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Ticker
CHMG

Price
42.51
Stock movement up
+0.15 (0.35%)
Company name
Chemung Financial Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
202.29M
Ent value
2.68B
Price/Sales
1.43
Price/Book
0.92
Div yield
2.92%
Div growth
3.58%
Growth years
-
FCF payout
215.00%
Trailing P/E
9.38
Forward P/E
8.02
PEG
-
EPS growth
5.40%
1 year return
7.51%
3 year return
-3.02%
5 year return
5.24%
10 year return
4.46%
Last updated: 2025-04-18

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.24
Dividend yield2.92%
Payout frequency-
Maximum yield4.36%
Average yield2.90%
Minimum yield2.25%
Discount to avg yield0.63%
Upside potential0.64%
Yield as % of max yield66.89%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.92%
Current yield distribution34.92%
Yield at 100% (Min)2.25%
Yield at 90%2.53%
Yield at 80%2.64%
Yield at 50% (Median)2.81%
Yield at 20%3.08%
Yield at 10%3.47%
Yield at 0% (Max)4.36%

Dividend per share

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Dividend per share data
Years of growth-
CCC status-
Dividend per share1.24
Payout frequency-
Ex-div date18 Mar 2025
EPS (TTM)4.52
EPS (1y forward)5.30
EPS growth (5y)5.40%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
CHMGS&P500
DGR MR19.23%-13.74%
DGR TTM-6.60%
DGR 3 years6.04%5.24%
DGR 5 years3.58%5.40%
DGR 10 years1.77%7.07%
DGR 15 years3.41%6.12%
Time since last change announced1433 days
EPS growth (5y)5.40%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM34.11%215.00%
Average35.90%24.89%
Forward23.40%-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E9.38
Price to OCF35.97
Price to FCF59.15
Price to EBITDA10.77
EV to EBITDA142.41

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.43
Price to Book0.92
EV to Sales18.87

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FINANCIALS

Per share

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Per share data
Current share count4.76M
EPS (TTM)4.52
FCF per share (TTM)0.72

Income statement

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Income statement data
Revenue (TTM)141.75M
Gross profit (TTM)105.39M
Operating income (TTM)28.46M
Net income (TTM)21.56M
EPS (TTM)4.52
EPS (1y forward)5.30

Margins

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Margins data
Gross margin (TTM)74.35%
Operating margin (TTM)20.08%
Profit margin (TTM)15.21%

Balance Sheet

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Balance Sheet data
Cash80.44M
Net receivables0.00
Total current assets643.11M
Goodwill21.82M
Intangible assets0.00
Property, plant and equipment21.13M
Total assets2.77B
Accounts payable0.00
Short/Current long term debt59.58M
Total current liabilities1.60B
Total liabilities2.55B
Shareholder's equity220.65M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)5.62M
Capital expenditures (TTM)2.20M
Free cash flow (TTM)3.42M
Dividends paid (TTM)7.35M

Financial returns

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Financial returns data
Return on Equity9.77%
Return on Assets0.78%
Return on Invested Capital9.77%
Cash Return on Invested Capital1.55%

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open42.44
Daily high42.94
Daily low41.98
Daily Volume6K
All-time high55.10
1y analyst estimate57.00
Beta0.17
EPS (TTM)4.52
Dividend per share1.24
Ex-div date18 Mar 2025
Next earnings date16 Jul 2025

Downside potential

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Downside potential data
CHMGS&P500
Current price drop from All-time high-22.85%-14.12%
Highest price drop-59.08%-56.47%
Date of highest drop10 Mar 20099 Mar 2009
Avg drop from high-20.35%-11.07%
Avg time to new high54 days12 days
Max time to new high2456 days1805 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
CHMG (Chemung Financial Corp) company logo
Marketcap
202.29M
Marketcap category
Small-cap
Description
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 accounts. 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. 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. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
Employees
339
Investor relations
-
SEC filings
CEO
Anders M. Tomson
Country
USA
City
Elmira
Stock type
Common stock
CCC status
-
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
No events found

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UNDERSTAND THE BUSINESS
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