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Overview
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Chemung Financial stock

CHMG
US1640241014
A0YHJX

Price

51.55
Today +/-
+0.09
Today %
+0.19 %
P

Chemung Financial stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Chemung Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Chemung Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Chemung Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Chemung Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Chemung Financial Stock Price History

DateChemung Financial Price
11/15/202451.55 undefined
11/14/202451.45 undefined
11/13/202452.15 undefined
11/12/202451.79 undefined
11/11/202451.86 undefined
11/8/202450.70 undefined
11/7/202449.83 undefined
11/6/202451.21 undefined
11/5/202447.75 undefined
11/4/202447.29 undefined
11/1/202447.31 undefined
10/31/202447.78 undefined
10/30/202447.50 undefined
10/29/202447.10 undefined
10/28/202447.23 undefined
10/25/202446.79 undefined
10/24/202447.00 undefined
10/23/202447.18 undefined
10/22/202447.20 undefined
10/21/202447.18 undefined

Chemung Financial Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Chemung Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Chemung Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Chemung Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Chemung Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Chemung Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Chemung Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Chemung Financial’s growth potential.

Chemung Financial Revenue, EBIT and net profit per share

DateChemung Financial RevenueChemung Financial Net Income
2026e121.02 M undefined31.55 M undefined
2025e107.64 M undefined25.72 M undefined
2024e98.17 M undefined23.84 M undefined
2023137.62 M undefined25 M undefined
2022102.92 M undefined28.78 M undefined
202192.88 M undefined26.43 M undefined
202088.03 M undefined19.26 M undefined
201987 M undefined15.61 M undefined
201887.62 M undefined19.63 M undefined
201780.55 M undefined7.43 M undefined
201677.32 M undefined10.03 M undefined
201574.69 M undefined9.43 M undefined
201479.97 M undefined8.16 M undefined
201368.74 M undefined8.73 M undefined
201269.27 M undefined11.02 M undefined
201168.11 M undefined10.54 M undefined
201062.38 M undefined10.1 M undefined
200960.17 M undefined5.23 M undefined
200862.56 M undefined8.35 M undefined
200760.49 M undefined7.26 M undefined
200653.93 M undefined6.59 M undefined
200548.98 M undefined6.59 M undefined
200450.47 M undefined8.73 M undefined

Chemung Financial Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
2000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
5859545250485360626062686968797477808787889210213798107121
-1.72-8.47-3.70-3.85-4.0010.4213.213.33-3.233.339.681.47-1.4516.18-6.334.053.908.75-1.154.5510.8734.31-28.479.1813.08
---------------------------
000000000000000000000000000
00000000000000000000000036380
---------------------------
8866866785101011889107191519262825232531
---25.00-33.33-25.00-16.6714.29-37.50100.00-10.00-27.27-12.5011.11-30.00171.43-21.0526.6736.847.69-10.71-8.008.7024.00
---------------------------
---------------------------
4.094.053.933.823.773.693.643.63.593.63.614.384.644.664.684.724.764.84.834.874.84.684.694.73000
---------------------------
Details

Keystats

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Revenue and Growth

The Chemung Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Chemung Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                               
000000000000000000000000
000000000000000000000000
000000000000000000000000
000000000000000000000000
000000000000000000000000
000000000000000000000000
13.614.717.517.517.218.721.723.224.924.924.224.825.53032.329.428.926.72530.427.325.222.620.22
0000000000000000.50.40.42.32.52.73.12.83.05
000000000000000000000000
032.62.21.81.415.66.25.44.76.25.16.45.13.92.92.11.40.70.3000
5.11.51.51.51.51.51.51.58.89.99.92221.821.821.821.821.821.821.821.821.821.821.821.82
000000000000000000000000
18.719.221.621.220.521.624.230.339.940.238.85352.458.259.255.6545150.555.452.150.147.245.09
18.719.221.621.220.521.624.230.339.940.238.85352.458.259.255.6545150.555.452.150.147.245.09
                                               
