CHMG - Chemung Financial Corp Stock Price, Fair Value and News

43.00USD+0.02 (+0.05%)Market Closed

Market Summary

USD43.00+0.02

Market Closed

0.05%

CHMG Stock Price

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CHMG RSI Chart

CHMG Valuation

Market Cap

204.3M

Price/Earnings (Trailing)

8.17

Price/Sales (Trailing)

1.81

EV/EBITDA

1.55

Price/Free Cashflow

6.72

CHMG Price/Sales (Trailing)

CHMG Profitability

EBT Margin

27.86%

Return on Equity

12.8%

Return on Assets

0.92%

Free Cashflow Yield

14.89%

CHMG Fundamentals

CHMG Revenue

Revenue (TTM)

113.1M

Rev. Growth (Yr)

22.68%

Rev. Growth (Qtr)

3.51%

CHMG Earnings

Earnings (TTM)

25.0M

Earnings Growth (Yr)

-48.89%

Earnings Growth (Qtr)

-50.29%

Breaking Down CHMG Revenue

Last 7 days

-1.1%

Last 30 days

4.0%

Last 90 days

-6.6%

Trailing 12 Months

19.6%

How does CHMG drawdown profile look like?

CHMG Financial Health

CHMG Investor Care

Dividend Yield

2.88%

Dividend/Share (TTM)

1.24

Shares Dilution (1Y)

0.89%

Diluted EPS (TTM)

5.28

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	90.2M	99.5M	107.5M	113.1M
2022	69.7M	71.3M	74.7M	81.5M
2021	67.3M	67.7M	68.7M	69.0M
2020	66.7M	66.4M	66.3M	66.9M
2019	65.5M	66.4M	67.0M	66.9M
2018	61.4M	62.6M	63.2M	64.6M
2017	56.5M	57.3M	58.8M	60.1M
2016	55.0M	55.4M	55.8M	56.2M
2015	53.5M	54.0M	54.3M	54.2M
2014	50.9M	51.5M	52.4M	53.2M
2013	51.3M	50.9M	50.3M	50.7M
2012	54.0M	53.5M	53.0M	52.1M
2011	42.1M	44.4M	47.4M	50.6M
2010	0	43.9M	43.3M	42.7M
2009	0	0	0	44.5M

Get all data in R, Python etc through our Historical Stock Data APIs

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

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Tracking the Latest Insider Buys and Sells of Chemung Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 01, 2024	archibold raimundo c. jr	sold	-17,942	42.2169	-425	-
Feb 20, 2024	meade joseph f iv	bought	3,654	43.5	84.00	-
Jan 18, 2024	tomson anders	sold (taxes)	-79,398	48.12	-1,650	president & ceo
Jan 17, 2024	gonick denise v	acquired	28,000	48.11	582	-
Jan 17, 2024	forrestel richard e jr	acquired	28,000	48.11	582	-
Jan 17, 2024	tomson anders	acquired	220,007	48.11	4,573	president & ceo
Jan 17, 2024	meade joseph f iv	acquired	28,000	48.11	582	-
Jan 17, 2024	buicko david m	acquired	32,137	48.11	668	-
Jan 17, 2024	meade joseph f iv	bought	28,000	48.11	582	-
Jan 17, 2024	archibold raimundo c. jr	acquired	28,000	48.11	582	-

Which funds bought or sold CHMG recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	BNP PARIBAS FINANCIAL MARKETS	reduced	-73.84	-249,760	71,749	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	unchanged	-	-60,000	347,000	-%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-11.56	-155,125	476,664	-%
Apr 23, 2024	VALICENTI ADVISORY SERVICES INC	new	-	375,000	375,000	0.10%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.31	-10,000	5,000	-%
Apr 22, 2024	Raymond James Financial Services Advisors, Inc.	added	2.75	-55,867	396,466	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	19,453	95,068	-%
Apr 17, 2024	CHEMUNG CANAL TRUST CO	reduced	-0.69	-2,625,650	14,545,200	2.81%
Apr 15, 2024	WEALTH ENHANCEMENT ADVISORY SERVICES, LLC	reduced	-0.04	-88,097	509,802	-%

Are Funds Buying or Selling CHMG?

