Symbols / CHMG Stock $67.05 -0.47% Chemung Financial Corporation

Financial Services • Banks - Regional • United States • NMS
CHMG (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Anders M. Tomson
Exch · Country NMS · United States
Market Cap 323.14M
Enterprise Value 399.75M
Income 18.28M
Sales 95.35M
FCF (ttm) —
Book/sh 54.36
Cash/sh 11.03
Employees 348
Insider 10d —
IPO Jan 04, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 35.36%
P/E 17.69
Forward P/E 8.90
PEG —
P/S 3.39
P/B 1.23
P/C —
EV/EBITDA —
EV/Sales 4.19
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.79
EPS next Y 7.53
EPS Growth 51.70%
Revenue Growth 19.10%
EPS Gr Q/Q 52.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) 2026-04-17
ROA 0.66%
ROE 7.44%
ROIC —
Gross Margin 0.00%
Oper. Margin 41.51%
Profit Margin 19.17%
Shs Outstand 4.82M
Shs Float 3.53M
Insider Own 18.08%
Instit Own 46.86%
Short Float 0.57%
Short Ratio 3.91
Short Interest 24.16K
52W High 70.83
vs 52W High -5.34%
52W Low 43.20
vs 52W Low 55.21%
Beta 0.61
Impl. Vol. —
Rel Volume 2.17
Avg Volume 9.73K
Volume 21.07K
Target (mean) $70.25
Tgt Median $70.25
Tgt Low $68.50
Tgt High $72.00
# Analysts 2
Recom None
Prev Close $67.37
Price $67.05
Change -0.47%
About

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$70.25
Mean price target
2. Current target
$67.05
Latest analyst target
3. DCF / Fair value
$56.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$67.05
Low
$68.50
High
$72.00
Mean
$70.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $64
2025-07-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $59
2025-04-22 main Piper Sandler Neutral → Neutral $50
2025-04-22 main Keefe, Bruyette & Woods Market Perform → Market Perform $55
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $60
2024-04-22 main Keefe, Bruyette & Woods Market Perform → Market Perform $49
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $49
2023-01-31 main Keefe, Bruyette & Woods — → Market Perform $52
2020-10-22 down DA Davidson Buy → Neutral $37
2020-03-09 up DA Davidson Neutral → Buy $37
2019-12-20 init Keefe, Bruyette & Woods — → Market Perform $49
2019-08-27 init DA Davidson — → Neutral —
2019-08-06 up Janney Montgomery Scott Neutral → Buy —
2019-04-22 down Piper Sandler Buy → Hold —
2018-02-20 up Piper Sandler Hold → Buy —
2016-06-06 down Piper Sandler Buy → Hold —
2015-07-27 up Piper Sandler — → Buy $30
News
RSS: Latest CHMG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-27 TYRRELL THOMAS R. Director — 788 $65.10 $51,480
2026-02-26 DALRYMPLE ROBERT H Director — 2,833 $56.56 $160,232
2026-02-17 TOMSON ANDERS Chief Executive Officer — 4,221 $59.24 $250,052
2026-02-17 KENEFICK JEFFREY PATRICK Officer — 1,368 $59.24 $81,040
2026-02-17 HAZELTON KIMBERLY A. Officer — 1,056 $59.24 $62,557
2026-02-17 FARIELLO DANIEL D Officer — 1,267 $59.24 $75,057
2026-02-17 COLE LOREN D Chief Technology Officer — 1,182 $59.24 $70,022
2026-02-17 COSGROVE PETER K Officer — 1,267 $59.24 $75,057
2026-02-17 STEMPIN JOHN J Officer — 127 $59.24 $7,523
2026-02-17 MCKIM DALE M. III Chief Financial Officer — 1,773 $59.24 $105,033
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
93.95
-2.24%
96.11
-1.89%
97.96
+3.54%
94.61
Operating Revenue
93.95
-2.24%
96.11
-1.89%
97.96
+3.54%
94.61
Selling General And Administration
41.77
+7.29%
38.93
+6.45%
36.58
+9.60%
33.37
Selling And Marketing Expense
