Stock Scorecard
Stock Summary for Chemung Financial Corp (CHMG) - $50.79 as of 11/7/2025 8:07:31 PM EST
Total Score
11 out of 30
Safety Score
54 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 (54 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) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 7 |
| 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), based in Elmira, New York, is a diversified financial services holding company primarily operating through its subsidiary, Chemung Canal Trust Company. The firm offers a broad range of financial services, including commercial and retail banking, wealth management, and trust services, with a strategic emphasis on serving regional markets. Chemung Financial is dedicated to providing client-centric solutions, leveraging local expertise to foster long-term relationships and drive sustainable growth. With a strong commitment to enhancing shareholder value, the company is well-positioned as a significant player in the financial sector of upstate New York. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 50.79 |
| Price 4 Years Ago | 41.84 |
| Last Day Price Updated | 11/7/2025 8:07:31 PM EST |
| Last Day Volume | 7,881 |
| Average Daily Volume | 5,945 |
| 52-Week High | 54.41 |
| 52-Week Low | 40.17 |
| Last Price to 52 Week Low | 26.44% |
Valuation Measures |
|
| Trailing PE | 21.52 |
| Industry PE | 18.86 |
| Sector PE | 22.35 |
| 5-Year Average PE | 9.11 |
| Free Cash Flow Ratio | 9.15 |
| Industry Free Cash Flow Ratio | 11.27 |
| Sector Free Cash Flow Ratio | 33.59 |
| Current Ratio Most Recent Quarter | 0.13 |
| Total Cash Per Share | 5.55 |
| Book Value Per Share Most Recent Quarter | 50.98 |
| Price to Book Ratio | 1.07 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 2.80 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.97 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.77 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 4,790,900 |
| Market Capitalization | 243,329,811 |
| Institutional Ownership | 48.20% |
Dividends |
|
| Ex-Dividend Date | 9/17/2025 |
| Previous Dividend Amount | 0.3200 |
| Current Dividend Amount | 0.3400 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.29 |
| Trailing Annual Dividend Yield | 2.54% |
| Forward Annual Dividend Rate | 1.36 |
| Forward Annual Dividend Yield | 2.68% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.59% |
| 5-Year Average Dividend Yield | 2.74% |
| 1-Year Dividend Growth Rate Percentage | 9.68% |
| 3-Year Dividend Growth Rate Percentage | 4.73% |
| 5-Year Dividend Growth Rate Percentage | 3.39% |
| All-Time Dividend Growth Rate Percentage | 3.42% |
| Dividend Payout Ratio | 55.13% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 35.10% |
| Annual Earnings Growth | -5.32% |
| Reported EPS 12 Trailing Months | 2.34 |
| Reported EPS Past Year | 4.19 |
| Reported EPS Prior Year | 4.96 |
| Net Income Twelve Trailing Months | 13,277,000 |
| Net Income Past Year | 23,671,000 |
| Net Income Prior Year | 25,000,000 |
| Quarterly Revenue Growth YOY | 16.70% |
| 5-Year Revenue Growth | 11.65% |
| Operating Margin Twelve Trailing Months | 37.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 26,580,000 |
| Total Cash Past Year | 47,035,000 |
| Total Cash Prior Year | 36,847,000 |
| Net Cash Position Most Recent Quarter | -17,566,000 |
| Net Cash Position Past Year | -52,102,000 |
| Long Term Debt Past Year | 99,137,000 |
| Long Term Debt Prior Year | 99,137,000 |
| Total Debt Most Recent Quarter | 44,146,000 |
| Equity to Debt Ratio Past Year | 0.68 |
| Equity to Debt Ratio Most Recent Quarter | 0.98 |
| Total Stockholder Equity Past Year | 215,309,000 |
| Total Stockholder Equity Prior Year | 195,241,000 |
| Total Stockholder Equity Most Recent Quarter | 2,684,273,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 4,965,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.04 |
| 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 | -0.32 |
| MACD Signal | -0.28 |
| 20-Day Bollinger Lower Band | 48.33 |
| 20-Day Bollinger Middle Band | 51.39 |
| 20-Day Bollinger Upper Band | 54.44 |
| Beta | 0.50 |
| RSI | 45.45 |
| 50-Day SMA | 44.27 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 43.53 |
System |
|
| Modified | 11/7/2025 8:08:18 PM EST |