Chemung Financial/$CHMG
1D1W1MYTD1Y5YMAX
Capital at risk
About Chemung Financial
Chemung Financial Corp is a bank holding firm. Through its subsidiaries, the company provides various financial services, including demand, savings, and time deposits, commercial, residential, and consumer loans, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services, among others. The company's reportable segments are Core Banking, Wealth Management (WMG) services, and Holding company and CFS. Maximum revenue is generated from the Core Banking segment, which derives revenue by attracting deposits from the general public and using such funds to originate different types of loans, and to invest in securities. The Wealth Management (WMG) services segment provides trust and investment advisory services to clients.
- Ticker
- $CHMG
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 348
- Headquarters
- Elmira, United States
- Website
- www.chemungcanal.com
CHMG Metrics
BasicAdvanced
$395M
11.78
$6.96
0.60
$1.36
1.66%
Price and volume
Market cap
$395M
Beta
0.6
52-week high
$86.00
52-week low
$49.82
Average daily volume
58K
Dividend rate
$1.36
Financial strength
Dividend payout ratio (TTM)
19.49%
Profitability
Net profit margin (TTM)
28.67%
Operating margin (TTM)
38.88%
Effective tax rate (TTM)
24.10%
Revenue per employee (TTM)
$340,000
Management effectiveness
Return on assets (TTM)
1.18%
Return on equity (TTM)
13.28%
Valuation
Price to earnings (TTM)
11.779
Price to revenue (TTM)
3.377
Price to book
1.47
Price to tangible book (TTM)
1.59
Price to free cash flow (TTM)
8.705
Free cash flow yield (TTM)
11.49%
Free cash flow per share (TTM)
9.416
Dividend yield (TTM)
1.66%
Forward dividend yield
1.66%
Growth
Revenue change (TTM)
41.59%
Earnings per share change (TTM)
192.87%
3-year revenue growth (CAGR)
6.49%
3-year earnings per share growth (CAGR)
6.10%
10-year earnings per share growth (CAGR)
13.90%
3-year dividend per share growth (CAGR)
3.13%
10-year dividend per share growth (CAGR)
2.72%
Bulls say / Bears say
Net interest income rose 18.8% year-over-year to $24.7 million in Q2 2026, while net interest margin expanded 62 basis points to 3.67%, reflecting successful balance sheet repricing. (SEC EDGAR)
Year-to-date annualized loan growth totaled 8.7%, including 13.0% commercial loan growth, alongside 8.3% deposit growth supported by rising non-interest-bearing balances. (SEC EDGAR)
Wealth Management Group assets under administration increased 6.6% to $2.494 billion as of June 30, 2026, driving a 6.8% year-to-date rise in fee income and diversifying revenue. (10-Q)
Net income declined 4.3% quarter-over-quarter to $8.8 million in Q2 2026 from $9.2 million in Q1 2026, indicating potential earnings volatility. (SEC EDGAR)
Non-interest expense rose 8.4% year-over-year to $19.3 million in Q2 2026, driven by higher salaries and other costs, pressuring the bank’s efficiency. (10-Q)
Non-performing assets increased to 0.40% of total assets as of June 30, 2026 from 0.30% at December 31, 2025, signaling early asset quality deterioration. (10-Q)
Data summarised monthly by Lightyear AI. Last updated on 2 Sept 2026.
Upcoming events
Funds containing CHMG
Fund name | Fund size | $CHMG weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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