1.25
+5.58%
1.18
+28.06%
0.92
-1.91%
0.94
General And Administrative Expense
40.52
+7.34%
37.75
+5.89%
35.65
+9.94%
32.43
Salaries And Wages
39.00
+9.47%
35.63
+6.29%
33.52
+7.88%
31.07
Other Gand A
—
—
—
—
Reconciled Depreciation
2.67
+32.24%
2.02
-28.05%
2.80
-7.40%
3.03
Total Unusual Items
0.00
+111.11%
-0.02
-148.65%
0.04
-38.33%
0.06
Total Unusual Items Excluding Goodwill
0.00
+111.11%
-0.02
-148.65%
0.04
-38.33%
0.06
Net Income
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Pretax Income
19.94
-33.73%
30.09
-4.50%
31.50
-14.61%
36.89
Net Interest Income
87.16
+17.69%
74.06
-0.53%
74.46
+0.37%
74.18
Interest Expense
45.68
-14.63%
53.51
+38.55%
38.62
+429.29%
7.30
Interest Income
132.84
+4.13%
127.56
+12.81%
113.07
+38.78%
81.47
Gain On Sale Of Security
-17.29
-9757.54%
0.18
+179.69%
0.06
+118.34%
-0.35
Tax Provision
4.83
-24.66%
6.41
-1.34%
6.50
-19.80%
8.11
Tax Rate For Calcs
0.00
+13.69%
0.00
+3.49%
0.00
-6.36%
0.00
Tax Effect Of Unusual Items
0.00
+112.63%
-0.00
-150.35%
0.01
-42.26%
0.01
Net Income Including Noncontrolling Interests
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Net Income From Continuing Operation Net Minority Interest
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Net Income From Continuing And Discontinued Operation
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Net Income Continuous Operations
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Normalized Income
15.10
-36.24%
23.69
-5.15%
24.97
-13.10%
28.74
Net Income Common Stockholders
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Diluted EPS
3.14
-36.69%
4.96
-6.06%
5.28
-13.87%
6.13
Basic EPS
3.14
-36.69%
4.96
-6.06%
5.28
-13.87%
6.13
Basic Average Shares
4.80
+0.71%
4.77
+0.80%
4.73
+0.83%
4.69
Diluted Average Shares
4.80
+0.71%
4.77
+0.80%
4.73
+0.83%
4.69
Diluted NI Availto Com Stockholders
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Amortization
—
—
0.00
-100.00%
0.01
Amortization Of Intangibles Income Statement
—
—
0.00
-100.00%
0.01
Depreciation Amortization Depletion Income Statement
—
—
0.00
-100.00%
0.01
Depreciation And Amortization In Income Statement
—
—
0.00
-100.00%
0.01
Insurance And Claims
1.52
-28.40%
2.12
-0.38%
2.13
+56.93%
1.36
Occupancy And Equipment
7.51
+0.31%
7.49
+1.71%
7.37
-1.07%
7.45
Other Non Interest Expense
17.59
+1.71%
17.29
+1.93%
16.96
+11.04%
15.28
Professional Expense And Contract Services Expense
2.71
+15.00%
2.35
+2.62%
2.29
+5.62%
2.17
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,710.24
-2.37%
2,776.15
+2.42%
2,710.53
+2.46%
2,645.55
Cash And Cash Equivalents
50.10
+6.51%
47.03
+27.65%
36.85
-34.05%
55.87
Cash Financial
22.77
-13.16%
26.22
+17.88%
22.25
-24.09%
29.31
Other Short Term Investments
254.29
-52.15%
531.44
-9.00%
583.99
-7.68%
632.59
Receivables
—
—
—
59.46
Accounts Receivable
—
—
—
59.46
Net PPE
20.16
-7.63%
21.82
+7.92%
20.22
-10.38%
22.56
Gross PPE
92.39
-0.40%
92.76
-1.28%
93.96
-0.30%
94.25
Accumulated Depreciation
-72.23
-1.83%
-70.94
+3.81%
-73.74
-2.87%
-71.69
Land And Improvements
4.30
+0.00%
4.30
-7.85%
4.66
-0.21%
4.67
Buildings And Improvements
39.60
+0.35%
39.46
-3.11%
40.73
+0.76%
40.42
Machinery Furniture Equipment
37.25
+0.75%
36.98
-0.70%
37.24
+0.74%
36.96
Construction In Progress
0.01
-85.90%
0.08
+609.09%
0.01
-86.59%
0.08
Leases
11.23
-6.00%
11.94
+5.48%
11.32
-6.48%
12.11
