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Chemung Financial Corp

CHMG

53.810USD

+1.310+2.50%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

257.87MMarket Cap

22.96P/E TTM



Chemung Financial Corp

53.810

+1.310+2.50%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-17

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered undervalued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

125 / 400

Overall Ranking

241 / 4723

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 2 analysts

Buy

Current Rating

59.500

Target Price

+13.46%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Chemung Financial Corporation is a financial services holding company. The Company operates about 31 offices through its principal subsidiary, Chemung Canal Trust Company (the Bank), a full-service community bank. The Company is also the parent company of CFS Group, Inc., a financial services subsidiary offering non-traditional services, including mutual funds, annuities, brokerage services, tax preparation services and insurance. The Company, through the Bank and CFS, provides a range of financial services, including demand, savings and time deposits, commercial, residential and consumer loans, interest rate swaps, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds and brokerage services. Its core banking segment attracts deposits from the general public and uses such funds to originate consumer, commercial, commercial real estate, and other loans. Its WMG services segment offers trust and investment advisory services to clients.

Growing

The company is in a growing phase, with the latest annual income totaling USD 94.35M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 24.91%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 24.91%.

Overvalued

The company’s latest PB is 1.07, at a high 3-year percentile range.

Institutional Buying

The latest institutional holdings are 2.78M shares, increasing 3.69% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 204.41K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.31.

Financial Health

Currency: USD Updated：2025-09-17

The company's current financial score is 5.98, which is lower than the Banking Services industry's average of 7.07. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 8.59M, representing a year-over-year decrease of 62.30%, while its net profit experienced a year-over-year decrease of 227.45%.

Score

Industry at a Glance

Previous score

5.99

Change

-0.01



Financials

5.81

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.54

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

2.41

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.13

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-17

The company’s current valuation score is 1.80, which is higher than the Banking Services industry's average of 1.34. Its current P/E ratio is 22.36, which is -1.36% below the recent high of 22.06 and 55.82% above the recent low of 9.88.

Score

Industry at a Glance

Previous score

1.80

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 125/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-17

The company’s current earnings forecast score is 8.00, which is higher than the Banking Services industry's average of 7.39. The average price target for Chemung Financial Corp is 59.50, with a high of 60.00 and a low of 59.00.

Score

Industry at a Glance

Previous score

8.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 2 analysts

Buy

Current Rating

59.500

Target Price

+13.33%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Chemung Financial Corp

CHMG

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated：2025-09-17

The company’s current price momentum score is 6.64, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 54.62 and the support level at 50.53, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.37

Change

-0.73

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(3)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

-0.157

Neutral

RSI(14)

57.893

Neutral

STOCH(KDJ)(9,3,3)

55.706

Buy

ATR(14)

0.963

High Vlolatility

CCI(14)

52.976

Neutral

Williams %R

37.282

Buy

TRIX(12,20)

0.107

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

52.780

Buy

MA10

52.847

Buy

MA20

53.032

Buy

MA50

52.161

Buy

MA100

49.773

Buy

MA200

49.241

Buy

Institutional Confidence

Currency: USD Updated：2025-09-17

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 57.90%, representing a quarter-over-quarter increase of 3.14%. The largest institutional shareholder is The Vanguard, holding a total of 204.41K shares, representing 4.27% of shares outstanding, with 2.80% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Dalrymple Family L P

339.24K

Chemung Canal Trust Company

336.50K

+7.98%

BlackRock Institutional Trust Company, N.A.

249.00K

+12.89%

The Vanguard Group, Inc.

Star Investors

197.07K

-0.47%

Dimensional Fund Advisors, L.P.

168.79K

+7.93%

BlackRock Financial Management, Inc.

102.43K

+372.10%

Geode Capital Management, L.L.C.

80.35K

+5.32%

Bridgeway Capital Management, LLC

75.64K

-3.06%

Acadian Asset Management LLC

72.60K

+3.63%

Basswood Capital Management, LLC

71.46K

+88.44%

Risk Assessment

Currency: USD Updated：2025-09-17

The company’s current risk assessment score is 5.56, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.39. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.