Chemung Financial CorpCHMG
Price$80.61Intrinsic value$51.5636% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $95.1M-2.2% YoYTTM through 30 Jun 2026
Net Income $33.5M+41.7% YoYTTM through 30 Jun 2026
Free Cash Flow $45.4MTTM through 30 Jun 2026

Margins

Current
Operating Margin21.0%
Net Margin35.3%

Returns

6.4%ROE
0.6%ROA
11.3%ROIC

Balance Sheet Health

Debt / Equity0.17x
Net Debt-$286.7Mnet cash position
Cash & Equivalents$73.1M

Quality Metrics

Piotroski F-Score4 / 9
FCF Margin47.7%
Earnings-Beat Rate50.0%

Multi-Year Trend

Diluted EPS$6.96TTM
'20'21'22'23'24'25
FY2025: $3.14

Dividend

$0.68Per share, FY20260.83%Yield-10.6%5-yr growth

Capital Allocation

Capex Intensity1.5%

Segment Performance

No segment data available.

All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.