Chemung Financial Corporation
General ticker "CHMG" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $238.5M (TTM average)
Chemung Financial Corporation follows the US Stock Market performance with the rate: 61.4%.
Estimated limits based on current volatility of 1.4%: low 55.14$, high 56.72$
Factors to consider:
- Earnings expected soon, date: 2026-01-27 bmo
- Company pays dividends (quarterly): last record date 2025-12-19, amount 0.34$ (Y2.46%)
- Total employees count: 343 (+1.2%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Market volatility, Acquisition/divestiture risks, Operational and conduct risks, Cybersecurity threats
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [44.84$, 60.03$]
- 2025-12-31 to 2026-12-31 estimated range: [43.09$, 59.22$]
Financial Metrics affecting the CHMG estimates:
- Negative: with PPE of 10.0 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 20.11 > 18.33
- Positive: 6.63 < Operating cash flow per share per price, % of 12.57
- Positive: Industry operating profit margin (median), % of 21.25 > 9.53
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Negative: Shareholder equity ratio, % of 7.76 <= 19.35
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 0.85
Short-term CHMG quotes
Long-term CHMG plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $101.91MM | $136.58MM | $149.61MM |
| Operating Expenses | $65.02MM | $105.08MM | $119.53MM |
| Operating Income | $36.89MM | $31.50MM | $30.09MM |
| Interest Expense | $7.30MM | $38.62MM | $53.51MM |
| Income(Loss) | $36.89MM | $31.50MM | $30.09MM |
| Taxes | $8.11MM | $6.50MM | $6.41MM |
| Profit(Loss)* | $28.78MM | $25.00MM | $23.67MM |
| Stockholders Equity | $166.39MM | $195.24MM | $215.31MM |
| Assets | $2,645.55MM | $2,710.53MM | $2,776.15MM |
| Operating Cash Flow | $35.05MM | $30.88MM | $29.82MM |
| Capital expenditure | $0.43MM | $0.46MM | $3.63MM |
| Investing Cash Flow | $-252.62MM | $-82.38MM | $-57.72MM |
| Financing Cash Flow | $246.46MM | $32.48MM | $38.10MM |
| Earnings Per Share** | $6.13 | $5.28 | $4.96 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.