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Chemung Financial Corp

CHMG
๎˜ญ๊ด€์‹ฌ ๋ชฉ๋ก์— ์ถ”๊ฐ€
82.090USD
+0.870+1.07%
์ข…๊ฐ€ย 09-24 16:00๏ผˆET๏ผ‰
397.32M์‹œ๊ฐ€์ด์•ก
21.68P/E TTM

Chemung Financial Corp

82.090
+0.870+1.07%
๊ฐœ์š”
๋‰ด์Šค & ๋ถ„์„
๊ธˆ์œต
์ฃผ์‹ ์ ์ˆ˜
๊ธฐ์ˆ 
์˜ˆ์ƒ
์†Œ์œ ๊ถŒ
๋ฐฐ๋‹น๊ธˆ
ํ”„๋กœํ•„
ํ† ๋ก 
์žฌ๋ฌด ์š”์•ฝ์†์ต๊ณ„์‚ฐ์„œ์žฌ๋ฌด์ƒํƒœํ‘œํ˜„๊ธˆ ํ๋ฆ„ํ‘œ์žฌ๋ฌด์ œํ‘œ๊ธฐ์—… ๊ฐ€์น˜ ํ‰๊ฐ€์œ„ํ—˜ ์š”์†Œ

๊ฐœ์š”

๋‰ด์Šค & ๋ถ„์„

๊ธˆ์œต

์ฃผ์‹ ์ ์ˆ˜

๊ธฐ์ˆ 

์˜ˆ์ƒ

์†Œ์œ ๊ถŒ

๋ฐฐ๋‹น๊ธˆ

ํ”„๋กœํ•„

ํ† ๋ก 

์žฌ๋ฌด ์š”์•ฝ์†์ต๊ณ„์‚ฐ์„œ์žฌ๋ฌด์ƒํƒœํ‘œํ˜„๊ธˆ ํ๋ฆ„ํ‘œ์žฌ๋ฌด์ œํ‘œ๊ธฐ์—… ๊ฐ€์น˜ ํ‰๊ฐ€์œ„ํ—˜ ์š”์†Œ

CHMG ์žฌ๋ฌด ๋ฐ์ดํ„ฐ

์Šค๋งˆํŠธํ•œ ํˆฌ์ž์ž๋ฅผ ์œ„ํ•ด ์„ค๊ณ„๋œ ์˜ฌ์ธ์› ๋ฐ์ดํ„ฐ ๋Œ€์‹œ๋ณด๋“œ๋ฅผ ํ†ตํ•ด Chemung Financial Corp์˜ ์žฌ๋ฌด ๋ฐ์ดํ„ฐ๋ฅผ ํ™•์ธํ•˜์„ธ์š”. ๋ณต์žกํ•œ ์žฌ๋ฌด์ œํ‘œ๋ฅผ ์‚ฌ์šฉ์ž ์ •์˜ ๊ฐ€๋Šฅํ•œ ๋ทฐ๋กœ ๊ตฌ์„ฑํ•˜์—ฌ ์žฌ๋ฌด ๋ถ„์„์„ ์ œ๊ณตํ•ฉ๋‹ˆ๋‹ค. ์ตœ์‹  ์—ฐ๊ฐ„ ์žฌ๋ฌด ๋ณด๊ณ ์„œ์— ์ ‘๊ทผํ•˜๊ฑฐ๋‚˜, ์†์ต๊ณ„์‚ฐ์„œ, ์žฌ๋ฌด์ƒํƒœํ‘œ, ํ˜„๊ธˆ ํ๋ฆ„ํ‘œ๋ฅผ ์‚ฌ์šฉํ•˜์—ฌ ๋ถ„๊ธฐ๋ณ„ ์„ฑ๊ณผ๋ฅผ ๋ถ„์„ํ•˜์„ธ์š”. ์‹ค์‹œ๊ฐ„ ์žฌ๋ฌด ์ง€ํ‘œ๋ฅผ ์†๋์—์„œ ํ™•์ธํ•  ์ˆ˜ ์žˆ์–ด ํšŒ์‚ฌ์˜ ์‹œ์žฅ ๊ฑด์ „์„ฑ์„ ์‹œ๊ฐ„์— ๋”ฐ๋ผ ๊ทธ ์–ด๋Š ๋•Œ๋ณด๋‹ค ์‰ฝ๊ฒŒ ๋ชจ๋‹ˆํ„ฐ๋งํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.

