Stock Scorecard
Stock Summary for Chemung Financial Corp (CHMG) - $64.40 as of 2/6/2026 8:00:37 PM EST
Total Score
10 out of 30
Safety Score
57 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 (57 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) | 2 |
| 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) | 1 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CHMG
Financial Details for CHMG
Company Overview |
|
|---|---|
| Ticker | CHMG |
| Company Name | Chemung Financial Corp |
| Country | USA |
| Description | Chemung Financial Corporation (CHMG), headquartered in Elmira, New York, is a prominent diversified financial services holding company operating primarily through the Chemung Canal Trust Company. The firm delivers a comprehensive range of financial solutions, including commercial and retail banking, wealth management, and trust services, with a strategic focus on the upstate New York market. Renowned for its client-centric philosophy, Chemung Financial combines local market expertise with a commitment to fostering long-term relationships, positioning itself for sustained growth. With a strong emphasis on enhancing shareholder value, the company is poised to leverage its operational strengths to capitalize on emerging opportunities in the regional financial services landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 64.40 |
| Price 4 Years Ago | 42.26 |
| Last Day Price Updated | 2/6/2026 8:00:37 PM EST |
| Last Day Volume | 15,529 |
| Average Daily Volume | 7,025 |
| 52-Week High | 65.00 |
| 52-Week Low | 39.95 |
| Last Price to 52 Week Low | 61.20% |
Valuation Measures |
|
| Trailing PE | 20.41 |
| Industry PE | 15.11 |
| Sector PE | 17.65 |
| 5-Year Average PE | 8.48 |
| Free Cash Flow Ratio | 13.59 |
| Industry Free Cash Flow Ratio | 12.93 |
| Sector Free Cash Flow Ratio | 24.52 |
| Current Ratio Most Recent Quarter | 0.13 |
| Total Cash Per Share | 4.74 |
| Book Value Per Share Most Recent Quarter | 52.97 |
| Price to Book Ratio | 1.19 |
| Industry Price to Book Ratio | 1.29 |
| Sector Price to Book Ratio | 1.87 |
| Price to Sales Ratio Twelve Trailing Months | 3.40 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.59 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.84 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 4,809,000 |
| Market Capitalization | 309,699,600 |
| Institutional Ownership | 46.28% |
Dividends |
|
| Ex-Dividend Date | 12/19/2025 |
| Previous Dividend Amount | 0.3400 |
| Current Dividend Amount | 0.3400 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.32 |
| Trailing Annual Dividend Yield | 2.10% |
| Forward Annual Dividend Rate | 1.36 |
| Forward Annual Dividend Yield | 2.16% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.53% |
| 5-Year Average Dividend Yield | 2.68% |
| 1-Year Dividend Growth Rate Percentage | 6.45% |
| 3-Year Dividend Growth Rate Percentage | 3.18% |
| 5-Year Dividend Growth Rate Percentage | 2.63% |
| All-Time Dividend Growth Rate Percentage | 3.52% |
| Dividend Payout Ratio | 42.04% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 29.90% |
| Annual Earnings Growth | -36.19% |
| Reported EPS 12 Trailing Months | 3.14 |
| Reported EPS Past Year | 5.80 |
| Reported EPS Prior Year | 4.96 |
| Net Income Twelve Trailing Months | 15,104,000 |
| Net Income Past Year | 15,104,000 |
| Net Income Prior Year | 23,671,000 |
| Quarterly Revenue Growth YOY | 16.00% |
| 5-Year Revenue Growth | 10.01% |
| Operating Margin Twelve Trailing Months | 38.40% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 22,772,000 |
| Total Cash Past Year | 22,772,000 |
| Total Cash Prior Year | 47,035,000 |
| Net Cash Position Most Recent Quarter | -21,230,000 |
| Net Cash Position Past Year | -76,365,000 |
| Long Term Debt Past Year | 99,137,000 |
| Long Term Debt Prior Year | 99,137,000 |
| Total Debt Most Recent Quarter | 44,002,000 |
| Equity to Debt Ratio Past Year | 0.72 |
| Equity to Debt Ratio Most Recent Quarter | 0.85 |
| Total Stockholder Equity Past Year | 254,709,000 |
| Total Stockholder Equity Prior Year | 215,309,000 |
| Total Stockholder Equity Most Recent Quarter | 254,709,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 32,394,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 6.74 |
| Free Cash Flow Past Year | 26,189,000 |
| Free Cash Flow Prior Year | 30,419,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 2.07 |
| MACD Signal | 1.41 |
| 20-Day Bollinger Lower Band | 46.87 |
| 20-Day Bollinger Middle Band | 54.20 |
| 20-Day Bollinger Upper Band | 61.52 |
| Beta | 0.49 |
| RSI | 73.84 |
| 50-Day SMA | 44.88 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 44.15 |
System |
|
| Modified | 2/6/2026 8:00:42 PM EST |