Chemung Financial (CHMG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Chemung Financial

NasdaqGS•Financial Services•Banks - Regional

$84.84+0.27(<0.01%)Market closed

Market Cap

$394.42M

P/E

11.8x

P/S

3.3x

P/B

1.5x

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.

How this company scores

ExcellentMetricSide Score: 86/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability20/25

Growth23/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.8x5y range 7.7x – 20.8x

Currently above its 20-quarter median.

P/S · 3.3x5y range 2.2x – 3.3x

Currently above its 20-quarter median.

P/B · 1.5x5y range 1.0x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Price & Volume

Market Cap $394.42M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $120.37M
Q. Revenue: $31.17M
TTM EBITDA: $46.12M
TTM Op. Income: $44.19M
Q. Op. Income: $11.29M
TTM Net Income: $33.54M
Q. Net Income: $8.81M
EPS: $1.82
Shares Out.: $4.77M

$120.37M in TTM revenue grew 40.0% YoY, reaching $31.17M last quarter. TTM EBITDA of $46.12M and TTM operating income of $44.19M show growth is flowing through to the bottom line. TTM net income of $33.54M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 67.2%
EBITDA Margin: 37.8%
Op. Margin: 36.2%
Net Margin: 28.3%

Op. margin of 36.2% is up 123.4% YoY — cost efficiency is improving. Net margin at 28.3% and gross margin of 67.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 142% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.8x
P/S Ratio: 3.3x
P/B Ratio: 1.5x

At 11.8x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 4 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.82B
Cash: $73.11M
Long-Term Debt: $44.08M
Book Value: $270.36M
D/E Ratio: 0.2
Debt/EBITDA: 3.7

With $2.82B in assets and $44.08M in long-term debt, D/E is 0.2and book value is $270.36M — a conservative capital structure with a cushion to weather downturns. Across the last 5 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $9.23M
TTM Free Cash Flow: $45.39M
FCF Margin: 37.7%
FCF / Net Income: 1.4

TTM FCF of $45.39M on $9.23M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 56% — a weakening trend.