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 Very Positive results in Mar 26
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 47.62 MM
- OPERATING PROFIT(Q) Highest at USD 11.84 MM
- OPERATING PROFIT MARGIN(Q) Highest at 35.26 %
4
With ROA of 0.31%, it has a expensive valuation with a 1.15 Price to Book Value
- Over the past year, while the stock has generated a return of 51.03%, its profits have fallen by -36.3%
5
High Institutional Holdings at 49.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1% over the previous quarter.
6
Market Beating performance in long term as well as near term
- Along with generating 51.03% 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 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, High Return
Absolute
Risk Adjusted
Volatility
Chemung Financial Corp.
51.03%
2.17
29.74%
S&P 500
25.41%
1.92
13.25%
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 Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 47.62 MM
OPERATING PROFIT(Q)
Highest at USD 11.84 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.26 %
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(Q)
Highest at 0.33%
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 11.84 MM
NET PROFIT(Q)
Highest at USD 9.08 MM
EPS(Q)
Highest at USD 1.88
-1What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 18.06%
Here's what is working for Chemung Financial Corp.
Operating Cash Flow
Highest at USD 47.62 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)
Operating Profit
Highest at USD 11.84 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 35.26 % 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 0.33%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Credit Deposit Ratio
Highest at 0.33% and Grown
In each half year 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 (%)
Pre-Tax Profit
Highest at USD 11.84 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 11.84 MM has Grown at 54.04%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 9.08 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 9.08 MM has Grown at 50.79%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.88
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
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.
Dividend Payout Ratio
Lowest at 18.06%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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