0000000000010010010010010010010010010010010010053
2222.222.422.522.722.822.722.822.922.82245.645.445.445.445.545.64645.846.446.846.947.347.77
53.358.361.264.870.173.277.28185.987.894.4100.6107.1111114.4119124.1128.5143.1153.7168188.9211.9229.93
3.65.27.65.852.71.94.4-5.2-0.60.1-1.4-2.8-5.9-8.8-10.9-6.4-6.9-6.8-7.2-6.7-4-4-3.21
0000000000000600-4.4-3.4-4.61.49.1-2.5-71.3-62.8
78.985.791.293.197.898.7101.8108.2103.6110116.5144.9149.8156.6151.1153.7159164.3177.6194.4217.3229.4184211.74
2.12.11.51.11.11.11.31.31.31.10.80.80.515.126.916.814.414.915.519.629.724.617.519.61
00000000000000000008.17.37.46.65.83
0.90.90.90.90.90.90.80.90.90.90.91.101.21.21.21.21.21.31.31.21.51.51.47
49.479.578.77988.560.93531.263.454.344.837.132.712.729.728.527.610000000
000000000000000000000000
52.482.581.18190.562.937.133.465.656.346.53933.22957.846.543.226.116.82938.233.525.626.91
00000000000002032.94.74.54.34.13.83.63.33.05
000000000000000000000000
4.75.18.210.15.38.36.612.412.88.18.19.411.900000000027.223.98
4.75.18.210.15.38.36.612.412.88.18.19.411.92032.94.74.54.34.13.83.630.527.03
57.187.689.391.195.871.243.745.878.464.454.648.445.14960.849.447.930.621.133.14237.156.153.94
136173.3180.5184.2193.6169.9145.5154182174.4171.1193.3194.9205.6211.9203.1206.9194.9198.7227.5259.3266.5240.1265.68
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Chemung Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Chemung Financial's financial health and stability.

Assets

Chemung Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Chemung Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Chemung Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Chemung Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
8866866785101011889107191519262825
222222334333445554433222
00-1-100300-10300-20-242-1001-1
00111144-34521-10664-3752520-31
000100000-121243322034765
0000000000000433333643636
340370103755153744146557
1210192116141015188179242218142223272628353530
-2-2-4-2-2-3-5-4-4-1-2-2-3-3-2-1-1-1-100000
-25-46-34-125-29-24-46-9-11-8-5-56-46-71-1140-10643-32-495-242-252-82
-22-43-29027-25-19-42-4-9-6-2-53-42-68-1130-10545-31-494-242-252-81
000000000000000000000000
-29-8-12-150-5-20-7-62000000000000000
0-1-5-1-2-2-20000000000000-6-100
83814-10-27-121533-1558-27-1119343097263927-145312524632
4251369-22-142465162-24-7253835102314432246513225338
-3-3-3-3-3-3-3-3-3-3-3-4-5-3-4-4-4-4-4-5-5-5-5-5
-320914-2712-556-19-7-1211-22-247-4399-8-13-8128-19
9.237.7614.6919.414.8110.574.6611.1214.186.8615.746.5920.8919.2615.8512.9720.4422.172625.5327.7935.0934.6230.42
000000000000000000000000

Chemung Financial stock margins

The Chemung Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Chemung Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Chemung Financial.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Chemung Financial's sales revenue. A higher gross margin percentage indicates that the Chemung Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Chemung Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Chemung Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Chemung Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Chemung Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Chemung Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Chemung Financial Margin History

DateChemung Financial Profit margin
2026e26.07 %
2025e23.9 %
2024e24.28 %
202318.17 %
202227.96 %
202128.46 %
202021.88 %
201917.94 %
201822.4 %
20179.22 %
201612.97 %
201512.63 %
201410.2 %
201312.7 %
201215.91 %
201115.47 %
201016.19 %
20098.69 %
200813.35 %
200712 %
200612.22 %
200513.45 %
200417.3 %

Chemung Financial Stock Sales Revenue, EBIT, Earnings per Share

The Chemung Financial earnings per share therefore indicates how much revenue Chemung Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Chemung Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Chemung Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Chemung Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Chemung Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Chemung Financial Revenue, EBIT and net profit per share

