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Chemung Financial/$CHMG

1D1W1M3M6MYTD1Y5YMAX

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
$411M
10.65
$7.97
0.59
$1.38
1.70%

What the Analysts think about CHMG

Analyst ratings (Buy, Hold, Sell) for Chemung Financial stock.
Analyst projections of the future price of Chemung Financial stock.

Bulls say / Bears say

Third-quarter net income rose 63% year on year to $12.7 million, while net interest income grew 13.2% and net interest margin widened to 3.74% from 3.45%. The adjusted efficiency ratio also improved, pointing to stronger operating leverage. (Chemung Financial Corporation)
Commercial lending is expanding: year-to-date annualised loan growth was 7.7%, including 11.7% in commercial loans, with average commercial loan balances up $221.1 million year on year. Continued loan growth could support further interest income. (Chemung Financial Corporation)
Fee income adds some diversification beyond lending. Wealth-management fees rose 8% in the first nine months of 2026, while CFS fee and commission income increased 62.5%. (Chemung Financial Corporation)
Asset quality weakened: non-performing loans rose to $13.8 million, or 0.57% of loans, from $7.9 million, or 0.35%, at year-end 2025. Several newly troubled commercial loans, including non-owner-occupied property loans, drove the increase. (Chemung Financial Corporation)
The quarter’s profit benefited from a $2.6 million credit to the loan-loss provision, largely reflecting a $2.9 million recovery tied to a legal settlement. That recovery is not a recurring source of earnings, so the headline profit growth may overstate underlying momentum. (Chemung Financial Corporation)
Loan growth has outpaced deposit growth, pushing the loan-to-deposit ratio to about 101%, which could limit further lending unless Chemung attracts more deposits or relies more on other funding. That creates a potential constraint on the growth story. (Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 26 Oct 2026.

CHMG Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

CHMG Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing CHMG

Funds
Fund name
Fund size
$CHMG weighting
SPDR Russell 2000 US Small Cap€R2US
$5.3B0.01%
SPDR Russell 2000 US Small Cap£R2SC
$5.3B0.01%
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