Are funds buying CHMG calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CHMG

No. of Funds

Unveiling Chemung Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	8.07%	380,882	SC 13G
Feb 09, 2024	dalrymple robert h	4.99%	237,319	SC 13G/A
Feb 08, 2024	dalrymple family ltd partnership	7.1%	339,242	SC 13G/A
Feb 16, 2023	chemung financial corp	8.35%	392,120	SC 13G/A
Feb 14, 2023	dalrymple robert h	5.04%	236,653	SC 13G/A
Feb 13, 2023	dalrymple family ltd partnership	7.3%	343,542	SC 13G/A
Feb 08, 2023	fj capital management llc	1.98%	92,505	SC 13G/A
Feb 11, 2022	dalrymple robert h	5.03%	10	SC 13G/A
Feb 11, 2022	dalrymple family ltd partnership	7.3%	343,542	SC 13G/A
Feb 10, 2022	fj capital management llc	7.57%	352,922	SC 13G/A

Recent SEC filings of Chemung Financial Corp

View All Filings

Date Filed	Form Type	Document
Apr 24, 2024	SC 13G/A	Major Ownership Report
Apr 24, 2024	DEFA14A	DEFA14A
Apr 24, 2024	DEF 14A	DEF 14A
Apr 24, 2024	ARS	ARS
Apr 18, 2024	8-K	Current Report
Mar 13, 2024	10-K	Annual Report
Mar 01, 2024	4	Insider Trading
Feb 21, 2024	8-K	Current Report
Feb 21, 2024	4/A	Insider Trading
Feb 21, 2024	4/A	Insider Trading

Peers (Alternatives to Chemung Financial Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	550.4B	174.7B	-3.62%	40.95%	10.93	3.15	53.11%	19.83%
BAC	288.3B	127.4B	-1.15%	32.34%	11.52	2.26	44.27%	-12.56%
WFC	208.6B	85.8B	4.32%	56.01%	11.11	2.43	35.02%	26.14%
C	117.6B	133.3B	-2.05%	34.77%	12.75	0.88	79.09%	-
CFG	16.1B	10.2B	-0.14%	33.45%	9.98	1.57	44.53%	-22.43%
KEY	14.0B	8.1B	-2.62%	55.93%	16.03	1.72	32.15%	-50.93%
MID-CAP
CMA	6.9B	4.2B	-3.21%	45.81%	9.9	1.62	34.68%	-45.96%
ZION	6.3B	3.9B	0.71%	88.53%	9.31	1.6	45.91%	-25.03%
ABCB	3.4B	1.3B	3.97%	58.26%	12.49	2.62	43.24%	-22.35%
ASB	3.3B	1.8B	5.09%	36.86%	20.51	1.79	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	391.4M	152.4M	-5.49%	44.45%	39.37	2.57	16.94%	-73.84%
AROW	387.7M	162.6M	-2.25%	14.75%	12.89	2.38	25.39%	-38.37%
ACNB	284.2M	96.6M	-5.09%	17.23%	8.97	2.94	11.02%	-11.37%
ASRV	42.0M	60.9M	2.51%	-13.74%	-12.56	0.69	24.06%	-144.92%

