Chemung financial corporationCHMG.US Overview
CHMG Overall Performance
CHMG AI Analysis & Strategy
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CHMG Current Performance
3.07%
Chemung financial corporation
1.22%
Avg of Sector
1.13%
S&P500
CHMG Key Information
CHMG Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
CHMG Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
CHMG Profile
Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
Price of CHMG
CHMG FAQ
When is CHMG's latest earnings report released?
The most recent financial report for Chemung financial corporation (CHMG) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CHMG's short-term business performance and financial health. For the latest updates on CHMG's earnings releases, visit this page regularly.
Where does CHMG fall in the P/E River chart?
According to historical valuation range analysis, Chemung financial corporation (CHMG)'s current price-to-earnings (P/E) ratio is 21.06, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of CHMG?
According to the latest financial report, Chemung financial corporation (CHMG) reported an Operating Profit of -8.81M with an Operating Margin of -98.36% this period, representing a decline of 240.73% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is CHMG's revenue growth?
In the latest financial report, Chemung financial corporation (CHMG) announced revenue of 8.96M, with a Year-Over-Year growth rate of -60.15%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does CHMG have?
At the end of the period, Chemung financial corporation (CHMG) held Total Cash and Cash Equivalents of 320.05M, accounting for 0.11 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does CHMG go with three margins increasing?
In the latest report, Chemung financial corporation (CHMG) did not achieve the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of -98.36%%, and net margin of -72%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CHMG's profit trajectory and future growth potential.
Is CHMG's EPS continuing to grow?
According to the past four quarterly reports, Chemung financial corporation (CHMG)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -1.35. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of CHMG?
Chemung financial corporation (CHMG)'s Free Cash Flow (FCF) for the period is 10.69M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 94.93% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of CHMG?
The latest valuation data shows Chemung financial corporation (CHMG) has a Price-To-Earnings (PE) ratio of 21.06 and a Price/Earnings-To-Growth (PEG) ratio of 0.04. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.