Chemung Financial Corporation (CHMG)

Chemung Financial Statistics

Total Valuation

CHMG has a market cap or net worth of $228.45 million. The enterprise value is $269.32 million.

Market Cap	228.45M
Enterprise Value	269.32M

Important Dates

The next estimated earnings date is Tuesday, May 20, 2025, after market close.

Earnings Date	May 20, 2025
Ex-Dividend Date	Mar 18, 2025

Share Statistics

CHMG has 4.79 million shares outstanding. The number of shares has increased by 0.95% in one year.

Current Share Class	4.79M
Shares Outstanding	4.79M
Shares Change (YoY)	+0.95%
Shares Change (QoQ)	+0.36%
Owned by Insiders (%)	19.61%
Owned by Institutions (%)	44.21%
Float	3.16M

Valuation Ratios

The trailing PE ratio is 10.06 and the forward PE ratio is 8.54.

PE Ratio	10.06
Forward PE	8.54
PS Ratio	2.37
Forward PS	2.03
PB Ratio	1.00
P/TBV Ratio	1.11
P/FCF Ratio	9.07
P/OCF Ratio	7.86
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.89
EV / Sales	2.80
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	10.69

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.56
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.65%.

Return on Equity (ROE)	10.65%
Return on Assets (ROA)	0.81%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$280,359
Profits Per Employee	$66,017
Employee Count	343
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CHMG has paid $6.04 million in taxes.

Income Tax	6.04M
Effective Tax Rate	21.06%

Stock Price Statistics

The stock price has increased by +10.14% in the last 52 weeks. The beta is 0.38, so CHMG's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	+10.14%
50-Day Moving Average	46.02
200-Day Moving Average	48.06
Relative Strength Index (RSI)	61.42
Average Volume (20 Days)	10,937

Short Selling Information

The latest short interest is 15,535, so 0.32% of the outstanding shares have been sold short.

Short Interest	15,535
Short Previous Month	14,322
Short % of Shares Out	0.32%
Short % of Float	0.49%
Short Ratio (days to cover)	1.19

Income Statement

In the last 12 months, CHMG had revenue of $96.16 million and earned $22.64 million in profits. Earnings per share was $4.74.

Revenue	96.16M
Gross Profit	96.16M
Operating Income	30.79M
Pretax Income	29.70M
Net Income	22.64M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.74

Balance Sheet

The company has $73.95 million in cash and $114.81 million in debt, giving a net cash position of -$40.87 million or -$8.53 per share.

Cash & Cash Equivalents	73.95M
Total Debt	114.81M
Net Cash	-40.87M
Net Cash Per Share	-$8.53
Equity (Book Value)	228.31M
Book Value Per Share	47.67
Working Capital	-2.39B

Cash Flow

In the last 12 months, operating cash flow was $29.06 million and capital expenditures -$3.87 million, giving a free cash flow of $25.19 million.

Operating Cash Flow	29.06M
Capital Expenditures	-3.87M
Free Cash Flow	25.19M
FCF Per Share	$5.26

Margins

Gross Margin	n/a
Operating Margin	32.01%
Pretax Margin	29.83%
Profit Margin	23.55%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	26.19%

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 2.68%.

Dividend Per Share	$1.28
Dividend Yield	2.68%
Dividend Growth (YoY)	0.81%
Years of Dividend Growth	n/a
Payout Ratio	27.00%
Buyback Yield	-0.95%
Shareholder Yield	1.72%
Earnings Yield	9.91%
FCF Yield	11.03%

Analyst Forecast

The average price target for CHMG is $55.00, which is 15.33% higher than the current price. The consensus rating is "Hold".

Price Target	$55.00
Price Target Difference	15.33%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on June 3, 1998. It was a forward split with a ratio of 2:1.

Last Split Date	Jun 3, 1998
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4