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Chemung Financial Corporation(CHMG)Earnings, Financials & Key Ratios
CHMG•NASDAQ•Banking & Credit
$74.33
23.7× P/E·Price updated Jul 7, 2026
AboutChemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.Show more
- Net Interest Income$87M+17.7%
- Total Revenue$140M-6.5%
- Net Income$15M-36.2%
- Return on Equity6.43%-44.3%
- Net Interest Margin3.22%+20.5%
- Efficiency Ratio49.94%+13.1%
- ROA0.55%-36.2%
- Equity / Assets9.4%+21.2%
- Book Value per Share52.94+17.3%
CHMG Price & Volume
Chemung Financial Corporation (CHMG) stock price & volume — 10-year historical chart
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Stable Trust Revenue Offsets Margin Compression Pressures
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Net interest margin compression
Key Thesis Takeaways
- Chemung Financial Corporation maintains a conservative growth trajectory, leveraging its specialized trust-based business model to differentiate revenue streams in a competitive regional market.
- While the bank has successfully navigated interest rate volatility to achieve 19.0% year-over-year net interest income growth as of 2026Q1, persistent margin constraints at 0.9% suggest ongoing structural headwinds.
- Investors should monitor the bank's significant $2.9 billion investment securities portfolio, as its duration and classification may expose the institution to unrealized valuation risks in the current interest rate cycle.
Verdict Logic
while the forward P/E of 10.57 suggests potential value, the stagnant 0.9% net interest margin and reliance on a large, rate-sensitive securities portfolio warrant a cautious approach.
CHMG Growth Metrics
Chemung Financial Corporation (CHMG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.58%
5 Years10.01%
3 Years11.15%
TTM-
Profit CAGR
10 Years4.82%
5 Years-4.75%
3 Years-19.34%
TTM-19.27%
EPS CAGR
10 Years4.58%
5 Years-4.83%
3 Years-20.07%
TTM-20.42%
Return on Capital
10 Years11.11%
5 Years12.23%
3 Years10.23%
Last Year5.62%
CHMG Recent Earnings
Chemung Financial Corporation (CHMG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 17, 2026Metric
Actual
Est
EPS
$1.91+17.2%
$1.63
Rev
$30M+2.4%
$29M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$1.61
—
Rev
$41M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$1.61+0.6%
$1.60
Rev
$31M+3.5%
$29M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$1.62-3.6%
$1.68
Rev
$29M-3.3%
$29M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $1.91vs $1.63+17.2% | $30Mvs $29M+2.4% |
| Q2 2026 | Mar 13, 2026 | $1.61 | $41M |
| Q1 2026 | Jan 26, 2026 | $1.61vs $1.60+0.6% | $31Mvs $29M+3.5% |
| Q4 2025 | Oct 21, 2025 | $1.62vs $1.68-3.6% | $29Mvs $29M-3.3% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Chemung Financial Corporation (CHMG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $74.33 | $358.26M | 23.75 | -6.46% | 10.79% | 6.43% | 1.77% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $15.95 | $98.57M | -29.54 | -5.19% | -5.14% | -3.21% | — | |
| $80.00 | $260.35M | 9.65 | 11.78% | 14.94% | 11.03% | — | |
| $40.82 | $674.71M | 15.40 | 8.75% | 20.72% | 12.04% | — |
Compare CHMG vs Peers
Chemung Financial Corporation (CHMG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CHMG SEC Filings & Documents
Chemung Financial Corporation (CHMG) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CHMG Frequently Asked Questions
Chemung Financial Corporation (CHMG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Chemung Financial Corporation growing?
Chemung Financial Corporation (CHMG) saw revenue decline by 6.5% over the past year.
Is CHMG profitable?
Yes, Chemung Financial Corporation (CHMG) is profitable, generating $18.3M in net income for fiscal year 2025 (10.8% net margin).
Dividend & Returns
Does CHMG pay dividends?
Yes, Chemung Financial Corporation (CHMG) pays a dividend with a yield of 1.77%. This makes it attractive for income-focused investors.
What is CHMG's return on equity?
Chemung Financial Corporation (CHMG) has a return on equity (ROE) of 6.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Chemung Financial Corporation's net interest margin?
Chemung Financial Corporation (CHMG) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Chemung Financial Corporation's efficiency ratio?
Chemung Financial Corporation (CHMG) has an efficiency ratio of 49.9%. This is excellent, indicating strong cost control.