Chemung Financial Corp. (CHMG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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USCB Financial Holdings, Inc.

Chemung Financial Corp.

Why is Chemung Financial Corp. ?

High Profitability with a Net Interest Margin of 2.82%

Strong Long Term Fundamental Strength with a -4.76% CAGR growth in Net Profits

Positive results in Dec 25

OPERATING PROFIT(Q) Highest at USD 10.99 MM
OPERATING PROFIT MARGIN(Q) Highest at 32.13 %
NII(Q) Highest at USD 23.84 MM

With ROA of 0.35%, it has a expensive valuation with a 1.14 Price to Book Value

Over the past year, while the stock has generated a return of 13.23%, its profits have fallen by -36.3%

High Institutional Holdings at 48.88%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.56% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Chemung Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Chemung Financial Corp.

51.6%

0.79

30.72%

S&P 500

30.29%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.70%

EBIT Growth (5y)

-8.66%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

41.98%

Pledged Shares

Institutional Holding

48.88%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.14

EV to EBIT

20.20

EV to EBITDA

18.27

EV to Capital Employed

1.11

EV to Sales

2.74

PEG Ratio

Dividend Yield

1.63%

ROCE (Latest)

5.50%

ROE (Latest)

5.92%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

OPERATING PROFIT(Q)

Highest at USD 10.99 MM

OPERATING PROFIT MARGIN(Q)

Highest at 32.13 %

NII(Q)

Highest at USD 23.84 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 99.95%

NET SALES(Q)

Highest at USD 34.22 MM

PRE-TAX PROFIT(Q)

Highest at USD 10.99 MM

NET PROFIT(Q)

Highest at USD 7.74 MM

EPS(Q)

Highest at USD 1.61

-7What is not working for the Company

NET PROFIT(9M)

At USD 9.06 MM has Grown at -45.48%

OPERATING CASH FLOW(Y)

Lowest at USD 29.35 MM

Here's what is working for Chemung Financial Corp.

Operating Profit

Highest at USD 10.99 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 32.13 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

NII

Highest at USD 23.84 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 34.22 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 10.99 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 7.74 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.61

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 99.95%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Chemung Financial Corp.

Operating Cash Flow

Lowest at USD 29.35 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)