ํ•ต์‹ฌ ์žฌ๋ฌด ๋น„์œจ

์‹œ๊ฐ€์ด์•ก
397.32M
๋ฐฐ๋‹น ์ˆ˜์ต๋ฅ 
1.34
P/E TTM
21.68
์ฃผ๋‹น์ˆœ์ด์ต
3.79
์ˆ˜์ต
90.63M
์ˆœ์ด์ต
23.67M
ROE
7.42%
ROA
0.66%

Chemung Financial Corp ์‹ค์  ๋ฐœํ‘œ์ผ๎˜

์ตœ์‹  ์ถœ์‹œ
Jul 22, 2026
EPS / ์˜ˆ์ƒ
1.82/1.77
์ˆ˜์ต / ์˜ˆ์ƒ
30.06M/30.52M

์žฌ๋ฌด์ œํ‘œ ์š”์•ฝ

๋ถ„๊ธฐ๋ณ„๎˜ฎ
๋ถ„๊ธฐ๋ณ„+์—ฐ๊ฐ„
๋ถ„๊ธฐ๋ณ„
์—ฐ๊ฐ„
FY2026Q2
FY2026Q1
FY2025Q4
FY2025Q3
FY2025Q2
FY2025Q1
FY2024Q4
FY2024Q3
FY2024Q2
FY2024Q1
FY2023Q4
FY2023Q3
FY2023Q2
FY2023Q1
FY2022Q4
FY2022Q3
FY2022Q2
FY2022Q1
FY2021Q4
FY2021Q3
์žฌ๋ฌด ์ง€ํ‘œ
EPS
233.82%1.80
51.65%1.91
31.60%1.63
33.15%1.60
-228.35%-1.34
-15.05%1.26
54.51%1.24
-25.79%1.20
-21.27%1.05
-3.90%1.48
-49.34%0.80
--1.61
--1.33
--1.54
--1.58
----
----
----
----
----
์ˆ˜์ต
250.10%30.06M
15.80%28.82M
16.45%29.24M
18.16%27.91M
-62.30%8.59M
8.95%24.89M
10.11%25.11M
3.65%23.62M
-2.59%22.77M
-7.19%22.84M
-10.62%22.81M
-3.15%22.79M
4.16%23.38M
14.42%24.62M
15.71%25.52M
7.21%23.53M
5.73%22.45M
4.34%21.51M
1.77%22.05M
6.15%21.95M
์ˆœ์ด์ต
236.69%8.69M
52.56%9.08M
32.62%7.84M
34.21%7.68M
-227.45%-6.36M
-14.44%5.95M
55.55%5.91M
-25.21%5.72M
-20.59%4.99M
-4.29%6.96M
-48.89%3.80M
18.52%7.65M
-21.73%6.28M
5.87%7.27M
15.26%7.44M
-2.90%6.45M
18.09%8.02M
5.16%6.87M
23.33%6.45M
16.37%6.65M
์ˆœ์ด์ต๋ฅ 
139.00%29.31%
31.89%31.92%
12.41%26.47%
15.29%27.92%
-443.18%-75.15%
-21.58%24.20%
41.27%23.55%
-27.84%24.22%
-18.48%21.90%
4.49%30.86%
-42.82%16.67%
--33.56%
--26.86%
--29.53%
--29.15%
----
----
----
----
----
๋ถ€์ฑ„๋น„์œจ
34.78%4.86%
41.23%4.48%
22.12%4.97%
-9.04%1.76%
18.42%3.60%
66.72%3.17%
215.19%4.07%
1581.77%1.94%
50.82%3.04%
-45.90%1.90%
-65.57%1.29%
--0.12%
--2.02%
--3.52%
--3.75%
----
----
----
----
----
์†์ต๊ณ„์‚ฐ์„œ๎˜
์ˆ˜์ต
250.10%30.06M
15.80%28.82M
16.45%29.24M
18.16%27.91M
-62.30%8.59M
8.95%24.89M
10.11%25.11M
3.65%23.62M
-2.59%22.77M
-7.19%22.84M
-10.62%22.81M
-3.15%22.79M
4.16%23.38M
14.42%24.62M
15.71%25.52M
7.21%23.53M
5.73%22.45M
4.34%21.51M
1.77%22.05M
6.15%21.95M
์˜์—… ์ด์ต
223.74%11.04M
53.69%11.92M
44.46%10.97M
38.25%9.94M
-242.43%-8.92M
-14.17%7.76M
74.61%7.59M
-26.54%7.19M
-21.56%6.26M
-2.03%9.04M
