Stocktoria
CHEMUNG FINANCIAL CORP CHMG
CHEMUNG FINANCIAL CORP (CHMG) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.74% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CHMG | CHEMUNG FINANCIAL CORP | 3/9 | — | 24.1 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About CHEMUNG FINANCIAL CORP
Chemung Financial Corporation operates as a bank 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 deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.
FAQ
Is CHMG financially healthy?
CHEMUNG FINANCIAL CORP's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does CHMG pay a dividend, and is it safe?
Yes. CHEMUNG FINANCIAL CORP pays a dividend yielding about 1.74% with a 41.9% payout ratio, rated “moderate” for safety.
How profitable is CHMG?
In FY2025, CHEMUNG FINANCIAL CORP had a return on equity of 5.9%.
Is CHMG overvalued or undervalued?
CHEMUNG FINANCIAL CORP trades at about 26.5× trailing earnings — above its 10-year norm (10-year range 8.1×–19.4×, median 8.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CHMG?
The average Wall-Street price target for CHEMUNG FINANCIAL CORP is $70.25, about 15.5% below the recent price, from 2 analysts.
Is CHMG a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CHEMUNG FINANCIAL CORP: a Piotroski F-score of 3/9, a P/E of about 24.1×, a dividend yield of 1.74%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.