Goodwill And Other Intangible Assets
21.82
+0.00%
21.82
+0.00%
21.82
+0.00%
21.82
Goodwill
21.82
+0.00%
21.82
+0.00%
21.82
+0.00%
21.82
Other Intangible Assets
—
—
—
—
Investments And Advances
285.00
-46.78%
535.49
-8.90%
587.82
-7.84%
637.84
Total Liabilities Net Minority Interest
2,455.53
-4.11%
2,560.84
+1.81%
2,515.29
+1.46%
2,479.16
Payables And Accrued Expenses
—
0.00
-100.00%
1.47
+0.96%
1.46
Payables
—
0.00
-100.00%
1.47
+0.96%
1.46
Accounts Payable
—
—
19.61
+9.18%
17.96
Dividends Payable
—
0.00
-100.00%
1.47
+0.96%
1.46
Current Debt And Capital Lease Obligation
87.11
-20.16%
109.11
+241.82%
31.92
-66.68%
95.81
Current Debt
87.11
-20.16%
109.11
+241.82%
31.92
-66.68%
95.81
Other Current Borrowings
87.11
-20.16%
109.11
+241.82%
31.92
-66.68%
95.81
Long Term Debt And Capital Lease Obligation
52.41
+457.07%
9.41
+5.98%
8.88
-10.76%
9.95
Long Term Debt
44.03
—
—
—
Long Term Capital Lease Obligation
8.38
-10.92%
9.41
+5.98%
8.88
-10.76%
9.95
Stockholders Equity
254.71
+18.30%
215.31
+10.28%
195.24
+17.34%
166.39
Common Stock Equity
254.71
+18.30%
215.31
+10.28%
195.24
+17.34%
166.39
Capital Stock
0.05
+0.00%
0.05
+0.00%
0.05
+0.00%
0.05
Common Stock
0.05
+0.00%
0.05
+0.00%
0.05
+0.00%
0.05
Share Issued
5.33
+0.02%
5.33
+0.32%
5.31
+0.00%
5.31
Ordinary Shares Number
4.81
+0.80%
4.77
+0.71%
4.74
+0.91%
4.69
Treasury Shares Number
0.52
-6.62%
0.56
-2.93%
0.57
-6.95%
0.62
Additional Paid In Capital
49.55
+1.57%
48.78
+2.11%
47.77
+0.93%
47.33
Retained Earnings
256.48
+3.54%
247.71
+7.73%
229.93
+8.53%
211.86
Gains Losses Not Affecting Retained Earnings
-36.05
+44.59%
-65.06
+1.44%
-66.01
+12.28%
-75.26
Treasury Stock
15.32
-5.23%
16.17
-2.03%
16.50
-6.23%
17.60
Other Equity Adjustments
-36.05
+44.59%
-65.06
+1.44%
-66.01
+12.28%
-75.26
Total Equity Gross Minority Interest
254.71
+18.30%
215.31
+10.28%
195.24
+17.34%
166.39
Total Capitalization
298.74
—
—
—
Invested Capital
385.85
+18.93%
324.42
+42.81%
227.16
-13.36%
262.20
Total Debt
139.52
+17.72%
118.52
+190.51%
40.80
-61.42%
105.76
Net Debt
81.04
+30.55%
62.08
—
39.94
Capital Lease Obligations
8.38
-10.92%
9.41
+5.98%
8.88
-10.76%
9.95
Net Tangible Assets
232.88
+20.36%
193.49
+11.57%
173.42
+19.96%
144.56
Tangible Book Value
232.88
+20.36%
193.49
+11.57%
173.42
+19.96%
144.56
Available For Sale Securities
30.07
+829.49%
3.23
+6.20%
3.05
+7.63%
2.83
Cash Cash Equivalents And Federal Funds Sold
50.10
+6.51%
47.03
+27.65%
36.85
-34.05%
55.87
Derivative Product Liabilities
17.41
-27.00%
23.85
-0.54%
23.98
-10.39%
26.76
Held To Maturity Securities
0.64
-20.79%
0.81
+2.93%
0.79
-67.62%
2.42
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
45.50
+52.60%
29.82
-3.45%
30.88
-11.89%
35.05
Cash Flow From Continuing Operating Activities
45.50
+52.60%
29.82
-3.45%
30.88
-11.89%
35.05
Net Income From Continuing Operations
15.10
-36.19%
23.67
-5.32%
25.00
-13.14%
28.78
Depreciation Amortization Depletion
2.67
+32.24%
2.02
-28.05%
2.80
-7.40%
3.03
Depreciation
2.67
+32.24%
2.02
-28.05%
2.80
-6.94%
3.01
Amortization Cash Flow
—
0.00
0.00
-100.00%
0.01
Depreciation And Amortization
2.67
+32.24%
2.02
-28.05%
2.80
-7.40%
3.03
Amortization Of Intangibles
—
0.00
0.00
-100.00%
0.01
Other Non Cash Items
-0.82
-11842.86%
0.01
+100.24%
-2.92
+89.86%
-28.79
Stock Based Compensation
1.45
+16.80%
1.24
+8.69%
1.14
+43.27%
0.80
Asset Impairment Charge
0.00
-100.00%
0.04
