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Chemung Financial Corp

Financial Services US CHMG

67.52USD
-1.73(2.50%)

Last update at 2026-06-03T20:00:00Z

Day Range

67.4669.21
LowHigh

52 Week Range

41.9270.83
LowHigh

Fundamentals

  • Previous Close 69.25
  • Market Cap321.90M
  • Volume52894
  • P/E Ratio17.56
  • Dividend Yield1.97%
  • Revenue TTM95.35M
  • Revenue Per Share TTM19.81
  • Gross Profit TTM 95.35M
  • Diluted EPS TTM3.79

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 19.94M 30.09M 31.50M 36.89M 33.76M
Minority interest - - - - -
Net income 15.10M 23.67M 25.00M 28.78M 26.43M
Selling general administrative 40.57M 37.75M 36.58M 34.08M 31.91M
Selling and marketing expenses 1.25M 1.18M 0.92M 0.94M 0.79M
Gross profit 89.83M 96.15M 113.07M 94.61M 88.42M
Reconciled depreciation 2.67M 2.02M 2.80M 0.01M 0.24M
Ebit 19.94M 30.09M 31.50M 44.19M 33.76M
Ebitda 22.60M 32.10M 31.50M 44.20M 34.00M
Depreciation and amortization 2.67M 2.02M 2.80M 0.01M 0.24M
Non operating income net other - - - - -
Operating income 19.94M 30.09M 31.50M 44.19M 33.76M
Other operating expenses 120.01M 119.53M 0.92M 0.94M -54.66200M
Interest expense 45.68M 53.51M 38.62M 7.30M 3.42M
Tax provision 4.83M 6.41M 6.50M 8.11M 7.33M
Interest income 132.84M 127.56M 113.07M 81.47M 69.01M
Net interest income 87.16M 74.06M 74.46M 74.18M 65.59M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 4.83M 6.41M 6.50M 8.11M 7.33M
Total revenue 139.94M 149.61M 113.07M 94.61M 88.42M
Total operating expenses 69.89M 66.07M 0.92M 0.94M -54.66200M
Cost of revenue 50.12M 53.46M 24.45M - -
Total other income expense net - 115.69M 31.50M -7.29600M -3.41900M
Discontinued operations - - - - -
Net income from continuing ops 15.10M 23.67M 25.00M 28.78M 26.43M
Net income applicable to common shares - - - 28.78M 26.43M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2710.24M 2776.15M 2710.53M 2645.55M 2418.79M
Intangible assets - - - - 0.01M
Earning assets - - - - -
Other current assets - - 44.97M -76.01800M 709.81M
Total liab 2455.53M 2560.84M 2515.29M 2479.16M 2207.33M
Total stockholder equity 254.71M 215.31M 195.24M 166.39M 211.46M
Deferred long term liab - - - - -
Other current liab 2270.67M 2396.88M 1817.16M -141.99100M -40.61000M
Common stock 0.05M 0.05M 0.05M 0.05M 0.05M
Capital stock 0.05M 0.05M 0.05M 0.05M 0.05M
Retained earnings 256.48M 247.71M 229.93M 211.86M 188.88M
Other liab - - - 16.67M 14.66M
Good will 21.82M 21.82M 21.82M 21.82M 21.82M
Other assets - 2162.69M - 1185.40M 709.81M
Cash 22.77M 47.03M 36.85M 55.87M 26.98M
Cash and equivalents - - - - -
Total current liabilities 2270.67M 2505.99M 1851.87M 141.99M 40.61M
Current deferred revenue - - -18.14500M - -
Net debt -17.83500M 71.48M 3.95M 145.70M -1.12100M
Short term debt - 109.11M 33.23M 95.81M 14.57M
Short long term debt 87.11M 109.11M 31.92M 95.81M 14.57M
Short long term debt total 4.94M 118.52M 40.80M 201.57M 25.86M
Other stockholder equity 34.23M 32.62M 31.27M 29.73M 29.05M
Property plant equipment - - - 22.56M 25.52M
Total current assets 303.37M 468.77M 44.97M 777.93M 862.84M
Long term investments 285.00M 535.49M 587.82M 637.84M 798.78M
Net tangible assets - - - 144.56M 189.62M
Short term investments 280.60M 421.74M 583.99M 632.59M 792.03M
Net receivables - - - 89.47M 43.84M
Long term debt 44.03M - - 99.14M 18.16M
Inventory - - - 0.20M 0.11M