Chemung Financial Corp News

Latest updates

Chemung Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	3.5%	30.00	29.00	28.00	26.00	24.00	21.00	19.00	17.00	18.00	18.00	17.00	17.00	17.00	17.00	16.00	16.00	17.00	17.00	17.00	17.00	17.00
EBITDA Margin	-11.4%	0.95*	1.08*	1.16*	1.30*	1.39*	1.45*	1.49*	1.48*	1.48*	1.45*	1.44*	1.42*	-	-	-	-	-	-	-	-	-
Interest Expenses	-0.7%	18.00	18.00	19.00	20.00	21.00	19.00	18.00	17.00	17.00	17.00	16.00	16.00	16.00	16.00	16.00	15.00	15.00	15.00	15.00	15.00	15.00
Income Taxes	-59.2%	1.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00
Earnings Before Taxes	-52.2%	5.00	10.00	8.00	9.00	10.00	8.00	10.00	9.00	8.00	8.00	9.00	8.00	7.00	7.00	7.00	3.00	5.00	2.00	6.00	6.00	6.00
EBT Margin	-17.7%	0.28*	0.34*	0.35*	0.41*	0.45*	0.48*	0.50*	0.49*	0.49*	0.47*	0.46*	0.43*	-	-	-	-	-	-	-	-	-
Net Income	-50.3%	4.00	8.00	6.00	7.00	7.00	6.00	8.00	7.00	6.00	7.00	7.00	7.00	5.00	6.00	6.00	2.00	4.00	2.00	5.00	4.00	6.00
Net Income Margin	-17.0%	0.22*	0.27*	0.28*	0.32*	0.35*	0.37*	0.39*	0.38*	0.38*	0.37*	0.36*	0.35*	-	-	-	-	-	-	-	-	-
Free Cashflow	-61.5%	4.00	9.00	7.00	10.00	2.00	14.00	12.00	6.00	9.00	9.00	9.00	8.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	0.1%	2,711	2,708	2,675	2,654	2,646	2,551	2,450	2,475	2,418	2,418	2,381	2,442	2,279	2,165	2,051	1,841	1,788	1,794	1,753	1,770	1,755
Cash Equivalents	-51.2%	37.00	76.00	54.00	35.00	56.00	42.00	30.00	65.00	27.00	62.00	57.00	157	109	150	155	144	122	146	116	126	130
Net PPE	-	15.00	-	-	-	16.00	-	-	-	-	-	-	20.00	20.00	21.00	21.00	22.00	22.00	23.00	24.00	24.00	25.00
Goodwill	0%	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00
Liabilities	-0.9%	2,515	2,538	2,497	2,477	2,479	2,396	2,275	2,289	2,207	2,212	2,177	2,248	2,080	1,968	1,856	1,651	1,605	1,612	1,575	1,598	1,590
Shareholder's Equity	14.8%	195	170	177	177	166	156	175	186	211	206	204	195	200	197	195	190	183	182	178	172	165
Retained Earnings	1.0%	230	228	221	217	212	206	201	194	189	184	179	173	168	164	160	155	154	151	150	146	143
Additional Paid-In Capital	-0.4%	48.00	48.00	48.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	47.00	46.00	46.00	46.00	46.00	46.00
Shares Outstanding	0.1%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	145	-	-	-	177	-	-	-	166	-	-	-	104	-	-	-	185	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-61.5%	3,620	9,396	7,179	10,686	2,362	14,800	11,901	5,984	8,883	9,167	9,206	8,205	8,672	5,659	8,034	6,294	4,597	8,436	6,128	7,244	7,667
Cashflow From Investing	-49.0%	-28,539	-19,148	-4,771	-29,923	-77,044	-105,331	-25,268	-44,977	-37,815	-38,468	-35,796	-130,405	-159,759	-121,094	-196,189	-18,806	-23,438	-12,831	11,079	-7,521	16,280
Cashflow From Financing	-144.4%	-13,814	31,106	17,177	-1,991	88,128	103,186	-22,348	77,495	-5,784	34,201	-73,612	170,661	109,723	110,175	198,859	35,066	-5,553	34,233	-26,557	-3,885	-7,887
Dividend Payments	0%	1,463	1,463	1,459	1,455	1,450	1,448	1,449	1,450	1,445	1,448	1,211	1,214	1,229	1,247	1,267	1,263	1,260	1,259	1,256	1,254	1,250
Buy Backs	-	218	-	-	98.00	238	-	-	695	566	4.00	245	801	2,452	1,816	3,321	-	-	-	-	-	-

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CHMG Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Interest and Dividend Income:

Loans, including fees

$ 97,228,000

$ 68,051,000

Taxable securities

14,283,000

12,096,000

Tax exempt securities

1,035,000

1,068,000

Interest-earning deposits

528,000

260,000

Total interest and dividend income

113,074,000

81,475,000

Interest Expense:

Deposits

35,926,000

6,655,000

Borrowed funds

2,691,000

641,000

Total interest expense

38,617,000

7,296,000

Net interest income

74,457,000

74,179,000

Provision (credit) for credit losses

^[1]

3,262,000

(554,000)

Net interest income after provision for credit losses

71,195,000

74,733,000

Non-Interest Income:

Net (losses) on securities transactions

(39,000)

Change in fair value of equity investments

103,000

(349,000)

Net gain on sales of loans held for sale

144,000

107,000

Net gains (losses) on sales of other real estate owned

37,000

60,000

Income from bank owned life insurance

43,000

46,000

Other

5,276,000

2,901,000

Total non-interest income

24,549,000

21,436,000

Non-Interest Expenses:

Salaries and wages

26,832,000

25,054,000

Pension and other employee benefits

7,368,000

7,668,000

Other components of net periodic pension cost (benefit)

(676,000)

(1,648,000)

Net occupancy expenses

5,637,000

5,539,000

Furniture and equipment expenses

1,728,000

1,906,000

Data processing expense

9,840,000

8,919,000

Professional services

2,293,000

2,171,000

Amortization of intangible assets

15,000

Marketing and advertising expense

923,000

941,000

Other real estate owned expenses

(20,000)

(5,000)

FDIC insurance

2,128,000

1,356,000

Loan expense

1,047,000

1,001,000

Other

7,143,000

6,363,000

Total non-interest expenses

64,243,000

59,280,000

Income before income tax expense

31,501,000

36,889,000

Income tax expense

6,501,000

8,106,000

Net income

$ 25,000,000

$ 28,783,000

Weighted average shares outstanding (in thousands)

Weighted average shares outstanding, basic (in shares)

4,732

4,693

Weighted average shares outstanding, diluted (in shares)

4,732

4,693

Basic and diluted earnings per share

Basic earnings per share (in dollars per share)