+1400.00%
0.00
0.00
Deferred Tax
-2.67
-338.45%
1.12
+169.67%
-1.61
-193.44%
1.72
Deferred Income Tax
-2.67
-338.45%
1.12
+169.67%
-1.61
-193.44%
1.72
Operating Gains Losses
16.71
+6287.78%
-0.27
-71.97%
-0.16
+29.91%
-0.22
Gain Loss On Investment Securities
17.50
0.00
—
—
Unrealized Gain Loss On Investment Securities
-0.21
-17.88%
-0.18
-73.79%
-0.10
-129.51%
0.35
Gain Loss On Sale Of PPE
-0.64
-1541.03%
-0.04
-1400.00%
0.00
-94.64%
0.06
Change In Working Capital
7.41
+15859.57%
-0.05
-105.57%
0.84
-96.78%
26.18
Change In Receivables
0.36
+174.28%
-0.49
—
—
Changes In Account Receivables
0.36
+174.28%
-0.49
—
—
Change In Payables And Accrued Expense
-1.63
-434.70%
0.49
-76.97%
2.12
+223.39%
0.65
Change In Payable
-1.63
-434.70%
0.49
-76.97%
2.12
+223.39%
0.65
Change In Account Payable
-1.63
-434.70%
0.49
-76.97%
2.12
+223.39%
0.65
Change In Other Current Assets
4.53
+309.18%
-2.17
—
—
Change In Other Current Liabilities
4.14
+95.52%
2.12
+266.72%
-1.27
-104.98%
25.53
Investing Cash Flow
68.32
+218.36%
-57.72
+29.93%
-82.38
+67.39%
-252.62
Cash Flow From Continuing Investing Activities
68.32
+218.36%
-57.72
+29.93%
-82.38
+67.39%
-252.62
Net PPE Purchase And Sale
-0.28
+92.13%
-3.58
-675.32%
-0.46
-8.45%
-0.43
Purchase Of PPE
-1.69
+53.47%
-3.63
-684.85%
-0.46
-8.45%
-0.43
Sale Of PPE
1.41
+3093.18%
0.04
0.00
—
Capital Expenditure
-1.69
+53.47%
-3.63
-684.85%
-0.46
-8.45%
-0.43
Net Investment Purchase And Sale
270.62
+446.27%
49.54
-16.40%
59.26
-7.15%
63.82
Purchase Of Investment
-4.15
+19.53%
-5.16
-60.70%
-3.21
+87.02%
-24.72
Sale Of Investment
274.77
+402.35%
54.70
-12.44%
62.47
-29.45%
88.54
Net Other Investing Changes
0.06
+101.99%
-3.22
-207.67%
2.99
+181.77%
-3.65
Financing Cash Flow
-110.76
-390.73%
38.10
+17.30%
32.48
-86.82%
246.46
Cash Flow From Continuing Financing Activities
-110.76
-390.73%
38.10
+17.30%
32.48
-86.82%
246.46
Net Issuance Payments Of Debt
22.66
-70.91%
77.92
+221.43%
-64.17
-179.24%
80.97
Issuance Of Debt
45.00
+6072.84%
0.73
—
—
Repayment Of Debt
-0.34
—
-0.28
-3.75%
-0.27
Long Term Debt Issuance
45.00
+6072.84%
0.73
—
—
Long Term Debt Payments
-0.34
—
-0.28
-3.75%
-0.27
Net Long Term Debt Issuance
44.66
+6026.89%
0.73
+363.18%
-0.28
-3.75%
-0.27
Net Short Term Debt Issuance
-22.00
-128.50%
77.19
+220.82%
-63.89
-178.64%
81.24
Net Common Stock Issuance
0.14
+62.79%
0.09
-69.82%
0.28
+155.99%
-0.51
Common Stock Payments
-0.40
-15.12%
-0.34
-8.86%
-0.32
+66.13%
-0.93
Common Stock Dividend Paid
-6.33
+14.12%
-7.37
-26.11%
-5.84
-0.74%
-5.80
Cash Dividends Paid
-6.33
+14.12%
-7.37
-26.11%
-5.84
-0.74%
-5.80
Repurchase Of Capital Stock
-0.40
-15.12%
-0.34
-8.86%
-0.32
+66.13%
-0.93
Net Other Financing Charges
-1.03
—
—
—
Changes In Cash
3.06
-69.95%
10.19
+153.56%
-19.02
-165.85%
28.89
Beginning Cash Position
47.03
+27.65%
36.85
-34.05%
55.87
+107.07%
26.98
End Cash Position
50.10
+6.51%
47.03
+27.65%
36.85
-34.05%
55.87
Free Cash Flow
43.81
+67.29%
26.19
-13.91%
30.42
-12.14%
34.62
Interest Paid Supplemental Data
47.31
-10.77%
53.02
+45.25%
36.50
+449.56%
6.64
Income Tax Paid Supplemental Data
6.35
+4.34%
6.08
-22.62%
7.86
+39.79%
5.62
Common Stock Issuance
0.54
+24.65%
0.43
-28.45%
0.60
+41.75%
0.42
Issuance Of Capital Stock
0.54
+24.65%
0.43
-28.45%
0.60
+41.75%
0.42
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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