CHMG logo

CHEMUNG FINANCIAL CORP

CHMGNASDAQ
πŸ† #3041 by market capEarnings Oct 19US Equity
$82.58β–² $1.49 (+1.81%)
πŸŒ™ After hours$83.17β–² 0.71%Regular close Β· extended-hours price shown
1hβ€”
24hβ–² 1.8%
7dβ–Ό 0.3%
14dβ–² 1.2%
30dβ–² 10.0%
1yβ–² 64.4%
🏦Market Cap
$400M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+44.0%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
25.4%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
48
Weak

Trading Snapshot

Day Range
$81.52 – $83.42
52-Week Range
$49.47 – $85.00
Volume
$1.89B
Avg Volume
$1.82B
Shares Outstanding
4.8M
Next Earnings
Oct 12, 2026

Fundamentals Snapshot

Annual Revenue
$140M
Last Q Revenue
$18M
P/E Ratio
21.3
P/S Ratio
2.2x
EPS (TTM)
$3.80
Dividend Yield
1.65%

Why Investors Own CHMG

  • βœ“High-growth profile β€” revenue up +48.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 75% gross margin and 20% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$140Mβ–² +48.4% YoY
Gross Margin (TTM)
74.8%β–² +0.0% YoY
Operating Income (TTM)
$27Mβ–² +48.4% YoY
Free Cash Flow (TTM)
$28Mβ–² +48.4% YoY

About CHEMUNG FINANCIAL CORP

Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
48/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Aug 2026

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