DateChemung Financial Sales per ShareChemung Financial Earnings per Share
2026e25.42 undefined6.63 undefined
2025e22.61 undefined5.4 undefined
2024e20.62 undefined5.01 undefined
202329.08 undefined5.28 undefined
202221.94 undefined6.14 undefined
202119.85 undefined5.65 undefined
202018.34 undefined4.01 undefined
201917.86 undefined3.21 undefined
201818.14 undefined4.06 undefined
201716.78 undefined1.55 undefined
201616.24 undefined2.11 undefined
201515.82 undefined2 undefined
201417.09 undefined1.74 undefined
201314.75 undefined1.87 undefined
201214.93 undefined2.38 undefined
201115.55 undefined2.41 undefined
201017.28 undefined2.8 undefined
200916.71 undefined1.45 undefined
200817.43 undefined2.33 undefined
200716.8 undefined2.02 undefined
200614.82 undefined1.81 undefined
200513.27 undefined1.79 undefined
200413.39 undefined2.32 undefined

Chemung Financial business model

The Chemung Financial Corporation is a company that operates in the financial industry. It was founded in 1833 and is headquartered in Elmira, New York. The company specializes in providing financial services and is active in the areas of banking, real estate, and insurance. In the banking sector, Chemung Financial Corporation offers various products and services, including deposit accounts, credit cards, mortgage loans, loans, and investment advice. It operates a total of 34 branches in New York and Pennsylvania and has a workforce of over 500 employees. The company's history began in 1833 when the Chemung Canal Bank was founded to finance the transportation of goods on the Chemung Canal. In 1865, the bank received a federal banking license and was recognized as a national bank. In 1889, the bank was restructured as the Chemung Canal Trust Company. It was one of the first banks in New York to engage in trust business. Over time, the company expanded and in 2004, it added the name "Chemung Financial Corporation" as a holding company to the Chemung Canal Trust Company. They also acquired Capital Bank & Trust Co., which is now operated as a subsidiary. These acquisitions allowed the company to establish a strong customer base in the region. The Chemung Risk Management, Inc division is the real estate division of the company and offers asset management and investment advisory services. It specializes in fund management, private equity and fixed-income securities, stocks, and bonds. The real estate division serves multiple clients and invests in properties in New York and Florida. The Chemung Canal Trust Company offers various types of insurance, including life, health, auto, liability, and small business insurance. They prioritize personal service and provide customized insurance offerings tailored to individual customer needs. They also offer consultations and support for wealth planning. Chemung Financial Corporation has established itself as one of the reputable financial companies in the banking, real estate, and insurance industries. With their years of experience and expertise in these areas, the company provides outstanding service and reliable products. The company aims to continue its ongoing expansion to expand its customer base and strengthen its commitment to the financial industry. Chemung Financial is one of the most popular companies on Eulerpool.com.

Chemung Financial SWOT Analysis

Strengths

1. Established Reputation: Chemung Financial Corp has built a strong reputation in the financial industry over the years, gaining the trust of its customers and stakeholders.

2. Diverse Product Portfolio: The company offers a wide range of financial products and services, including banking, lending, wealth management, and insurance solutions, catering to various customer needs.

3. Strong Financial Position: Chemung Financial Corp maintains a robust financial position, with healthy profitability and solid financial ratios, providing stability and confidence to its investors.

Weaknesses

1. Limited Geographical Presence: The company primarily operates in a specific region, which may restrict its growth opportunities compared to national or global competitors.

2. Overreliance on Traditional Banking: Chemung Financial Corp's heavy reliance on traditional banking services leaves it susceptible to technological disruptions and changing customer preferences.

3. Increasing Regulatory Compliance: Like all financial institutions, Chemung Financial Corp faces the challenge of complying with evolving regulatory requirements, which can increase operational costs and complexity.

Opportunities

1. Market Expansion: Chemung Financial Corp can explore opportunities to expand its presence into new geographical areas and tap into untapped markets for further growth.

