| Index | — | P/E | 10.97 | EPS (ttm) | 7.97 | Insider Own | 15.35% | Shs Outstand | 4.82M | Perf Week | 2.32% |
| Market Cap | 421.49M | Forward P/E | 10.36 | EPS next Y | 8.44 | Insider Trans | -0.70% | Shs Float | 3.23M | Perf Month | 6.70% |
| Enterprise Value | 229.49M | PEG | 3.96 | EPS next Q | 2.14 | Short Float | 5.63% | Perf Quarter | 6.13% | ||
| Income | 39.00M | P/S | 2.99 | EPS this Y | 46.91% | Short Ratio | 2.63 | Perf Half Y | 32.96% | ||
| Sales | 141.00M | P/B | 1.54 | EPS next Y | 0.21% | ROA | 1.35% | Short Interest | 181.96K | Perf YTD | 56.67% |
| Book/sh | 56.83 | P/C | 1.28 | EPS next 5Y | 2.77% | ROE | 14.49% | 52W High | 89.27 -2.07% | Perf Year | 71.01% |
| Cash/sh | 68.44 | P/FCF | 12.40 | EPS past 3/5Y | -20.07% -4.83% | ROIC | 4.48% | 52W Low | 50.05 74.67% | Perf 3Y | 120.20% |
| Dividend Est. | 1.44 (1.65%) | EV/EBITDA | 5.60 | Sales past 3/5Y | 11.13% 9.98% | Gross Margin | 71.29% | Volatility | 2.41% 2.21% | Perf 5Y | 88.61% |
| Dividend TTM | 1.38 (1.58%) | EV/Sales | 1.63 | EPS Y/Y TTM | 188.77% | Oper. Margin | 19.47% | ATR (14) | 1.97 | Perf 10Y | 196.84% |
| Dividend Ex-Date | Sep 17, 2026 | Quick Ratio | 0.13 | Sales Y/Y TTM | 2.92% | Profit Margin | 27.22% | RSI (14) | 68.07 | Recom | 2.71 |
| Dividend Gr. 3/5Y | 2.11% 4.88% | Current Ratio | 0.13 | EPS Q/Q | 62.35% | SMA20 | 5.85% | Beta | 0.59 | Target Price | 93.00 |
| Payout | 12.76% | Debt/Eq | 0.50 | Sales Q/Q | 5.00% | SMA50 | 5.81% | Rel Volume | 1.49 | Prev Close | 86.27 |
| Employees | 348 | LT Debt/Eq | 0.18 | Earnings | Jan 25 | SMA200 | 23.79% | Avg Volume | 68.76K | Price | 87.42 |
| IPO Date | Jan 04, 1999 | Option/Short | No / Yes | EPS/Sales Surpr. | 34.52% 0.34% | Net Debt/EBITDA | -4.68 | Volume | 102,741 | Change | 1.33% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Oct-27-26 | Reiterated | Raymond James | $87 → $90 | |
| Oct-26-26 | Reiterated | D.A. Davidson | Neutral | $95 → $96 |
| Sep-28-26 | Initiated | DA Davidson | Buy | $95 |
| Sep-01-26 | Initiated | Raymond James | Outperform | $87 |
| Apr-22-25 | Reiterated | Piper Sandler | Neutral | $50 |
| Oct-22-20 | Downgrade | DA Davidson | Buy → Neutral | |
| Mar-09-20 | Upgrade | DA Davidson | Neutral → Buy | |
| Aug-06-19 | Upgrade | Janney Capital | Neutral → Buy | |
| Aug-06-19 | Upgrade | Janney Montgomery Scott | Neutral → Buy | |
| Apr-22-19 | Downgrade | Piper Sandler | Buy → Hold |
Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.
