Accessibility Menu
Chemung Financial logo

Chemung Financial(NASDAQ) CHMG

Current Price$81.39
Market Cap$390.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1975)+220,742%
5 Year+112%
1 Year+57%
1 Month+9%
Chemung Financial last closing stock price
MetricPriceDate
Last closeUSD 80.982026-07-24
Chemung Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+6.62%USD 75.952026-07-17
1 month+8.84%USD 74.402026-06-24
3 month+21.75%USD 66.512026-04-24
Year to date+46.79%USD 55.172025-12-31
1 year+56.96%USD 51.592025-07-24
3 year+113.92%USD 37.862023-07-25
5 year+111.52%USD 38.292021-07-23
Since inception+220,741.97%USD 0.041975-01-06

Chemung Financial Financials at a Glance

Market Cap

$390.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$138.56M

Net Income (TTM)

$33.54M

EPS (TTM)

$6.91

P/E Ratio

11.72

Dividend

$1.36

Beta (Volatility)

0.37 (Low)

Price

$81.39

Volume

93,290.461

Open

$75.16

Previous Close

$80.98

Daily Range

$75.16 - $81.88

52-Week Range

$48.61 - $81.88

Estimated Earnings Date

Oct 20, 2026

CHMG News

GettyImages-1160957671

What Are Small Banks Doing With Stock Buybacks?

Bram BerkowitzMar 29, 2020

CHMG: Motley Fool Moneyball Superscore

55

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Chemung Financial

Chemung helps people and businesses manage their money. It provides loans for homes and local business growth. The company also manages retirement plans and family wealth.

Simple Banking Solutions

  • Commercial Lending: Loans and financing for small to mid-sized businesses and agricultural firms.
  • Wealth Management: Investment planning and fiduciary services for trusts, estates, and retirement plans.
  • Consumer Deposits: Personal checking, savings, and insured money market accounts for individuals.
  • Residential Mortgages: Home purchase loans and equity lines for consumers in regional markets.

Where the Company Grows

  • Operates the Capital Bank division to serve New York's Capital Region.
  • Provides specialized banking services through the Canal Bank division in Western New York.
  • Maintains a physical network of 31 branch offices across 14 counties.

A Century of Presence

Chemung has operated continuously in the financial services sector since its founding in 1833. The company utilizes distinct regional brands to maintain a localized presence in competitive New York and Pennsylvania markets.

The Q1 2026 Scorecard

  • Net income rose to $9.2 million in Q1 2026, up 52.7% from Q1 2025.
  • Total revenue reached $39.9 million in Q1 2026, an increase of 6.9% year-over-year.
  • Operating income hit $11.8 million in Q1 2026, up 54% from the previous year.
  • Free cash flow grew to $8.9 million in Q1 2026, representing a 30% increase.
  • Total loans reached $2.31 billion as of March 31, 2026.

Bottom Line

Chemung has evolved from a local lender into a regional institution with a strong emphasis on wealth management and commercial banking. Its long-term stability and regional branding support its role as a primary financial provider in its service areas.

AI Generated • May 12, 2026

Industry

Banks

Sector

Financials

Employees

348

CEO

Anders M. Tomson

Website

www.chemungcanal.com

Headquarters

Elmira, NY 14901, US

CHMG Financials

Key Financial Metrics (TTM)

Gross Margin

67.54%

Operating Margin

15.20%

Net Income Margin

24.21%

Return on Equity

12.98%

Return on Capital

7.68%

Return on Assets

1.19%

Earnings Yield

8.53%

Dividend Yield

1.68%

Payout Ratio

19.17%

Stock Overview

Market Cap

$390.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.82M

Volume

93.29K

Avg. Volume

50.80K

Financials (TTM)

Gross Profit

$93.59M

Operating Income

$21.06M

EBITDA

$23.17M

Operating Cash Flow

$47.36M

Capital Expenditure

-$1.49M

Free Cash Flow

$45.87M

Cash & ST Invst.

$28.99M

Total Debt

$142.37M

Chemung Financial Performance Analysis

Chemung Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 102,982,00011.4%
20232023-12-31USD 137,524,00033.5%
20242024-12-31USD 150,441,0009.4%
20252025-12-31USD 140,656,000-6.5%
Chemung Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3080.2%
Q42025-12-313.0%
Q12026-03-31-2.4%
Q22026-06-30-54.7%
Chemung Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 6.138.7%
20232023-12-31USD 5.28-13.9%
20242024-12-31USD 4.96-6.1%
20252025-12-31USD 3.14-36.6%
Chemung Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30219.4%
Q42025-12-310.6%
Q12026-03-3118.6%
Q22026-06-30-4.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$18.07M

-18.0%

Gross Profit

$7.46M

-13.8%

Gross Margin

41.31%

N/A

Market Cap

$390.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.12M

N/A

Employees

348

N/A

Net Income

$8.81M

+236.5%

EBITDA

-$11.84M

-44.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$28.99M

-95.2%

Total Debt

$142.37M

+31.7%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$142.37M

+168.2%

Short Term Debt

$0.00

-100.0%

Return on Assets

1.19%

N/A

Return on Invested Capital

0.75%

N/A

Free Cash Flow

$8.91M

+30.0%

Operating Cash Flow

$9.04M

+25.9%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
CZFSCitizens Financial Services, Inc.
$74.88+4.73%
NWFLNorwood Financial Corp.
$32.63+1.37%
TSBKTimberland Bancorp, Inc.
$43.80+0.76%
ISTRInvestar Holding Corporation
$29.86+1.84%

Trending Stocks

Symbol / CompanyPricePrice Chg
INTCIntel
$92.32-0.08%
NOKNokia
$9.10-0.06%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.42-0.04%
ONDSOndas
$7.80-0.02%

Questions About CHMG

What is the current price of Chemung Financial?

Chemung Financial is trading at $80.98 per share.

What is the 52-week range for Chemung Financial?

Over the past 52 weeks, Chemung Financial has traded between $48.61 and $81.88.

How much debt does Chemung Financial have?

As of the most recent reporting period, Chemung Financial reported total debt of $142.37M.

How much cash does Chemung Financial have on hand?

Chemung Financial does not have cash on hand data available.

What is Chemung Financial’s dividend yield?

Chemung Financial currently has a dividend yield of 1.68%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services