Chemung Financial Corporation (CHMG)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 83 | 88 | 95 | 98 | 96 | 94 | 97 | - |
| Operating profit | $m | 20 | 21 | ||||||
| Net profit | $m | 19 | 26 | 29 | 25 | 24 | 15 | 34 | 37 |
| EPS reported | $ | 3.13 | 6.94 | ||||||
| Operating cashflow per share | $ | 9.46 | 9.70 | ||||||
| Capex per share | $ | 0.35 | 0.30 | ||||||
| FCF per share | $ | 9.11 | 9.40 | ||||||
| Free cash flow | $m | 44 | 45 | ||||||
| Net debt | $m | -303 | -223 | ||||||
| Book value equity | $m | 255 | 270 | ||||||
| Book value per share | $ | 52.94 | 55.98 | ||||||
| Number of shares | m | 4.81 | 4.83 | ||||||
| DPS (TTM paid) | $ | 1.32 | 1.38 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 17.83 | 11.78 | ||||||
| P/B LTM | x | 1.05 | 0.99 | ||||||
| P/S LTM | x | 2.85 | 2.77 | ||||||
| P/FCF LTM | x | 6.13 | 5.91 | ||||||
| EV/EBITDA LTM | x | 11.09 | 10.82 | ||||||
| EV/Sales LTM | x | 1.79 | 3.45 | ||||||
| Earnings Yield LTM | % | +5.61% | +8.49% | ||||||
| FCF Yield | % | +16.32% | +16.91% | ||||||
| Quality | |||||||||
| ROE | % | +5.93% | +12.98% | ||||||
| ROIC | % | +3.44% | +3.50% | ||||||
| Operating margin | % | +14.25% | +15.20% | ||||||
| Gross margin | % | +64.19% | +67.54% | ||||||
| FCF/Sales | % | +31.31% | +32.76% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -36.90% | +39.92% | ||||||
| Sales Growth YoY | % | -1.92% | +0.69% | ||||||
| Net Income Growth YoY | % | -36.19% | +41.70% | ||||||
| FCF Growth | % | +67.29% | +73.32% | ||||||
| Operating Profit Growth | % | -33.73% | -30.00% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.36% | +1.60% | ||||||
| Dividend Growth | % | +6.45% | +11.29% | ||||||
| Payout Ratio | % | +42.00% | +19.55% | ||||||
| FCF/Debt | x | 8.87 | 0.32 | ||||||
| Net Debt/EBITDA | x | -0.79 | 2.99 | ||||||
| EBIT/Net interest | x | 0.44 | 0.50 | ||||||
| Net debt/market cap | % | 0.00% | +32.69% | ||||||
| Net debt/Equity | x | -1.19 | -0.83 | ||||||
| Gross debt/equity | x | 0.02 | 0.53 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Chemung Financial Corporation (CHMG)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.
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