Chemung Financial Corp (CHMG) stock
CHMGNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 17/3014% above fair value
$85.11−0.58 (-0.68%)
Close on Nov 13, 2026Market cap $410.36MP/E 10.7Yield 1.55%
Chemung Financial statistics
90 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 25, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 17, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.63
- 1.52
- P/OCF Ratio
- 8.92
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.74
- 2.95
- EV / FCF
- 7.64
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.66%
- 0.33%
- Float
- 4M
- 17M
- Shares Held by Insiders
- 13.0%
- 6.05%
- Shares Held by Institutions
- 49.8%
- 61.3%
Short sellingIndustry
- Short Interest
- 193,737
- –
- Short Interest Change
- 6.47%
- -4.13%
- Short % of Float
- 4.62%
- 3.58%
- Short % of Shares Outstanding
- 4.02%
- 3.18%
- Days to Cover
- 2.74
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $89.34
- –
- 52-Week Low
- $50.31
- –
- 20-Day Moving Average
- $84.95
- –
- 50-Day Moving Average
- $83.28
- –
- 200-Day Moving Average
- $71.89
- –
- Average True Range (14)
- $1.98
- –
- Price Change (1 Week)
- 0.42%
- 0.69%
- Price Change (1 Month)
- 6.92%
- 3.79%
- Price Change (3 Months)
- 2.80%
- -2.72%
- Price Change (6 Months)
- 29.9%
- 12.2%
- Price Change (YTD)
- 52.5%
- 19.9%
- Price Change (1 Year)
- 62.7%
- 25.7%
- Price Change (3 Years)
- 88.8%
- 65.1%
- Price Change (5 Years)
- 76.6%
- 26.9%
- Price Change (10 Years)
- 168.5%
- 66.8%
- Average Volume (10 Days)
- 59,865
- –
- Average Volume (20 Days)
- 67,111
- –
- Average Volume (90 Days)
- 68,514
- –
- Relative Volume
- 0.54
- 0.68
- Relative Strength Index (14)
- 53.1
- 53.1
- Volatility (1 Year)
- 29.3%
- 24.4%
- Beta (5 Years)
- 0.34
- 0.63
MarginsIndustry
- Pretax Margin
- 41.0%
- 37.0%
- FCF Margin
- 35.8%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.8%
- 10.7%
- Return on Assets (ROA)
- 1.39%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 36.6%
- 11.7%
- Net Income Growth (YoY)
- 189.7%
- 22.6%
- EPS Growth (YoY)
- 187.7%
- 21.6%
- FCF Growth (YoY)
- 36.7%
- 27.2%
- Revenue Growth (3Y CAGR)
- -0.18%
- 5.82%
- Revenue Growth (5Y CAGR)
- 2.50%
- 6.17%
- EPS Growth (3Y CAGR)
- -20.0%
- 1.31%
- EPS Growth (5Y CAGR)
- -4.77%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $355.10K
- $358.92K
- Profits Per Employee
- $110.51K
- $110.51K
- Employee Count
- 348
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $50.63M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $71.84M
- $165.09M
- Net Cash Per Share
- $14.90
- $8.07
- Equity (Book Value)
- $273.51M
- $570.13M
- Book Value Per Share
- $56.73
- $28.12
- Tangible Book Value
- $251.69M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.72M
- -$4.24M
- FCF Per Share
- $9.19
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 9.37%
- 8.29%
- FCF Yield
- 10.8%
- 9.18%
- Dividend Yield
- 1.55%
- 2.44%
- Buyback Yield
- 0.13%
- 1.82%
- Shareholder Yield
- 1.68%
- 3.26%
- Dividend Per Share
- $1.32
- $0.92
- Dividend Growth (YoY)
- 6.45%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 17.3%
- 28.5%
- FCF Payout Ratio
- 15.0%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $12.18M
- $16.14M
- Effective Tax Rate
- 24.0%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $100.86
- $45.07
- Graham Upside
- 18.5%
- 18.8%
- Altman Z-Score
- 0.28
- 0.22
- Piotroski F-Score
- 4
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CHMG | S&P 500 | Difference | CHMG per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +5.9% | -3.0% | +8.9 pts | ||
| 3 months | +2.3% | -2.8% | +5.1 pts | ||
| Year to date | +54.9% | +11.5% | +43.5 pts | ||
| 1 year | +67.1% | +13.5% | +53.6 pts | ||
| 3 years | +112.8% | +77.7% | +35.1 pts | +28.6% | +21.1% |
| 5 years | +101.6% | +72.6% | +29.0 pts | +15.0% | +11.5% |
| 10 years | +258.9% | +308.2% | −49.3 pts | +13.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M CHMG shares were sold short on Oct 30, 2026, up 6.5% from the previous report, or 4.62% of the shares available to trade. At recent volumes it would take 2.7 days to buy them back. Over the last 20 sessions, 60.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 193,737 | +6.5% | 70,614 | 2.7 |
| Oct 15, 2026 | 181,963 | +20.1% | 70,374 | 2.6 |
| Sep 30, 2026 | 151,479 | +3.6% | 86,764 | 1.8 |
| Sep 15, 2026 | 146,225 | +44.9% | 69,060 | 2.1 |
| Aug 31, 2026 | 100,937 | +41.2% | 48,712 | 2.1 |
| Aug 14, 2026 | 71,490 | +19.3% | 62,941 | 1.1 |
| Jul 31, 2026 | 59,931 | -32.6% | 71,796 | 1.0 |
| Jul 15, 2026 | 88,921 | +10.1% | 60,680 | 1.5 |
| Jun 30, 2026 | 80,780 | +94.6% | 50,064 | 1.6 |
| Jun 15, 2026 | 41,514 | +28.5% | 48,007 | 1.0 |
| May 29, 2026 | 32,302 | +6.3% | 45,961 | 1.0 |
| May 15, 2026 | 30,382 | +22.0% | 40,107 | 1.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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