-53.92%4.35M
18.23%9.79M
-24.45%7.98M
3.71%9.22M
15.06%9.44M
-0.73%8.28M
20.44%10.57M
7.70%8.89M
27.64%8.20M
16.50%8.34M
์ˆœ์ด์ต
236.69%8.69M
52.56%9.08M
32.62%7.84M
34.21%7.68M
-227.45%-6.36M
-14.44%5.95M
55.55%5.91M
-25.21%5.72M
-20.59%4.99M
-4.29%6.96M
-48.89%3.80M
18.52%7.65M
-21.73%6.28M
5.87%7.27M
15.26%7.44M
-2.90%6.45M
18.09%8.02M
5.16%6.87M
23.33%6.45M
16.37%6.65M
์žฌ๋ฌด์ƒํƒœํ‘œ๎˜
์ด ์ž์‚ฐ
-1.13%2.82B
-1.72%2.75B
-2.37%2.71B
-2.80%2.70B
3.51%2.85B
0.42%2.80B
2.42%2.78B
2.45%2.77B
3.03%2.76B
4.92%2.78B
2.46%2.71B
6.13%2.71B
9.17%2.67B
7.24%2.65B
9.39%2.65B
5.53%2.55B
2.91%2.45B
1.33%2.47B
6.10%2.42B
11.67%2.42B
๋ถ€์ฑ„ ์ด๊ณ„
-2.59%2.55B
-3.22%2.49B
-4.11%2.46B
-4.00%2.45B
2.46%2.62B
-0.75%2.57B
1.81%2.56B
0.62%2.55B
2.30%2.55B
4.48%2.59B
1.46%2.52B
5.92%2.54B
9.76%2.50B
8.19%2.48B
12.33%2.48B
8.34%2.40B
4.52%2.28B
1.85%2.29B
6.12%2.21B
12.37%2.21B
์ž๋ณธ ์ด๊ณ„
15.06%270.36M
15.17%262.93M
18.30%254.71M
11.17%245.31M
16.77%234.97M
15.82%228.31M
10.28%215.31M
29.75%220.65M
13.41%201.22M
11.16%197.13M
17.34%195.24M
9.35%170.06M
1.57%177.43M
-4.40%177.34M
-21.31%166.39M
-24.56%155.52M
-14.36%174.69M
-4.76%185.51M
5.89%211.46M
4.64%206.14M
ํ˜„๊ธˆ ํ๋ฆ„ํ‘œ๎˜
์ˆœ์˜์—…์ด์ต
30.81%59.27M
19.61%52.26M
-48.97%-71.51M
-321.39%-98.21M
177.64%45.31M
-26.29%43.69M
-18.67%-48.00M
-52.15%44.36M
-189.87%-58.36M
273.11%59.28M
-1270.79%-40.45M
-43.66%92.70M
218.30%64.94M
-84.13%15.89M
68.96%-2.95M
267.28%164.55M
12.84%-54.90M
-44.61%100.14M
-107.78%-9.51M
-62.22%44.80M
์ˆœํˆฌ์ž
-124.81%-51.77M
-208.13%-35.84M
-66.06%-71.21M
-4670.73%-57.53M
4831.50%208.70M
34.89%-11.63M
-50.26%-42.88M
93.70%-1.21M
188.70%4.23M
40.29%-17.87M
62.96%-28.54M
81.82%-19.15M
81.12%-4.77M
33.47%-29.92M
-103.74%-77.04M
-173.81%-105.33M
29.41%-25.27M
65.51%-44.98M
76.33%-37.81M
68.23%-38.47M
์ˆœ์žฌ๋ฌดํ™œ๋™
-2.89%12.24M
48.78%-13.14M
48.18%85.17M
-72.08%-56.66M
-57.26%12.60M
-254.56%-25.66M
89.97%57.48M
36.92%-32.93M
172.65%29.49M
330.81%16.60M
-67.62%30.26M
-12.10%-52.20M
-191.31%-40.59M
56.84%-7.19M
641.30%93.44M
-3147.07%-46.56M
3234.91%44.45M
-756.32%-16.66M
426.30%12.61M
47.99%-1.43M