Per-holder 13F data hasn't been ingested for this ticker yet.
| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 141 | 140 | 150 | 137 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 42 | 50 | 53 | 42 | — | — | — | — | — | |
| Gross Profit | 100 | 90 | 96 | 95 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 50 | 42 | 39 | 37 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 22 | 28 | 27 | 26 | — | — | — | — | — | |
| Operating Income | 28 | 20 | 30 | 32 | — | — | — | — | — | |
| Interest Expense | 40 | 46 | 54 | 39 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 63 | 46 | 54 | 39 | — | — | — | — | — | |
| Net Income Before Taxes | 51 | 20 | 30 | 32 | — | — | — | — | — | |
| Income Taxes | 12 | 5 | 6 | 7 | — | — | — | — | — | |
| Consolidated Net Income | 39 | 15 | 24 | 25 | — | — | — | — | — | |
| Net Income From Continuing Operations | 39 | 15 | 24 | 25 | — | — | — | — | — | |
| Net Income | 39 | 15 | 24 | 25 | — | — | — | — | — | |
| EPS (Recurring) | 7.97 | 3.13 | 4.96 | 5.28 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 7.97 | 3.13 | 4.96 | 5.28 | — | — | — | — | — | |
| EPS (Diluted) | 7.97 | 3.13 | 4.96 | 5.28 | — | — | — | — | — | |
| EBITDA | 41 | 23 | 32 | 34 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 10.97 | 17.83 | 9.84 | 9.43 | — | — | — | — | — | |
| Price To Sales Ratio | 3.10 | 1.99 | 1.63 | 1.82 | — | — | — | — | — | |
| Gross Margin | 70.92 | 64.29 | 64.00 | 69.34 | — | — | — | — | — | |
| Operating Margin | 19.86 | 14.29 | 20.00 | 23.36 | — | — | — | — | — | |
| Net Margin | 27.66 | 10.71 | 16.00 | 18.25 | — | — | — | — | — | |
| Shares Outstanding | 5 | 5 | 5 | 5 | — | — | — | — | — | |
| Market Capitalization | 437 | 279 | 244 | 249 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| COLE LOREN D | EVP & CIO | Sep 16 '26 | Sale | 83.50 | 5,160 | 430,847 | 5,164 | Sep 17 |
| Tyrrell Thomas R. | Director | Apr 27 '26 | Sale | 65.33 | 788 | 51,480 | 8,050 | Apr 27 |
| Dalrymple Robert H | Director | Feb 26 '26 | Sale | 56.56 | 2,833 | 160,232 | 1,351 | Feb 26 |
| Fariello Daniel D | President, Capital Bank Div. | Feb 04 '26 | Sale | 61.13 | 748 | 45,725 | 7,110 | Feb 05 |
| Fariello Daniel D | President, Capital Bank Div. | Feb 03 '26 | Sale | 61.57 | 242 | 14,901 | 7,858 | Feb 04 |
| Tyrrell Thomas R. | Director | Feb 02 '26 | Sale | 61.00 | 500 | 30,500 | 8,800 | Feb 02 |
| STREETER JEFFREY B | Director | Oct 29 '25 | Buy | 51.92 | 2,184 | 113,400 | 32,726 | Oct 30 |
| STREETER JEFFREY B | Director | Oct 28 '25 | Buy | 51.64 | 1,316 | 67,952 | 30,542 | Oct 29 |
| COLE LOREN D | EVP & CIO | Aug 05 '25 | Buy | 50.10 | 2,983 | 149,448 | 9,331 | Aug 05 |
| STREETER JEFFREY B | Director | Jul 28 '25 | Buy | 52.60 | 2,612 | 137,394 | 29,202 | Jul 28 |
| STREETER JEFFREY B | Director | Jul 25 '25 | Buy | 52.94 | 5,000 | 264,679 | 26,590 | Jul 25 |
| STREETER JEFFREY B | Director | Jul 24 '25 | Buy | 52.91 | 4,103 | 217,076 | 21,590 | Jul 25 |
| STREETER JEFFREY B | Director | Jul 23 '25 | Buy | 53.19 | 3,285 | 174,719 | 17,487 | Jul 24 |
| Meade Joseph F IV | Director | Jan 15 '25 | Buy | 47.33 | 592 | 28,019 | 3,710 | Jan 17 |
| COLE LOREN D | EVP & CIO | Nov 06 '24 | Sale | 51.21 | 1,000 | 51,210 | 4,771 | Nov 07 |