ScoreWhy is Chemung Financial Corp. ?
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
- OPERATING PROFIT(Q) Highest at USD 8.69 MM
- OPERATING PROFIT MARGIN(Q) Highest at 26.3 %
- GROSS NPA (%)(Q) Lowest at 0.39%
3
With ROA of 0.51%, it has a fair valuation with a 1.11 Price to Book Value
- Over the past year, while the stock has generated a return of -0.93%, its profits have fallen by -8.6%
4
High Institutional Holdings at 48.13%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.38% over the previous quarter.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -0.93% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Chemung Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Chemung Financial Corp. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Chemung Financial Corp.
2.86%
0.65
31.77%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING PROFIT(Q)
Highest at USD 8.69 MM
OPERATING PROFIT MARGIN(Q)
Highest at 26.3 %
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 20.81 MM
CASH AND EQV(HY)
Highest at USD 67.92 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 33.03 MM
-18What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
PRE-TAX PROFIT(Q)
Lowest at USD -8.81 MM
NET PROFIT(Q)
Lowest at USD -6.36 MM
EPS(Q)
Lowest at USD -1.32
Here's what is working for Chemung Financial Corp.
Operating Profit
Highest at USD 8.69 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 26.3 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Non Performing Loans (%)
Lowest at 0.39%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 20.81 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 33.03 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 67.92 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Chemung Financial Corp.
Pre-Tax Profit
At USD -8.81 MM has Fallen at -240.73%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -6.36 MM has Fallen at -227.45%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Pre-Tax Profit
Lowest at USD -8.81 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -6.36 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -1.32
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Capital Adequacy Ratio
Lowest at 12%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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