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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CHMG | +8.84% | +70.75% | +11.28% | +135,754% |
| S&P | +19.89% | +109.18% | +15.89% | +9,525% |
Chemung Financial Corp. is a holding company, which engages in the provision of banking, financing, fiduciary, and other financial services. It operates through the Core Banking and Wealth Management Services (WMG) segments. The Core Banking segment attracts deposits from the general public to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the local markets of the firm and to invest in securities. The WMG segment provides trust and investment advisory services to clients. The company was founded on January 2, 1985 and is headquartered in Elmira, NY.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $39.83M | 4.5% |
| Market Cap | $251.62M | 10.2% |
| Market Cap / Employee | $0.73M | 0.0% |
| Employees | 343 | 1.2% |
| Net Income | $7.79M | 36.2% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $52.66M | 464.9% |
| Short Term Debt | $55.72M | -30.9% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.49% | -0.3% |
| Return On Invested Capital | 12.10% | 0.5% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $9.42M | 72.7% |
| Operating Free Cash Flow | $9.78M | 51.1% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 9.84 | 10.04 | 20.43 | 18.80 | 77.17% |
| Price to Book | 1.05 | 1.05 | 1.02 | 1.07 | 3.48% |
| Price to Sales | 1.55 | 1.51 | 1.71 | 1.83 | 17.60% |
| Price to Tangible Book Value | 1.17 | 1.17 | 1.12 | 1.18 | 2.79% |
| Price to Free Cash Flow TTM | 12.64 | 12.37 | 12.74 | 10.70 | -4.45% |
| Free Cash Flow Yield | 7.9% | 8.1% | 7.8% | 9.3% | 4.66% |
| Return on Equity | 11.5% | 10.6% | 5.2% | 5.7% | -47.99% |
| Total Debt | $118.52M | $94.22M | $108.08M | $52.66M | -11.62% |
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