$ 5.28

$ 6.13

Diluted earnings per share (in dollars per share)

$ 5.28

$ 6.13

Wealth management group fee income

Non-Interest Income:

Revenues from contracts with customer

$ 10,460,000

$ 10,280,000

Service charges on deposit accounts

Non-Interest Income:

Revenues from contracts with customer

3,919,000

3,788,000

Interchange revenue from debit card transactions

Non-Interest Income:

Revenues from contracts with customer

$ 4,606,000

$ 4,603,000

[1]	Effective January 1, 2023, the allowance calculation is based upon Current Expected Credit loss methodology. Prior to January 1, 2023, the allowance calculation was based upon incurred loss methodology. Refer to Note 1 for further discussion.

CHMG Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands

Dec. 31, 2023

Dec. 31, 2022

ASSETS

Cash and due from financial institutions

$ 22,247

$ 29,309

Interest-earning deposits in other financial institutions

14,600

26,560

Total cash and cash equivalents

36,847

55,869

Equity investments, at fair value

3,046

2,830

Securities available for sale, at estimated fair value (amortized cost of $669,092, net of allowance for credit losses on securities of $0 at December 31, 2023; and amortized cost of $729,198, net of allowance for credit losses on securities of $0 at December 31, 2022)

583,993

632,589

Securities held to maturity, (estimated fair value of $785 at December 31, 2023 and $2,402 at December 31, 2022 net allowance for credit losses of $0 at December 31, 2023 and December 31, 2022, respectively)

785

2,424

FHLBNY and FRBNY Stock, at cost

5,498

8,197

Loans, net of deferred loan fees

1,972,664

1,829,448

Allowance for credit losses

^[1]

(22,517)

(19,659)

Loans, net

1,950,147

1,809,789

Premises and equipment, net

14,571

16,113

Operating lease right-of-use assets

5,648

6,449

Goodwill

21,824

Bank owned life insurance

2,914

2,871

Interest rate swap assets

23,942

26,706

Accrued interest and other assets

61,314

59,892

Total assets

2,710,529

2,645,553

Deposits:

Non-interest-bearing

653,166

733,329

Interest-bearing

1,776,261

1,593,898

Total deposits

2,429,427

2,327,227

FHLBNY overnight advances

31,920

95,810

Capital lease obligation

3,050

3,327

Operating lease liabilities

5,827

6,620

Dividends payable

1,469

1,455

Interest rate swap liabilities

23,981

26,761

Accrued interest payable and other liabilities

19,614

17,965

Total liabilities

2,515,288

2,479,165

Shareholders' equity:

Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2023 and December 31, 2022

Additional-paid-in capital

47,773

47,331

Retained earnings

229,930

211,859

Treasury stock, at cost (572,663 shares at December 31, 2023; 615,448 shares at December 31, 2022)

(16,502)

(17,598)

Accumulated other comprehensive (loss)

(66,013)

(75,257)

Total shareholders' equity

195,241

166,388

Total liabilities and shareholders' equity

$ 2,710,529

$ 2,645,553

[1]	Effective January 1, 2023, the allowance calculation is based upon Current Expected Credit loss methodology. Prior to January 1, 2023, the allowance calculation was based upon incurred loss methodology. Refer to Note 1 for further discussion.

About Chemung Financial Corp

Chemung Financial Corporation operates as the 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 mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, insurance products, mutual fund, and brokerage services. In addition, the company provides annuities, brokerage, and tax preparation services. Further, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

CEO	Mr. Anders M. Tomson
WEBSITE	chemungcanal.com
INDUSTRY	Banks Diversified
EMPLOYEES	340

Chemung Financial Corp Frequently Asked Questions

What is the ticker symbol for Chemung Financial Corp? What does CHMG stand for in stocks?

CHMG is the stock ticker symbol of Chemung Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Chemung Financial Corp (CHMG)?

As of Thu May 02 2024, market cap of Chemung Financial Corp is 204.28 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CHMG stock?

You can check CHMG's fair value in chart for subscribers.

What is the fair value of CHMG stock?

You can check CHMG's fair value in chart for subscribers. The fair value of Chemung Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Chemung Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CHMG so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Chemung Financial Corp a good stock to buy?

The fair value guage provides a quick view whether CHMG is over valued or under valued. Whether Chemung Financial Corp is cheap or expensive depends on the assumptions which impact Chemung Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CHMG.

What is Chemung Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 02 2024, CHMG's PE ratio (Price to Earnings) is 8.17 and Price to Sales (PS) ratio is 1.81. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CHMG PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Chemung Financial Corp's stock?

In the past 10 years, Chemung Financial Corp has provided 0.071 (multiply by 100 for percentage) rate of return.