์ž์ฃผ ๋ฌป๋Š” ์งˆ๋ฌธ

Chemung Financial Corp์˜ ์ด์ˆ˜์ต์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ๋งค์ถœ์€ 90.63M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” 94.35M์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ด์ž์‚ฐ์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, Chemung Financial Corp์˜ ์ด์ž์‚ฐ์€ 2.71B์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -2.37์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ด๋ถ€์ฑ„๋Š” ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, Chemung Financial Corp์˜ ์ด๋ถ€์ฑ„๋Š” 2.46B์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -4.11์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ด์ž๋ณธ์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, Chemung Financial Corp์˜ ์ด์ž๋ณธ์€ 254.71M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” 18.30์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ˆœ์˜์—…์†Œ๋“์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, Chemung Financial Corp์˜ ์ˆœ์˜์—…์†Œ๋“์€ 19.75M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -34.36์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ˆœํˆฌ์ž๋Š” ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, Chemung Financial Corp์˜ ์ˆœํˆฌ์ž๋Š” 68.32M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” 218.36์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ˆœ์ž๊ธˆ์กฐ๋‹ฌ์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, Chemung Financial Corp์˜ ์ˆœ์ž๊ธˆ์กฐ๋‹ฌ์€ 15.45M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -78.13์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ฃผ๋‹น์ˆœ์ด์ต(EPS)์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์ฃผ๋‹น์ˆœ์ด์ต(EPS)์€ 3.14์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -36.64์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ˆœ์ด์ต์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์ˆœ์ด์ต์€ 15.10M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -36.19์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ˆœ์ด์ต๋ฅ ์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์ˆœ์ด์ต๋ฅ ์€ 16.67์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -33.57์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ๋ถ€์ฑ„/์ž์‚ฐ ๋น„์œจ์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ๋ถ€์ฑ„/์ž์‚ฐ ๋น„์œจ์€ 4.97์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” 22.12์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ž๊ธฐ์ž๋ณธ์ด์ต๋ฅ (ROE)์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์ž๊ธฐ์ž๋ณธ์ด์ต๋ฅ (ROE)์€ 6.43์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -44.27์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์ด์ž์‚ฐ์ด์ต๋ฅ (ROA)์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์ด์ž์‚ฐ์ด์ต๋ฅ (ROA)์€ 0.55์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -36.19์ž…๋‹ˆ๋‹ค.

Chemung Financial Corp์˜ ์˜์—…์ด์ต์€ ์–ผ๋งˆ์ธ๊ฐ€์š”?

