ScoreWhy is Chemung Financial Corp. ?
1
High Profitability with a Net Interest Margin of 2.73%
2
Strong Long Term Fundamental Strength with a -4.76% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 26
- The company has declared positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 47.08 MM
- PRE-TAX PROFIT(Q) At USD 11.29 MM has Grown at 228.15%
- NET PROFIT(Q) At USD 8.69 MM has Grown at 236.69%
4
High Institutional Holdings at 53.48%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.6% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 54.19% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- 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, High Return
Absolute
Risk Adjusted
Volatility
Chemung Financial Corp.
54.19%
3.08
30.03%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.70%
EBIT Growth (5y)
-9.20%
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
41.98%
Pledged Shares
0
Institutional Holding
49.88%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.15
EV to EBIT
20.06
EV to EBITDA
17.38
EV to Capital Employed
1.12
EV to Sales
2.61
PEG Ratio
NA
Dividend Yield
2.18%
ROCE (Latest)
5.60%
ROE (Latest)
5.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 47.08 MM
PRE-TAX PROFIT(Q)
At USD 11.29 MM has Grown at 228.15%
NET PROFIT(Q)
At USD 8.69 MM has Grown at 236.69%
ROCE(HY)
Highest at 1.17%
NII(Q)
Highest at USD 24.67 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 100.14%
NET SALES(Q)
Highest at USD 34.89 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.17%
Here's what is working for Chemung Financial Corp.
Pre-Tax Profit
At USD 11.29 MM has Grown at 228.15%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 8.69 MM has Grown at 236.69%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 47.08 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
NII
Highest at USD 24.67 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 34.89 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 100.14%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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