Stock CHMG CHEMUNG FINANCIAL CORPORATION
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Financials Chemung Financial Corporation

Equities

CHMG

US1640241014

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
43.06 USD -1.01% Intraday chart for Chemung Financial Corporation -1.01% -13.53%
Apr. 22 Keefe Bruyette & Woods Adjusts Chemung Financial's Price Target to $49 From $51, Keeps Market Perform Rating MT
Apr. 18 Earnings Flash (CHMG) CHEMUNG FINANCIAL Reports Q1 EPS $1.48 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 206 158.1 216.6 214.6 235.2 204.6 -
Enterprise Value (EV) 1 206 158.1 216.6 214.6 235.2 204.6 204.6
P/E ratio 13.2 x 8.47 x 8.24 x 7.48 x 9.43 x 8.64 x 8.09 x
Yield 2.45% 3.06% 2.56% 2.7% 2.49% 2.88% 2.88%
Capitalization / Revenue 2.55 x 1.88 x 2.42 x 2.24 x 2.38 x 2.1 x 1.95 x
EV / Revenue 2.55 x 1.88 x 2.42 x 2.24 x 2.38 x 2.1 x 1.95 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.14 x 0.8 x 1.03 x 1.3 x 1.21 x 0.96 x 0.87 x
Nbr of stocks (in thousands) 4,847 4,657 4,664 4,678 4,723 4,752 -
Reference price 2 42.50 33.95 46.45 45.87 49.80 43.06 43.06
Announcement Date 1/22/20 1/22/21 1/26/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 80.68 84.04 89.46 95.62 99.01 97.59 105
EBITDA - - - - - - -
EBIT 1 24.99 28.11 33.78 - - 31.5 38
Operating Margin 30.97% 33.44% 37.76% - - 32.28% 36.18%
Earnings before Tax (EBT) 1 19.04 23.87 33.76 36.89 31.5 30.41 32.19
Net income 1 15.61 19.26 26.42 28.78 25 23.74 25.4
Net margin 19.35% 22.92% 29.54% 30.1% 25.25% 24.33% 24.19%
EPS 2 3.210 4.010 5.640 6.130 5.280 4.987 5.320
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.040 1.040 1.190 1.240 1.240 1.240 1.240
Announcement Date 1/22/20 1/22/21 1/26/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 22.8 22.68 22.45 22.96 24.03 26.29 25.37 24.04 25.82 23.77 23.75 24.08 24.66 25.12 25.2
EBITDA - - - - - - - - - - - - - - -
EBIT 8.702 8.301 - - - - - 8.129 - - - - - - -
Operating Margin 38.16% 36.6% - - - - - 33.81% - - - - - - -
Earnings before Tax (EBT) 1 8.346 8.231 8.817 10.36 8.194 9.516 9.258 7.893 9.708 4.643 9.088 6.792 7.07 7.425 7.103
Net income 1 6.646 6.454 6.867 8.024 6.453 7.439 7.271 6.28 7.648 3.802 7.05 5.322 5.568 5.819 5.612
Net margin 29.15% 28.46% 30.58% 34.95% 26.86% 28.3% 28.66% 26.12% 29.61% 16% 29.69% 22.1% 22.58% 23.17% 22.27%
EPS 2 1.420 1.380 1.460 1.720 1.370 1.580 1.540 1.330 1.610 0.8000 1.480 1.117 1.167 1.223 1.173
Dividend per Share 2 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100 0.3100
Announcement Date 10/21/21 1/26/22 4/21/22 7/21/22 10/21/22 1/26/23 4/20/23 7/20/23 10/24/23 1/25/24 4/18/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.86% 9.94% 12.9% 15.9% 14.1% 11.7% 11.3%
ROA (Net income/ Total Assets) 0.88% 0.94% 1.09% 1.15% 0.94% 0.85% 0.88%
Assets 1 1,774 2,049 2,424 2,503 2,660 2,783 2,898
Book Value Per Share 2 37.40 42.50 45.10 35.30 41.10 44.70 49.70
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/22/21 1/26/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Chemung Financial Corporation

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
43.06 USD
Average target price
48 USD
Spread / Average Target
+11.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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