Chemung Financial Corp.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US1640241014
USD
53.59
1.29 (2.47%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

10.05 k

Shareholding (Mar 2025)

FII

2.29%

Held by 24 FIIs

DII

80.86%

Held by 17 DIIs

Promoter

0.00%

How big is Chemung Financial Corp.?

22-Jun-2025

As of Jun 18, Chemung Financial Corp. has a market capitalization of 251.40 million and total assets of 2,776.15 million. The company reported interest earned of 128.05 million and a net profit of 22.64 million over the latest four quarters.

As of Jun 18, Chemung Financial Corp. has a market capitalization of 251.40 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 128.05 million and a net profit of 22.64 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 215.31 million and total assets at 2,776.15 million.

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What does Chemung Financial Corp. do?

22-Jun-2025

Chemung Financial Corporation is a micro-cap bank holding company in the Regional Banks industry, with recent net sales of $32 million and a net profit of $6 million. It has a market cap of $251.40 million, a P/E ratio of 11.00, and a dividend yield of 1.77%.

Overview:<BR>Chemung Financial Corporation is a bank holding company that operates in the Regional Banks industry and falls within the micro-cap market bracket.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 32 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 6 Million (Quarterly Results - Mar 2025)<BR>Market cap: USD 251.40 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00<BR>Dividend Yield: 1.77%<BR>Debt Equity: 0.00<BR>Return on Equity: 9.92%<BR>Price to Book: 1.10<BR><BR>Contact Details:<BR>Address: 1 Chemung Canal Plz, PO Box 1522 ELMIRA NY : 14902-1522<BR>Tel: ['1 607 7373711', '1 607 7373746']

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Should I buy, sell or hold Chemung Financial Corp.?

22-Jun-2025

Who are in the management team of Chemung Financial Corp.?

22-Jun-2025

As of March 2022, the management team of Chemung Financial Corp. includes David Dalrymple (Independent Chairman), Anders Tomson (President & CEO), and directors Ronald Bentley, Richard Forrestel, Jeffrey Streeter, Larry Becker, and David Buicko. They oversee the company's strategic direction and operations.

As of March 2022, the management team of Chemung Financial Corp. includes the following individuals:<BR><BR>- Mr. David Dalrymple, Independent Chairman of the Board<BR>- Mr. Anders Tomson, President, Chief Executive Officer, Director<BR>- Mr. Ronald Bentley, Director<BR>- Mr. Richard Forrestel, Director<BR>- Mr. Jeffrey Streeter, Director<BR>- Mr. Larry Becker, Independent Director<BR>- Mr. David Buicko, Independent Director<BR><BR>This team is responsible for guiding the company's strategic direction and operations.

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Is Chemung Financial Corp. technically bullish or bearish?

20-Sep-2025

As of August 22, 2025, Chemung Financial Corp. has a bullish technical trend supported by strong MACD readings and moving averages, despite some mixed signals from KST and Dow Theory, with a recent 7.04% return outpacing the S&P 500's 2.33% over the past month.

As of 22 August 2025, the technical trend for Chemung Financial Corp. has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view, including bullish MACD readings on both weekly and monthly time frames, and a bullish daily moving average. The Bollinger Bands are also indicating a bullish trend on the weekly basis and mildly bullish on the monthly. However, the KST shows a mildly bearish stance monthly, and Dow Theory indicates a mildly bearish weekly trend. <BR><BR>In terms of performance, Chemung Financial Corp. has returned 7.04% over the past month compared to the S&P 500's 2.33%, but it has underperformed over longer periods, with a 1Y return of 13.76% versus the S&P 500's 17.14%. Overall, the current technical stance is bullish, driven primarily by the MACD and moving averages.

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Is Chemung Financial Corp. overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, Chemung Financial Corp. is considered expensive and overvalued with a P/E ratio of 11, underperforming the S&P 500 with a year-to-date return of 2.52% compared to 13.30%.

As of 17 October 2025, the valuation grade for Chemung Financial Corp. has moved from very expensive to expensive, indicating a shift towards a less extreme valuation but still suggesting overvaluation. The company appears to be overvalued based on its current metrics, with a P/E ratio of 11, a Price to Book Value of 1.11, and an EV to EBITDA of 8.98. In comparison, Bank7 Corp. has a more attractive P/E ratio of 10.50, while Bankwell Financial Group, Inc. shows an expensive valuation with a P/E of 17.22.<BR><BR>Recent stock performance highlights that Chemung Financial Corp. has underperformed relative to the S&P 500, with a year-to-date return of 2.52% compared to the S&P 500's 13.30%. This trend reinforces the view that the stock may be overvalued given its lackluster performance against a strong market backdrop.

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iScoreScore
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Strong Sell
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Dashboard
1

Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

  • A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2

Positive results in Jun 25

3

With ROA of 0.51%, it has a fair valuation with a 1.11 Price to Book Value

4

High Institutional Holdings at 48.13%

5

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 289 Million (Micro Cap)

stock-summary
P/E

11.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

1.54%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

4.81%

stock-summary
Price to Book

1.23

Revenue and Profits:
Net Sales:
33 Million
(Quarterly Results - Jun 2025)
Net Profit:
-6 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
0.49%
0%
0.49%
6 Months
14.41%
0%
14.41%
1 Year
2.86%
0%
2.86%
2 Years
15.4%
0%
15.4%
3 Years
14.39%
0%
14.39%
4 Years
16.5%
0%
16.5%
5 Years
57.16%
0%
57.16%

Chemung Financial Corp. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
14.31%
EBIT Growth (5y)
-11.37%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
24.99%
Pledged Shares
0
Institutional Holding
48.13%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.11
EV to EBIT
9.87
EV to EBITDA
8.98
EV to Capital Employed
1.11
EV to Sales
2.01
PEG Ratio
NA
Dividend Yield
1.73%
ROCE (Latest)
11.24%
ROE (Latest)
9.92%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 23 Schemes (16.85%)

Foreign Institutions

Held by 24 Foreign Institutions (2.29%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Chemung Financial Corp. stock-summary
stock-summary
Chemung Financial Corp.
Regional Banks
Chemung Financial Corporation is a bank holding company. The Company, through its subsidiaries, Chemung Canal Trust Company (the Bank) and CFS Group, Inc. (CFS), provides a range of banking, financing, fiduciary and other financial services to its clients. The Company manages its operations through two segments: core banking and Wealth Management Group (WMG). The core banking segment receives deposits from the general public and uses such funds to originate consumer, commercial, commercial real estate and residential mortgage loans, mainly in its local markets and to invest in securities. The WMG services segment provides trust and investment advisory services to clients. The Company's financial services include 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.
Company Coordinates stock-summary
Company Details
1 Chemung Canal Plz, PO Box 1522 ELMIRA NY : 14902-1522
stock-summary
Tel: 1 607 73737111 607 7373746
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Registrar Details