CHMG logo

CHEMUNG FINANCIAL CORP

CHMGNASDAQ
πŸ† #3159 by market capEarnings Oct 27US Equity
$80.75β–Ό $0.59 (βˆ’0.73%)
Live
πŸ””
Track CHMG
Get earnings, price moves & breaking news on Telegram
Track
24hβ–Ό 0.7%
7dβ–Ό 0.9%
14dβ–Ό 2.3%
30dβ–Ό 0.8%
ytdβ–² 46.6%
1yβ–² 52.4%
🏦Market Cap
$389M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-6.5%
Declining
πŸ“ŠGross Margin
67.5%
High
πŸ’΅FCF Margin
32.8%
Strong
βš–οΈP/S Ratio
2.8x
Cheap
Otter Score
80
Good

Trading Snapshot

Day Range
$79.71 – $81.57
52-Week Range
$49.82 – $86.00
Volume
$1.89B
Avg Volume
$1.82B
Shares Outstanding
4.8M
Next Earnings
Nov 30, 2026

Fundamentals Snapshot

Annual Revenue
$140M
Last Q Revenue
$18M
P/E Ratio
11.6
P/S Ratio
2.8x
EPS (TTM)
$6.94
Dividend Yield
1.71%
Dilution (1yr)
+0.8%

Why Investors Own CHMG

  • βœ“High-growth profile β€” revenue up +48.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 75% gross margin and 20% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CHMG logo

CHEMUNG FINANCIAL CORP

CHMG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$140Mβ–Ό βˆ’6.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
64.2%β–Ό βˆ’0.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$20Mβ–Ό βˆ’33.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$44Mβ–² +67.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.8Mβ–² +0.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$18Mβ–² +$89M YoY
StockOtter Β· stockotter.space

About CHEMUNG FINANCIAL CORP

Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Zacks Investment ResearchΒ·Aug 24

3 Bank Stocks With Recent Dividend Increases Worth Considering

Dividend hikes from Unity Bancorp, Stock Yards Bancorp and Chemung Financial highlight their profitability, capital strength and income appeal.

GlobeNewsWireΒ·Aug 19

Chemung Financial Corporation Announces Dividend Increase

ELMIRA, N.Y., Aug. 19, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (Nasdaq: CHMG) announced today that its Board of Directors has approved a dividend increase of $0.02 per share, raising its quarterly cash div

Zacks Investment ResearchΒ·Aug 14

All You Need to Know About Chemung Financial (CHMG) Rating Upgrade to Strong Buy

Chemung Financial (CHMG) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).

Zacks Investment ResearchΒ·Aug 14

New Strong Buy Stocks for August 14th

WDC, CECO, CHMG, CZFS and AMP have been added to the Zacks Rank #1 (Strong Buy) List on August 14, 2026.

Zacks Investment ResearchΒ·Jul 28

Why Chemung Financial (CHMG) Might be Well Poised for a Surge

Chemung Financial (CHMG) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Seeking AlphaΒ·Jul 27

Chemung Financial: Completely Flying Under The Radar, But Attractive

Chemung Financial (CHMG) delivered robust Q2 results, with net interest income up 18.6% and EPS of $1.82, reversing last year's loss. CHMG's dividend payout ratio remains below 20%, supporting strong balance sheet growth