CHMG
BULLISH
$55.8
Live
Chemung Financial Corporation · NASDAQ
Target $66.25
(+18.7%)
$40.71
52W Range
$65.5
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$268.87M
P/E
17.77
ROE
6.4%
Profit margin
16.7%
Debt/Equity
N/A
Dividend yield
2.46%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
CHMG shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.
Key Strengths
Strong revenue growth of 16.0%
Key Risks
Limited historical data available for full assessment
AI Fair Value Estimate
Based on comprehensive analysis
$92.63
+66.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
60
75
60
50
50
AI Verdict
CHMG shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.
Key drivers: Strong revenue growth of 16.0%, Limited historical data available for full assessment
Confidence
65%
Value
60/100
Rule-based valuation (P/E + Graham).
Positives
- Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
75/100
Rule-based growth outlook.
Positives
- Revenue growth running at 16.0%.
- Growth-implied value exceeds price.
Watchpoints
No urgent risks highlighted.
Past
60/100
Historical performance + price trend: Shares moved +45.2% over 5Y and +33.2% over 1Y.
Positives
- Healthy profit margin of 16.7%.
Watchpoints
No urgent risks highlighted.
Health
50/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
50/100
Dividend policy fallback.
Positives
- Moderate dividend profile (Score: 50/100).
- Yield: 2.5%.
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$55.8
Analyst Target
$66.25
Upside/Downside
+18.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CHMG and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CHMG
Chemung Financial Corporation
Primary
|
+45.2% | +49.1% | +33.2% | +7.6% | +2.4% | +3.7% |
|
BLFY
Blue Foundry Bancorp
Peer
|
-0.3% | +3.9% | +33.0% | +42.1% | +0.9% | +0.9% |
|
BPRN
Princeton Bancorp, Inc.
Peer
|
+94.1% | +27.8% | +16.7% | +19.4% | +5.0% | +1.6% |
|
ACV
Virtus Diversified Income & Convertible Fund
Peer
|
+58.2% | +76.3% | +36.2% | +30.3% | +7.0% | +2.3% |
|
BNY
BlackRock New York Municipal Income Trust
Peer
|
-10.7% | +6.7% | +4.5% | +11.3% | +1.2% | -0.6% |
CHM
Chemung Financial Corporation
Primary
5Y
+45.2%
3Y
+49.1%
1Y
+33.2%
6M
+7.6%
1M
+2.4%
1W
+3.7%
BLF
Blue Foundry Bancorp
Peer
5Y
-0.3%
3Y
+3.9%
1Y
+33.0%
6M
+42.1%
1M
+0.9%
1W
+0.9%
BPR
Princeton Bancorp, Inc.
Peer
5Y
+94.1%
3Y
+27.8%
1Y
+16.7%
6M
+19.4%
1M
+5.0%
1W
+1.6%
ACV
Virtus Diversified Income & Convertible Fund
Peer
5Y
+58.2%
3Y
+76.3%
1Y
+36.2%
6M
+30.3%
1M
+7.0%
1W
+2.3%
BNY
BlackRock New York Municipal Income Trust
Peer
5Y
-10.7%
3Y
+6.7%
1Y
+4.5%
6M
+11.3%
1M
+1.2%
1W
-0.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
17.77
Forward P/E
7.41
PEG Ratio
N/A
P/B Ratio
1.05
P/S Ratio
2.97
EV/Revenue
3.9
EV/EBITDA
N/A
Market Cap
$268.87M
Profitability
Profit margins and return metrics
Profit Margin
16.66%
Operating Margin
38.42%
Gross Margin
N/A
ROE
6.43%
ROA
0.55%
Growth
Revenue and earnings growth rates
Revenue Growth
+16.0%
Earnings Growth
+26.6%
Q/Q Revenue Growth
+18.42%
Q/Q Earnings Growth
+30.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$13.65
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
25.6%
Total Assets
$2.7B
Liabilities
$2.5B
Equity
$0.3B
Debt/Equity
9.64x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%
Financial Services Sector Comparison
Comparing CHMG against 247 companies in the Financial Services sector
(35 bullish, 106 neutral, 106 bearish)
P/E Ratio
17.77
This Stock
vs
27.8
Sector Avg
-36.1%
(Discount)
Return on Equity (ROE)
6.43%
This Stock
vs
-2.32%
Sector Avg
-377.1%
(Below Avg)
Profit Margin
16.66%
This Stock
vs
80.12%
Sector Avg
-79.2%
(Weaker)
Revenue Growth
16.0%
This Stock
vs
28.79%
Sector Avg
-44.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CHMG
Chemung Financial Corporation
|
BULLISH | $268.87M | 17.77 | 6.4% | 16.7% | $55.8 | |
|
BLFY
Blue Foundry Bancorp
|
BEARISH | $266.99M | - | -2.8% | -20.6% | $12.86 | Compare |
|
BPRN
Princeton Bancorp, Inc.
