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Company Analysis

Chemung Financial Corp CHMG

A comprehensive view of key metrics, scores, and financial health for Chemung Financial Corp

Overview of Chemung Financial Corporation

CHMG NMS
Financial Services Banks - Regional Micro Cap
Chemung Financial Corporation (CHMG), is a Micro Cap company, in the Banks - Regional industry, last closed at $53.60, about 1.5% overvalued vs fair value, +9.8% 1Y return, ranked 630/1004 in sector.
$53.60
-0.67%
As of March 13, 2026
Previous close • Vol 90d: 31.0%
52-Week Range
Market Cap
$257.76M
Enterprise Value
$239.93M
Overall Score
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Top Beats

Quick Facts

Website https://www.chemungcanal.com
HQ Elmira, NY
Fiscal year Dec 31

Next Events

Dividend Apr 1 Ex-div: Mar 18
Earnings Apr 17 Estimated

Fair Value Snapshot

Bear Base Bull
$29
$53
$99
Current: $53.60 -2% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$127.6M
12.8%%
Interest Expense
$45.7M
Net Interest Income
$74.1M
-0.5%%
Total Revenue
$139.9M
45.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.7M
32.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Chemung Financial Corp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CHMG's balance between Growth (21.9%), Profitability (32.4%), and Safety (45.7%). Growth 22% Safety 46% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

28th percentile vs peers
29
Key Signals
Rev Growth YoY 45.6% 39p Revenue CAGR 3Y 13.9% 32p Asset Growth YoY -2.4% 11p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Asset Growth Yoy in bottom 20% of peers (-2.4%)
  • Growth below peer median (percentile: 28)

Profitability

42th percentile vs peers
43
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Chemung Financial Corp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$52.79
- - -
-1.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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