Stock Scorecard
Stock Summary for Chemung Financial Corp (CHMG) - $67.37 as of 5/5/2026 7:53:43 PM EST
Total Score
11 out of 30
Safety Score
38 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for CHMG
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CHMG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CHMG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CHMG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CHMG (38 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 2 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for CHMG
Financial Details for CHMG
Company Overview |
|
|---|---|
| Ticker | CHMG |
| Company Name | Chemung Financial Corp |
| Country | N/A |
| Description | Chemung Financial Corporation is the holding company of Chemung Canal Trust Company providing a range of banking, finance, trust and other financial services. The company is headquartered in Elmira, New York. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 67.37 |
| Price 4 Years Ago | 41.98 |
| Last Day Price Updated | 5/5/2026 7:53:43 PM EST |
| Last Day Volume | 32,105 |
| Average Daily Volume | 12,175 |
| 52-Week High | 70.83 |
| 52-Week Low | 42.40 |
| Last Price to 52 Week Low | 58.89% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 13.61 |
| Sector PE | 61.45 |
| 5-Year Average PE | 12.60 |
| Free Cash Flow Ratio | 11.74 |
| Industry Free Cash Flow Ratio | 14.24 |
| Sector Free Cash Flow Ratio | 33.25 |
| Current Ratio Most Recent Quarter | 0.13 |
| Total Cash Per Share | 5.74 |
| Book Value Per Share Most Recent Quarter | 54.36 |
| Price to Book Ratio | 1.22 |
| Industry Price to Book Ratio | 1.19 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 3.32 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.27 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.50 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 4,819,400 |
| Market Capitalization | 324,682,978 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 3/18/2026 |
| Previous Dividend Amount | 0.3400 |
| Current Dividend Amount | 0.3400 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.34 |
| Trailing Annual Dividend Yield | 2.03% |
| Forward Annual Dividend Rate | 1.36 |
| Forward Annual Dividend Yield | 2.06% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 3.03% |
| 3-Year Dividend Growth Rate Percentage | 1.50% |
| 5-Year Dividend Growth Rate Percentage | 2.34% |
| All-Time Dividend Growth Rate Percentage | 3.52% |
| Dividend Payout Ratio | 35.36% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 51.70% |
| Annual Earnings Growth | -36.19% |
| Reported EPS 12 Trailing Months | 3.79 |
| Reported EPS Past Year | 1.91 |
| Reported EPS Prior Year | 5.80 |
| Net Income Twelve Trailing Months | 18,280,000 |
| Net Income Past Year | 15,104,000 |
| Net Income Prior Year | 23,671,000 |
| Quarterly Revenue Growth YOY | 19.10% |
| 5-Year Revenue Growth | 10.01% |
| Operating Margin Twelve Trailing Months | 41.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 27,679,000 |
| Total Cash Past Year | 22,772,000 |
| Total Cash Prior Year | 47,035,000 |
| Net Cash Position Most Recent Quarter | -16,349,000 |
| Net Cash Position Past Year | -21,256,000 |
| Long Term Debt Past Year | 44,028,000 |
| Long Term Debt Prior Year | 99,137,000 |
| Total Debt Most Recent Quarter | 44,028,000 |
| Equity to Debt Ratio Past Year | 0.85 |
| Equity to Debt Ratio Most Recent Quarter | 0.86 |
| Total Stockholder Equity Past Year | 254,709,000 |
| Total Stockholder Equity Prior Year | 215,309,000 |
| Total Stockholder Equity Most Recent Quarter | 262,929,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 43,812,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 9.09 |
| Free Cash Flow Past Year | 43,812,000 |
| Free Cash Flow Prior Year | 26,189,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 2.77 |
| MACD Signal | 2.75 |
| 20-Day Bollinger Lower Band | 48.51 |
| 20-Day Bollinger Middle Band | 58.02 |
| 20-Day Bollinger Upper Band | 67.54 |
| Beta | 0.61 |
| RSI | 66.78 |
| 50-Day SMA | 46.54 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 45.00 |
System |
|
| Modified | 5/6/2026 8:17:28 PM EST |