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CHEMUNG FINANCIAL CORP CHMG

Nasdaq · stock · State Commercial Banks · website · IPO 1994-03-21

CHEMUNG FINANCIAL CORP statistics & valuation

Market cap$364.3M
P / E24.1×
P / B1.4×
P / FCF8.3×
Dividend yield1.74%
Return on equity5.9%
Graham number -26.4%$61.20

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($61.20); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.00% 5.00% 11.90% 8.50% 9.60% 12.50% 17.30% 12.80% 11.00% 5.90% 2016201720182019202020212022202320242025
Shares outstanding
4.8M 4.7M 4.7M 4.7M 4.8M 4.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.40% 1.10% 0.90% 0.80% 1.10% 1.10% 0.90% 0.90% 0.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$4.01 $5.64 $6.13 $5.28 $4.96 $3.14 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CHEMUNG FINANCIAL CORP trades at about 26.5× earnings — above its 10-year norm (10-year range 8.1×–19.4×, median 8.8×).

8.1× 26.5×

Shaded band = 10-year range (8.1×–19.4×); dot = today's 26.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.6%0.9%0.9%1.1%1.1%0.8%0.9%1.1%0.4%0.6%
Return on equity5.9%11.0%12.8%17.3%12.5%9.6%8.5%11.9%5.0%7.0%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.