๎™Œ
Chemung Financial Corp์˜ FY2025 ์‹ค์  ๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์˜์—…์ด์ต์€ 19.75M์ด๋ฉฐ, ์ „๋…„ ๋Œ€๋น„ ๋ณ€๋™์น˜๋Š” -34.36์ž…๋‹ˆ๋‹ค.
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์œ„ํ—˜ ๊ฒฝ๊ณ : ์ €ํฌ ์›น์‚ฌ์ดํŠธ์™€ ๋ชจ๋ฐ”์ผ ์•ฑ์€ ํŠน์ • ํˆฌ์ž ์ƒํ’ˆ์— ๋Œ€ํ•œ ์ผ๋ฐ˜์ ์ธ ์ •๋ณด๋งŒ์„ ์ œ๊ณตํ•ฉ๋‹ˆ๋‹ค. Finsights๋Š” ์žฌ์ •์  ์กฐ์–ธ์ด๋‚˜ ํˆฌ์ž ์ƒํ’ˆ์— ๋Œ€ํ•œ ์ถ”์ฒœ์„ ์ œ๊ณตํ•˜์ง€ ์•Š์œผ๋ฉฐ, ์ด๋Ÿฌํ•œ ์ •๋ณด ์ œ๊ณต์ด Finsights๊ฐ€ ๊ธˆ์œต ์กฐ์–ธ์ด๋‚˜ ์ถ”์ฒœ์„ ์ œ๊ณตํ•˜๋Š” ๊ฒƒ์œผ๋กœ ํ•ด์„๋˜์–ด์„œ๋Š” ์•ˆ ๋ฉ๋‹ˆ๋‹ค.
ํˆฌ์ž ์ƒํ’ˆ์€ ํˆฌ์ž ์›๊ธˆ ์†์‹ค์„ ํฌํ•จํ•œ ์ƒ๋‹นํ•œ ํˆฌ์ž ์œ„ํ—˜์— ๋…ธ์ถœ๋˜์–ด ์žˆ์œผ๋ฉฐ, ๋ชจ๋“  ์‚ฌ๋žŒ์—๊ฒŒ ์ ํ•ฉํ•˜์ง€ ์•Š์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ํˆฌ์ž ์ƒํ’ˆ์˜ ๊ณผ๊ฑฐ ์„ฑ๊ณผ๋Š” ๋ฏธ๋ž˜ ์„ฑ๊ณผ๋ฅผ ๋ณด์žฅํ•˜์ง€ ์•Š์Šต๋‹ˆ๋‹ค.
Finsights๋Š” ์ œ3์ž ๊ด‘๊ณ ์ฃผ๋‚˜ ์ œํœด์‚ฌ๊ฐ€ ์ €ํฌ ์›น์‚ฌ์ดํŠธ๋‚˜ ๋ชจ๋ฐ”์ผ ์•ฑ ๋˜๋Š” ๊ทธ ์ผ๋ถ€์— ๊ด‘๊ณ ๋ฅผ ๊ฒŒ์žฌํ•˜๊ฑฐ๋‚˜ ์ „๋‹ฌํ•  ์ˆ˜ ์žˆ๋„๋ก ํ—ˆ์šฉํ•  ์ˆ˜ ์žˆ์œผ๋ฉฐ, ์‚ฌ์šฉ์ž๊ฐ€ ๊ด‘๊ณ ์™€ ์ƒํ˜ธ์ž‘์šฉํ•˜๋Š” ๋ฐฉ์‹์— ๋”ฐ๋ผ ์ด๋“ค๋กœ๋ถ€ํ„ฐ ๋ณด์ƒ์„ ๋ฐ›์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
ยฉ ์ €์ž‘๊ถŒ: FINSIGHTS MEDIA PTE. LTD. ๋ชจ๋“  ๊ถŒ๋ฆฌ ๋ณด์œ 
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