2. Digital Transformation: By embracing technology and digital innovation, the company can enhance its customer experience, streamline operations, and reach a wider customer base.

3. Strategic Partnerships: Collaborating with fintech companies or forming alliances with other financial institutions can provide Chemung Financial Corp with access to new technologies, expertise, and potential cross-selling opportunities.

Threats

1. Intense Competition: The financial industry is highly competitive, with both traditional banks and disruptive fintech startups vying for market share, posing a threat to Chemung Financial Corp's customer retention and acquisition.

2. Economic Volatility: Fluctuations in the economy, interest rates, and market conditions can impact Chemung Financial Corp's profitability, loan default rates, and investment portfolios.

3. Cybersecurity Risks: The increasing reliance on technology exposes the company to potential cyber threats, such as data breaches, hacking, and identity theft, which can harm its reputation and customer trust.

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Chemung Financial Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Chemung Financial historical P/E ratio, EBIT multiple, and P/S ratio

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Chemung Financial shares outstanding

The number of shares was Chemung Financial in 2023 — This indicates how many shares 4.732 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Chemung Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Chemung Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Chemung Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Chemung Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Chemung Financial stock splits

In Chemung Financial's history, there have been no stock splits.

Chemung Financial dividend history and estimates

In 2023, Chemung Financial paid a dividend amounting to 1.24 USD. Dividend means that Chemung Financial distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Chemung Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Chemung Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Chemung Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Chemung Financial Dividend History

DateChemung Financial Dividend
2026e1.41 undefined
2025e1.41 undefined
2024e1.41 undefined
20231.24 undefined
20221.24 undefined
20211.19 undefined
20201.04 undefined
20191.04 undefined
20181.04 undefined
20171.04 undefined
20161.04 undefined
20151.04 undefined
20141.04 undefined
20131.04 undefined
20121 undefined
20111 undefined
20101 undefined
20091.25 undefined
20080.75 undefined
20070.97 undefined
20060.96 undefined
20050.96 undefined
20040.93 undefined

Chemung Financial dividend payout ratio

In 2023, Chemung Financial had a payout ratio of 22.42%. The payout ratio indicates the percentage of the company's profits that Chemung Financial distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Chemung Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Chemung Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Chemung Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Chemung Financial Payout Ratio History

DateChemung Financial Payout ratio
2026e21.66 %
2025e21.3 %
2024e21.25 %
202322.42 %
202220.23 %
202121.1 %
202025.94 %
201932.4 %
201825.62 %
201767.53 %
201649.29 %
201552 %
201459.77 %
201355.61 %
201242.02 %
201141.67 %
201035.71 %
200986.21 %
200832.33 %
200748.02 %
200653.04 %
200553.63 %
200440.26 %
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Unfortunately, there are currently no price targets and forecasts available for Chemung Financial.

Chemung Financial latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20241.15 1.19  (3.7 %)2024 Q3
6/30/20241.14 1.05  (-7.93 %)2024 Q2
3/31/20241.06 1.48  (39.25 %)2024 Q1
12/31/20231.14 0.81  (-29.1 %)2023 Q4
9/30/20231.16 1.61  (39.27 %)2023 Q3
6/30/20231.24 1.33  (7.64 %)2023 Q2
3/31/20231.39 1.54  (10.42 %)2023 Q1
12/31/20221.5 1.58  (5.38 %)2022 Q4
9/30/20221.38 1.37  (-0.51 %)2022 Q3
6/30/20221.22 1.71  (40.6 %)2022 Q2
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Eulerpool ESG Scorecard© for the Chemung Financial stock

Eulerpool World ESG Rating (EESG©)

34/ 100

🌱 Environment

2

👫 Social

45

🏛️ Governance

57

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees72
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Chemung Financial shareholders

