Chemung Financial Corporation
General ticker "CHMG" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $265.1M (TTM average)
Chemung Financial Corporation follows the US Stock Market performance with the rate: 53.0%.
Estimated limits based on current volatility of 1.3%: low 75.18$, high 77.22$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-17, amount 0.34$ (Y1.79%)
- Total employees count: 348 (+1.5%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Interest rate risk, Liquidity and credit risks, Regulatory and compliance, Cybersecurity threats
- Current price 23.5% above estimated high
- Earnings for 3 months up through Q1 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [45.43$, 61.52$]
- 2026-12-31 to 2027-12-31 estimated range: [46.00$, 62.84$]
Financial Metrics affecting the CHMG estimates:
- Negative: with PPE of 9.8 at the end of fiscal year the price was high
- Positive: Operating cash flow per share per price, % of 16.68 > 12.93
- Positive: 7.57 < Operating profit margin, % of 14.25
- Positive: Investing cash flow per share per price, % of 25.05 > -0.60
- Positive: Shareholder equity ratio, % of 9.40 <= 19.19
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.55 <= 1.77
- Negative: -0.75 < Inventory ratio change, % of 0
Short-term CHMG quotes
Long-term CHMG plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $136.58MM | $149.61MM | $139.94MM |
| Operating Expenses | $105.08MM | $119.53MM | $120.01MM |
| Operating Income | $31.50MM | $30.09MM | $19.94MM |
| Interest Expense | $38.62MM | $53.51MM | $45.68MM |
| Income(Loss) | $31.50MM | $30.09MM | $19.94MM |
| Taxes | $6.50MM | $6.41MM | $4.83MM |
| Net Income(Loss)* | $25.00MM | $23.67MM | $15.10MM |
| Stockholders Equity | $195.24MM | $215.31MM | $254.71MM |
| Assets | $2,710.53MM | $2,776.15MM | $2,710.24MM |
| Operating Cash Flow | $30.88MM | $29.82MM | $45.50MM |
| Capital expenditure | $0.46MM | $3.63MM | $1.69MM |
| Investing Cash Flow | $-82.38MM | $-57.72MM | $68.32MM |
| Financing Cash Flow | $32.48MM | $38.10MM | $-110.76MM |
| Earnings Per Share** | $5.28 | $4.96 | $3.14 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.