2 2026 was $0.41. For the 2026 fiscal year, CHMG's free cash flow was decreased by $ and operating cash flow was $-0.66. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.01 0.13 0.19 0.25 0.31
Quick Ratio
 0.01 0.13 0.19 0.25 0.31
Cash Ratio
 0.03 0.01 0.02 0.01 0.02
Solvency Ratio
 0.01 <0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.02 0.02 0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.52 0.00 0.27 0.97 0.37
Net Current Asset Value
$ -2.52B$ -2.15B$ -2.09B$ -1.89B$ -1.73B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 <0.01 0.04 0.02 0.04
Debt-to-Equity Ratio
 0.53 0.02 0.55 0.21 0.64
Debt-to-Capital Ratio
 0.34 0.02 0.36 0.17 0.39
Long-Term Debt-to-Capital Ratio
 0.14 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 10.43 10.64 12.89 13.88 15.90
Debt Service Coverage Ratio
 0.10 0.39 0.16 0.39 0.31
Interest Coverage Ratio
 0.50 0.44 0.56 0.82 5.06
Debt to Market Cap
 0.33 0.00 0.47 0.14 0.45
Interest Debt Per Share
 38.13 10.52 36.06 16.78 24.09
Net Debt to EBITDA
 2.99 -0.79 2.23 0.12 1.25
Profitability Margins
Gross Profit Margin
67.54%64.19%64.27%69.34%93.38%
EBIT Margin
15.20%14.25%20.11%23.06%36.20%
EBITDA Margin
16.72%16.15%21.46%25.12%39.17%
Operating Profit Margin
15.20%14.25%20.11%23.06%36.20%
Pretax Profit Margin
31.89%14.25%20.11%23.06%36.20%
Net Profit Margin
24.21%10.79%15.82%18.30%28.24%
Continuous Operations Profit Margin
24.21%10.79%15.82%18.30%28.24%
Net Income Per EBT
75.90%75.76%78.68%79.36%78.03%
EBT Per EBIT
209.84%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.19%0.56%0.85%0.92%1.09%
Return on Equity (ROE)
12.98%5.93%10.99%12.80%17.30%
Return on Capital Employed (ROCE)
5.74%4.54%11.14%12.72%16.69%
Return on Invested Capital (ROIC)
3.50%3.44%6.24%8.94%9.08%
Return on Tangible Assets
1.20%0.56%0.86%0.93%1.10%
Earnings Yield
8.31%5.63%10.17%10.61%13.37%
Efficiency Ratios
Receivables Turnover
 14.90 0.00 0.00 0.00 1.71
Payables Turnover
 0.00 0.00 0.00 2.14 0.38
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.88 5.58 6.86 6.75 4.52
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.13 -0.07 -0.08 -0.08 -0.07
Cash Conversion Cycle
 24.50 0.00 0.00 -170.95 -759.64
Days of Sales Outstanding
 24.50 0.00 0.00 0.00 212.95
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 170.95 972.59
Operating Cycle
 24.50 0.00 0.00 0.00 212.95
Cash Flow Ratios
Operating Cash Flow Per Share
 9.70 9.46 6.25 6.53 7.47
Free Cash Flow Per Share
 9.40 9.11 5.49 6.43 7.38
CapEx Per Share
 0.30 0.35 0.76 0.10 0.09
Free Cash Flow to Operating Cash Flow
 0.97 0.96 0.88 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
 5.86 5.68 2.71 4.90 5.63
Capital Expenditure Coverage Ratio
 32.20 26.97 8.23 66.84 82.27
Operating Cash Flow Coverage Ratio
 0.33 9.22 0.25 0.76 0.33
Operating Cash Flow to Sales Ratio
 0.34 0.33 0.20 0.23 0.34
Free Cash Flow Yield
11.27%16.32%11.25%12.91%16.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.04 17.83 9.84 9.43 7.48
Price-to-Sales (P/S) Ratio
 2.91 1.92 1.56 1.73 2.11
Price-to-Book (P/B) Ratio
 1.49 1.05 1.08 1.21 1.29
Price-to-Free Cash Flow (P/FCF) Ratio
 8.87 6.13 8.89 7.75 6.22
Price-to-Operating Cash Flow Ratio
 8.61 5.90 7.81 7.63 6.14
Price-to-Earnings Growth (PEG) Ratio
 0.06 -0.48 -1.62 -0.68 0.86
Price-to-Fair Value
 1.49 1.05 1.08 1.21 1.29
Enterprise Value Multiple
 20.37 11.09 9.48 6.98 6.64
Enterprise Value
 471.96M 250.62M 304.31M 239.60M 265.16M
EV to EBITDA
 20.37 11.09 9.48 6.98 6.64
EV to Sales
 3.41 1.79 2.03 1.75 2.60
EV to Free Cash Flow
 10.40 5.72 11.62 7.88 7.66
EV to Operating Cash Flow
 10.07 5.51 10.20 7.76 7.57
Tangible Book Value Per Share
 51.46 48.41 40.56 36.65 30.80
Shareholders’ Equity Per Share
 55.98 52.94 45.14 41.26 35.45
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.21 0.21 0.22
Revenue Per Share
 28.69 29.09 31.37 28.86 21.72
Net Income Per Share
 6.94 3.14 4.96 5.28 6.13
Tax Burden
 0.76 0.76 0.79 0.79 0.78
Interest Burden
 2.10 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
 0.33 0.30 0.26 0.26 0.32
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.40 3.01 1.26 1.24 1.22
Currency in USD