%
Name
Stocks
Change
Date
9.37910 % Fourthstone LLC446,44510,4366/30/2024
7.06160 % Chemung Canal Trust Company336,132-3,0499/30/2024
5.21630 % Dalrymple (Robert H)248,29610,3114/8/2024
4.24538 % BlackRock Institutional Trust Company, N.A.202,08012,0076/30/2024
4.09926 % The Vanguard Group, Inc.195,1256,7946/30/2024
2.77592 % Dimensional Fund Advisors, L.P.132,1345,5846/30/2024
1.57275 % Geode Capital Management, L.L.C.74,8631,5576/30/2024
1.41641 % Bridgeway Capital Management, LLC67,4215,9406/30/2024
1.16851 % Tomson (Anders M)55,6211,5944/8/2024
1.04155 % State Street Global Advisors (US)49,5784,9006/30/2024
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Chemung Financial Executives and Management Board

Mr. Anders Tomson(55)
Chemung Financial President, Chief Executive Officer, Director (since 2011)
Compensation 1.18 M
Mr. Karl Krebs(67)
Chemung Financial Chief Financial Officer, Treasurer; Executive Vice President, Chief Financial Officer and Treasurer of the Bank
Compensation 524,812
Mr. Peter Cosgrove(62)
Chemung Financial Executive Vice President, Chief Risk Officer, Chief Credit Officer
Compensation 484,236
Mr. Daniel Fariello(46)
Chemung Financial President of Capital Bank, a division of Chemung Canal Trust Company
Compensation 461,666
Mr. Loren Cole(50)
Chemung Financial Executive Vice President, Chief Information Officer
Compensation 453,853
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Most common questions regarding Chemung Financial

What values and corporate philosophy does Chemung Financial represent?

Chemung Financial Corp is an esteemed financial company that represents strong values and a clear corporate philosophy. With a commitment to excellence, integrity, and customer satisfaction, Chemung Financial Corp strives to meet the evolving needs of its clients. The company prioritizes building long-term relationships based on trust and providing personalized financial solutions. Chemung Financial Corp seeks to support the local communities it serves and cultivate an environment of trust, teamwork, and innovation. As a result, the company has garnered a reputation for delivering exceptional financial services while upholding its core values.

In which countries and regions is Chemung Financial primarily present?

Chemung Financial Corp is primarily present in the United States.

What significant milestones has the company Chemung Financial achieved?

Chemung Financial Corp has achieved several significant milestones in its history. One notable milestone was the acquisition of Capital Bank & Trust Co. in 2012, which expanded the company's presence and increased its assets. Moreover, in 2018, Chemung Financial Corp celebrated its 185th anniversary, demonstrating its longevity and stability in the financial industry. Additionally, the company has consistently ranked among the top-performing community banks in the nation. These milestones highlight Chemung Financial Corp's growth, strong reputation, and commitment to providing quality financial services to its customers.

What is the history and background of the company Chemung Financial?

Chemung Financial Corp is a financial holding company, primarily operating through its subsidiary, Chemung Canal Trust Company. Established in 1833 and headquartered in Elmira, New York, Chemung Financial Corp has a rich history and a deep-rooted background in providing banking and financial services to individuals and businesses in the region. The company has consistently focused on delivering personalized solutions, building strong relationships, and creating value for its customers. With a commitment to community and a comprehensive range of financial products and services, Chemung Financial Corp has established itself as a trusted name in the banking industry for over 180 years.

Who are the main competitors of Chemung Financial in the market?

The main competitors of Chemung Financial Corp in the market include financial institutions such as Community Bank System Inc., M&T Bank Corporation, and Tompkins Financial Corporation. These companies also operate in the same geographic regions as Chemung Financial Corp and offer similar banking and financial services. However, Chemung Financial Corp distinguishes itself with its strong community focus, personalized services, and commitment to local businesses and individuals.

In which industries is Chemung Financial primarily active?

Chemung Financial Corp is primarily active in the banking and financial services industry.

What is the business model of Chemung Financial?

Chemung Financial Corp is a financial holding company that operates through its subsidiary, Chemung Canal Trust Company. The company provides a wide range of banking and financial services to individuals, businesses, and municipalities in the regions of New York and Pennsylvania. Chemung Financial Corp offers traditional banking products such as loans, deposits, and insurance services. The company focuses on building lasting relationships with its customers and strives to be a trusted financial partner. Through its community-minded approach, Chemung Financial Corp aims to support local businesses and contribute to the economic growth of its market areas.