|
NEUTRAL | $250.77M | 14.21 | 6.7% | 23.2% | $37.08 | Compare |
|
ACV
Virtus Diversified Income...
|
BEARISH | $289.92M | 6.7 | -% | -% | $27.94 | Compare |
|
BNY
BlackRock New York...
|
BEARISH | $244.55M | - | -8.6% | -115.2% | $10.14 | Compare |
CHMG
Chemung...
BULLISH
Mkt Cap
$269M
P/E
17.8
ROE
6.4%
Price
$55.8
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-26 | DALRYMPLE ROBERT H | Director | Sale | 2,833 | $160,232 |
| 2026-02-17 | COSGROVE PETER K | Officer | Stock Award | 1,267 | $75,057 |
| 2026-02-17 | STEMPIN JOHN J | Officer | Stock Award | 127 | $7,523 |
| 2026-02-17 | MCKIM DALE M. III | Chief Financial Officer | Stock Award | 1,773 | $105,033 |
| 2026-02-17 | CUTRONA VINCENT M | Officer | Stock Award | 1,267 | $75,057 |
| 2026-02-17 | MEISNER MARY E | Officer | Stock Award | 1,140 | $67,534 |
| 2026-02-17 | TOMSON ANDERS | Chief Executive Officer | Stock Award | 4,221 | $250,052 |
| 2026-02-17 | KENEFICK JEFFREY PATRICK | Officer | Stock Award | 1,368 | $81,040 |
| 2026-02-17 | HAZELTON KIMBERLY A. | Officer | Stock Award | 1,056 | $62,557 |
| 2026-02-17 | FARIELLO DANIEL D | Officer | Stock Award | 1,267 | $75,057 |
| 2026-02-17 | COLE LOREN D | Chief Technology Officer | Stock Award | 1,182 | $70,022 |
| 2026-02-04 | FARIELLO DANIEL D | Officer | Sale | 748 | $45,725 |
| 2026-02-03 | FARIELLO DANIEL D | Officer | Sale | 242 | $14,901 |
| 2026-02-02 | TYRRELL THOMAS R. | Director | Sale | 500 | $30,500 |
| 2026-01-21 | FORRESTEL RICHARD E JR | Director | Stock Award | 591 | $33,764 |
DALRYMPLE ROBERT H
Director
2026-02-26
2,833 shares
·
$160,232
COSGROVE PETER K
Officer
2026-02-17
1,267 shares
·
$75,057
STEMPIN JOHN J
Officer
2026-02-17
127 shares
·
$7,523
MCKIM DALE M. III
Chief Financial Officer
2026-02-17
1,773 shares
·
$105,033
CUTRONA VINCENT M
Officer
2026-02-17
1,267 shares
·
$75,057
MEISNER MARY E
Officer
2026-02-17
1,140 shares
·
$67,534
TOMSON ANDERS
Chief Executive Officer
2026-02-17
4,221 shares
·
$250,052
KENEFICK JEFFREY PATRICK
Officer
2026-02-17
1,368 shares
·
$81,040
HAZELTON KIMBERLY A.
Officer
2026-02-17
1,056 shares
·
$62,557
FARIELLO DANIEL D
Officer
2026-02-17
1,267 shares
·
$75,057
COLE LOREN D
Chief Technology Officer
2026-02-17
1,182 shares
·
$70,022
FARIELLO DANIEL D
Officer
2026-02-04
748 shares
·
$45,725
FARIELLO DANIEL D
Officer
2026-02-03
242 shares
·
$14,901
TYRRELL THOMAS R.
Director
2026-02-02
500 shares
·
$30,500
FORRESTEL RICHARD E JR
Director
2026-01-21
591 shares
·
$33,764
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
2 analysts
Keefe, Bruyette & Woods
2026-01-28
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning CHMG from our newsroom.
Newest → oldest
No matching news yet.