CHMGNasdaqState Commercial BanksFiscal year ends December 31
CHEMUNG FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$79.69−0.82 (-1.02%)
Close on Oct 19, 2026
- Market cap
- $385.52M
- P/E (TTM)
- 11.4
- Dividend yield
- 1.66%
Chemung Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Market Cap | $384.22M | $679.86M |
| Enterprise Value | $311.11M | $408.94M |
| PE Ratio | 11.45 | 12.00 |
| PS Ratio | 3.19 | 3.61 |
| PB Ratio | 1.42 | 1.18 |
| P/TBV Ratio | 1.55 | 1.41 |
| P/FCF Ratio | 8.46 | 10.93 |
| P/OCF Ratio | 8.20 | 10.04 |
Enterprise value
| Measure | Chemung Financial | Industry median |
|---|---|---|
| EV / Sales | 2.58 | 2.78 |
| EV / FCF | 6.85 | 8.25 |
Income (trailing twelve months)
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Revenue | $120.37M | $170.85M |
| Pretax Income | $44.19M | $70.12M |
| Net Income | $33.54M | $54.33M |
| EPS (Diluted) | $6.96 | $2.90 |
Margins
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Pretax Margin | 36.7% | 36.4% |
| Profit Margin | 27.9% | 29.1% |
| FCF Margin | 37.7% | 33.0% |
Returns
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 13.3% | 10.5% |
| Return on Assets (ROA) | 1.18% | 1.12% |
Growth
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 40.0% | 11.8% |
| Net Income Growth (YoY) | 199.3% | 23.1% |
| EPS Growth (YoY) | 197.4% | 22.7% |
| FCF Growth (YoY) | 56.0% | 27.1% |
| Revenue Growth (3Y CAGR) | -0.18% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.50% | 6.17% |
| EPS Growth (3Y CAGR) | -20.0% | 1.26% |
| EPS Growth (5Y CAGR) | -4.77% | 8.24% |
Balance sheet
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $73.11M | $205.54M |
| Net Cash (Debt) | $73.11M | $164.40M |
| Net Cash Per Share | $15.16 | $8.13 |
| Equity (Book Value) | $270.36M | $560.44M |
| Book Value Per Share | $56.07 | $28.47 |
| Tangible Book Value | $248.54M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $46.85M | $61.20M |
| Capital Expenditures | -$1.46M | -$4.02M |
| Free Cash Flow | $45.39M | $52.43M |
| FCF Per Share | $9.41 | $3.07 |
Efficiency
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $345.89K | $353.78K |
| Profits Per Employee | $96.39K | $107.28K |
| Employee Count | 348 | 489 |
Dividends and yields
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Earnings Yield | 8.73% | 8.07% |
| FCF Yield | 11.8% | 8.89% |
| Dividend Yield | 1.66% | 2.48% |
| Buyback Yield | 0.13% | 1.55% |
| Shareholder Yield | 1.78% | 3.13% |
| Dividend Per Share | $1.32 | $0.93 |
| Dividend Growth (YoY) | 6.45% | 4.26% |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 19.5% | 29.4% |
| FCF Payout Ratio | 14.4% | 26.0% |
Shares
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Shares Outstanding | 4,821,470 | 18,839,100 |
| Shares Change (YoY) | 0.71% | 0.39% |
| Float | 4,192,400 | 17,061,900 |
| Shares Held by Insiders | 13.0% | 5.89% |
| Shares Held by Institutions | 49.8% | 61.9% |
Taxes
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Income Tax | $10.65M | $14.50M |
| Effective Tax Rate | 24.1% | 21.1% |
Scores
| Measure | Chemung Financial | Industry median |
|---|---|---|
| Graham Number | $93.71 | $45.31 |
| Graham Upside | 17.6% | 21.6% |
| Altman Z-Score | 0.27 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Chemung Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.