Accounts payable - - 19.61M 46.18M 26.04M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -36.05300M -65.06500M -66.01300M -75.25700M -6.53000M
Additional paid in capital - - - - -
Common stock total equity - - - 0.05M 0.05M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 211.86M 188.88M
Treasury stock - - - - -17.84600M
Accumulated amortization - - - - -
Non currrent assets other 114.60M 76.12M 56.10M -682.22900M -846.13400M
Deferred long term asset charges - - - - -
Non current assets total 2406.86M 2307.38M 2665.56M 682.23M 846.13M
Capital lease obligations 8.38M 9.41M 8.88M 6.62M 7.70M
Long term debt total - - - 27.20M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 270.62M -57.72300M -82.38100M -252.52000M -242.61300M
Change to liabilities - - - 25.75M 2.71M
Total cashflows from investing activities 68.32M -57.72300M -82.38100M -252.62000M -242.48400M
Net borrowings 22.66M 77.92M -64.16700M 80.97M 14.31M
Total cash from financing activities -110.75700M 38.10M 32.48M 246.46M 125.47M
Change to operating activities - - - -1.88800M 0.76M
Net income 15.10M 23.67M 25.00M 28.78M 26.43M
Change in cash 3.06M 10.19M -19.02200M 28.89M -81.55700M
Begin period cash flow 47.03M 36.85M 55.87M 26.98M 108.54M
End period cash flow 50.10M 47.03M 36.85M 55.87M 26.98M
Total cash from operating activities 45.50M 29.82M 30.88M 35.05M 35.46M
Issuance of capital stock 0.54M 0.43M 0.60M 0.42M 0.43M
Depreciation 2.67M 2.02M 2.80M 3.03M 3.50M
Other cashflows from investing activities -202.13700M -103.63600M -141.17500M 0.33M 0.50M
Dividends paid 6.33M 7.37M 5.84M -5.79700M -5.31800M
Change to inventory - - - - -
Change to account receivables 0.36M -0.48600M - - -
Sale purchase of stock -0.39600M -0.34400M -0.31600M -0.93300M -1.61600M
Other cashflows from financing activities -126.20900M -32.54400M 102.20M 253.03M 132.23M
Change to netincome - - - 1.54M 0.49M
Capital expenditures 1.69M 3.63M 0.46M 0.43M 0.37M
Change receivables - - - - -
Cash flows other operating - - - -27.02900M -2.27800M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - 28.89M -81.55700M
Change in working capital 7.41M 2.61M 0.84M 25.75M 0.76M
Stock based compensation 0.02M 1.24M 1.14M 0.80M 0.67M
Other non cash items 22.97M -0.83700M 2.71M -25.02700M 3.54M
Free cash flow 43.81M 26.19M 30.42M 34.62M 35.09M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CHMG
Chemung Financial Corp		 -1.73 2.50% 67.52 17.56 9.29 3.38 1.25 4.66
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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.

Chemung Financial Corp

One Chemung Canal Plaza, Elmira, NY, United States, 14901

Key Executives

Name Title Year Born
Mr. Anders M. Tomson Pres, CEO & Director 1967
Mr. Karl F. Krebs CFO, Exec. VP & Treasurer 1956
Mr. Loren Dale Cole Exec. VP & Chief Information Officer 1973
Mr. Peter K. Cosgrove EVP, Chief Credit Officer & Chief Risk Officer 1961
Mr. Daniel D. Fariello Pres of Capital Bank Division 1977
Ms. Kathleen S. McKillip VP & Corp. Sec. NA
Mr. Scott T. Heffner Sr. VP & Director of Marketing NA
Ms. Pamela D. Burns Sr. VP of HR & Chief Diversity Officer NA
Mr. Norman R. Ward SVP, Chief Auditor & Sr. Investment Officer 1950
Mr. Thomas W. Wirth C.F.A., CFA Exec. VP of Wealth Management Group at Chemung Canal Trust Company 1966

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