What is the P/E ratio of Chemung Financial 2024?

The Chemung Financial P/E ratio is 10.23.

What is the P/S ratio of Chemung Financial 2024?

The Chemung Financial P/S ratio is 2.48.

What is the Quality Investing of Chemung Financial?

The Quality Investing for Chemung Financial is 5/10.

What is the revenue of Chemung Financial 2024?

The expected Chemung Financial revenue is 98.17 M USD.

How high is the profit of Chemung Financial 2024?

The expected Chemung Financial profit is 23.84 M USD.

What is the business model of Chemung Financial

Chemung Financial Corp is a bank holding company based in New York that focuses on providing financial services to individuals, businesses, and nonprofit organizations. The company primarily operates two main business segments: the banking business and the wealth management business. The banking business includes a wide range of deposit, lending, trading, and other banking services for retail customers, small and medium-sized enterprises, and government institutions. These services include savings accounts, checking and current accounts, credit and lending, mortgages for personal and commercial purposes, online banking and mobile banking services, cash management and treasury services for businesses and government agencies. The wealth management business, operated under the name CFS* Wealth Management, offers a wide range of financial advisory and asset management services to individuals, foundations, and nonprofit organizations. These services include investment management and asset management, retirement and pension services, college savings and education planning, asset transfer, succession planning, and philanthropic support. Chemung Financial Corp is also a strong supporter of the community and is committed to local organizations and businesses through sponsorship, donations, and volunteer engagement. The company has been rooted in the region for over 150 years and has built a strong reputation for quality and excellent customer service. In today's digital world, Chemung Financial Corp places a strong focus on innovative technologies that enhance products and services and further improve the customer experience. This includes a mobile application that allows customers to manage their accounts from anywhere and an online platform where customers can receive financial advice and services directly from a bank financial advisor. With a strong commitment to the community, a solid banking and wealth management business, and continuous investment in technology and innovation, Chemung Financial Corp is well positioned for further growth and success. The answer should be in English.

What is the Chemung Financial dividend?

Chemung Financial pays a dividend of 1.24 USD distributed over payouts per year.

How often does Chemung Financial pay dividends?

The dividend cannot currently be calculated for Chemung Financial or the company does not pay out a dividend.

What is the Chemung Financial ISIN?

The ISIN of Chemung Financial is US1640241014.

What is the Chemung Financial WKN?

The WKN of Chemung Financial is A0YHJX.

What is the Chemung Financial ticker?

The ticker of Chemung Financial is CHMG.

How much dividend does Chemung Financial pay?

Over the past 12 months, Chemung Financial paid a dividend of 1.24 USD . This corresponds to a dividend yield of about 2.41 %. For the coming 12 months, Chemung Financial is expected to pay a dividend of 1.41 USD.

What is the dividend yield of Chemung Financial?

The current dividend yield of Chemung Financial is 2.41 %.

When does Chemung Financial pay dividends?

Chemung Financial pays a quarterly dividend. This is distributed in the months of January, April, July, October.

How secure is the dividend of Chemung Financial?

Chemung Financial paid dividends every year for the past 23 years.

What is the dividend of Chemung Financial?

For the upcoming 12 months, dividends amounting to 1.41 USD are expected. This corresponds to a dividend yield of 2.73 %.

In which sector is Chemung Financial located?

Chemung Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Chemung Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Chemung Financial from 10/1/2024 amounting to 0.31 USD, you needed to have the stock in your portfolio before the ex-date on 9/19/2024.

When did Chemung Financial pay the last dividend?

The last dividend was paid out on 10/1/2024.

What was the dividend of Chemung Financial in the year 2023?

In the year 2023, Chemung Financial distributed 1.24 USD as dividends.

In which currency does Chemung Financial pay out the dividend?

The dividends of Chemung Financial are distributed in USD.

All fundamentals about Chemung Financial

Our stock analysis for Chemung Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Chemung Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.