Price
No data yet.
Social Signal Score
Analyst Ratings
7 analystsRevenue
$18.07M-6.39%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Anders Tomson
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 348
- Beta
- 0.59
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.73
Financials
Revenue
$18.07M-6.4%Net Income
$8.81M+220.9%EBITDA
$-11.84M-331.7%Free Cash Flow
$8.91M+10.8%EPS (diluted)
$1.82+213.8%Shares Outstanding (diluted)
4.83M+1.4%Operating Expenses
$12.22MCash & Debt
$357.01MReturn of Capital
$1.65MRevenue by Segment (annual)
$25.20MDividend per Share
$0.36Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $139.94M | $15.10M | $3.13 |
| 2024 | $149.61M | $23.67M | $4.96 |
| 2023 | $136.58M | $25.00M | $5.28 |
| 2022 | $101.91M | $28.78M | $6.13 |
| 2021 | $91.84M | $26.43M | $5.64 |
| 2020 | $86.86M | $19.26M | $4.01 |
| 2019 | $86.22M | $15.61M | $3.21 |
| 2018 | $86.76M | $19.63M | $4.06 |
| 2017 | $79.85M | $7.43M | $2.16 |
| 2016 | $76.65M | $10.03M | $2.11 |
| 2015 | $74.00M | $9.43M | $2.00 |
| 2014 | $79.16M | $8.16M | $1.83 |
| 2013 | $67.49M | $8.73M | $1.87 |
| 2012 | $68.48M | $11.02M | $2.38 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CHMG's reported EPS growth of 2.1% a year over 13 years.
- EPS in 5 years
- $3.48
- Implied price
- $62.70
- Return from $81.93
- -5.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $31.17 — -62.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 15 | 18 | 21 | 24 |
|---|---|---|---|---|---|
| -7.9% | -21.2% | -17.6% | -14.5% | -11.8% | -9.4% |
| -2.9% | -16.9% | -13.1% | -9.9% | -7.0% | -4.5% |
| 2.1% | -12.6% | -8.6% | -5.2% | -2.2% | 0.4% |
| 7.1% | -8.3% | -4.1% | -0.6% | 2.5% | 5.3% |
| 12.1% | -4.0% | 0.3% | 4.1% | 7.3% | 10.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100-18.92%Social Signal Score
Mentions (4)
- Newsglobenewswire.com·4d ago·Neutral
Chemung Canal Trust Company Announces Plan to Unify Under New Name ELMIRA, N.Y., Oct. 01, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (NASDAQ: CHMG), parent company of Chemung Canal Trust Company, today announced its plans to unify Chemung Canal with its divisions, Capital Bank and Canal Bank, under a single name: Canal Bank & Trust, N.A.
View source ↗ - Newszacks.com·42d ago·Neutral
3 Bank Stocks With Recent Dividend Increases Worth Considering Dividend hikes from Unity Bancorp, Stock Yards Bancorp and Chemung Financial highlight their profitability, capital strength and income appeal.
View source ↗ - Newsglobenewswire.com·47d ago·Neutral
Chemung Financial Corporation Announces Dividend Increase ELMIRA, N.Y., Aug. 19, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (Nasdaq: CHMG) announced today that its Board of Directors has approved a dividend increase of $0.02 per share, raising its quarterly cash dividend to $0.36 per share, payable on October 1, 2026, to common stock shareholders of record as of the close of business on September 17, 2026.
View source ↗ - Newszacks.com·52d ago·Positive
All You Need to Know About Chemung Financial (CHMG) Rating Upgrade to Strong Buy Chemung Financial (CHMG) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
View source ↗
Earnings
Tue, Oct 20(in 2 weeks)
Consensus estimate $1.94 per share
Typical surprise +0.8% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 22$1.82 vs $1.77beat
- Fri, Apr 17$1.91 vs $1.63beat
- Mon, Jan 26$1.61 vs $1.60beat
- Tue, Oct 21$1.62 vs $1.68miss
- Thu, Jul 17$1.31 vs $1.31beat
- Fri, Apr 18$1.26 vs $1.22beat
Estimates and results for CHMG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CHMG officers and directors.
- Bought
- $1.1m
- Sold
- $734k
7 trades
7 trades
- Cole Loren Dsold
- Tyrrell Thomas R.sold
- Tyrrell Thomas R.sold
- Dalrymple Robert Hsold
- Fariello Daniel Dsold
- Fariello Daniel Dsold
- Tyrrell Thomas R.sold
- Streeter Jeffrey Bbought
86 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in CHMG.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.