Stocks · Financial Services · Banks - Regional
Chemung Financial Corporation CHMG
$81.93 +1.64% Close, Oct 2, 2026 · NASDAQ · Market cap $394.9M
Strong growthStrong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $6.94, up 194.1% year over year.
- The stock is in an uptrend: above its 200-day average for 126 trading days, with the 50-day average above the 200-day.
- Operating margin widened to 15.2% from 10.0% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 33%
- EPS growth (TTM, YoY)Top 5%
- FCF growth (TTM, YoY)Top 29%
- Revenue growth, 3-year CAGRBottom 34%
- Revenue growth accelerationTop 14%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 37%
- Gross marginTop 44%
- Operating marginBottom 34%
- Cash conversion (OCF / net income)Top 34%
- Accruals (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Bottom 35%
- Interest coverBottom 26%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 28%
- EBITDA / enterprise valueBottom 41%
- Sales / enterprise valueBottom 47%
- P/E vs own 5-year history (lower is better)Bottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 5%
- 6-month returnTop 3%
- 1-year return vs S&P 500Top 5%
- Distance from 52-week highTop 22%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 46%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 23%
- Upside to consensus price targetBottom 36%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 33%
- Maximum drawdown, 3 yearsTop 40%
- Beta vs S&P 500 (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Bottom 35%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -5.2% | 2.2% | ↑ |
| EPS growth (YoY) | -20.4% | 194.1% | ↑ |
| Gross margin | 60.0% | 67.5% | ↑ |
| Operating margin | 10.0% | 15.2% | ↑ |
| FCF margin | 21.5% | 32.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.2% | -5.2% | ↑ | Bottom 33% |
| EPS growth (TTM, YoY) | 194.1% | -20.4% | ↑ | Top 5% |
| Gross margin | 67.5% | 60.0% | ↑ | Top 44% |
| Operating margin | 15.2% | 10.0% | ↑ | Bottom 34% |
| Net margin | 24.2% | 8.3% | ↑ | — |
| Free-cash-flow margin | 32.8% | 21.5% | ↑ | — |
| Return on invested capital | 3.5% | — | Top 37% | |
| Revenue growth, 3-year CAGR | 11.2% | — | Bottom 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.40×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.99×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.66%
- Net buyback yield (TTM)
- -0.02%
- Shareholder yield
- 1.64%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- +0.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +4.3%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $91.00
- Target vs current price
- +11.1%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 29%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +2.8% | -2.3% | +6.8% | +9.0% | — |
| Apr 17, 2026 | +17.2% | +5.9% | +11.8% | +12.6% | +26.1% |
| Jan 26, 2026 | +0.6% | +1.5% | +7.0% | -0.8% | +17.2% |
| Oct 21, 2025 | -3.6% | -1.1% | +1.2% | -1.2% | +11.0% |
| Jul 17, 2025 | +0.0% | +1.9% | +2.1% | +0.4% | -0.6% |
| Apr 18, 2025 | +3.3% | -0.9% | +1.8% | +13.6% | +23.0% |
| Jan 28, 2025 | +0.8% | +0.9% | +7.6% | +9.3% | -5.8% |
| Oct 22, 2024 | +5.3% | +0.0% | +0.1% | +8.5% | -0.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.82 | $1.77 | +2.8% | $31.2M |
| Apr 17, 2026 | $1.91 | $1.63 | +17.2% | $29.9M |
| Jan 26, 2026 | $1.61 | $1.60 | +0.6% | $30.5M |
| Oct 21, 2025 | $1.62 | $1.68 | -3.6% | $28.5M |
| Jul 17, 2025 | $1.31 | $1.31 | +0.0% | $22.3M |
| Apr 18, 2025 | $1.26 | $1.22 | +3.3% | $25.4M |
| Jan 28, 2025 | $1.24 | $1.23 | +0.8% | $25.5M |
| Oct 22, 2024 | $1.19 | $1.13 | +5.3% | $24.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 8.8× | 76th | Top 31% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 20.0× | — | — | Bottom 41% |
| EV / Sales | 3.35× | — | — | Bottom 47% |
| Free-cash-flow yield | 11.49% | — | — | Top 28% |
| Earnings yield | 8.47% | — | — | Top 31% |
P/E over the past five years
Range 5.6× – 20.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +55.3%
- Earnings per share growth (TTM)
- +194.1%
- Change in P/E multiple
- -42.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 126
- 50-day average slope (20 days)
- +3.9%
- 200-day average slope (20 days)
- +4.5%
- Distance from 50-day average
- -0.7%
- Distance from 200-day average
- +20.8%
- RSI (14)
- 48.7
- Relative volume
- 1.22×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 26.2%
- Volatility vs own 5-year history
- 54th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.54
- Correlation with S&P 500
- 0.31
- Current drawdown from 1-year high
- -3.9%
- Maximum drawdown, 3 years
- -26.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 6, 2023 | May 25, 2023 | -35.0% | 76 days | 384 days (Dec 4, 2024) |
| Dec 6, 2024 | Apr 11, 2025 | -26.1% | 85 days | 166 days (Dec 9, 2025) |
| Feb 9, 2026 | Mar 18, 2026 | -21.1% | 26 days | 22 days (Apr 20, 2026) |
| Dec 1, 2021 | Jun 22, 2022 | -15.4% | 139 days | 28 days (Aug 2, 2022) |
| Nov 10, 2020 | Dec 9, 2020 | -15.1% | 20 days | 58 days (Mar 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $394.9M
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $6.94
- Revenue (TTM)
- $138.6M
- Dividend yield
- 1.68%
- 52-week range
- $49.82 – $86.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $91.8M | $101.9M | $136.6M | $149.6M | $139.9M |
| Gross profit | $88.4M | $95.2M | $94.7M | $96.2M | $89.8M |
| Operating income | $33.8M | $36.9M | $31.5M | $30.1M | $19.9M |
| Net income | $26.4M | $28.8M | $25.0M | $23.7M | $15.1M |
| EPS (diluted) | $5.64 | $6.13 | $5.28 | $4.96 | $3.13 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $37.9M | $38.3M | $37.3M | $22.0M | $39.7M | $40.9M | $39.9M | $18.1M |
| Net income | $5.7M | $5.9M | $6.0M | -$6.5M | $7.8M | $7.7M | $9.2M | $8.8M |
| EPS (diluted) | $1.20 | $1.24 | $1.26 | -$1.34 | $1.60 | $1.61 | $1.91 | $1.82 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $35.5M | $35.0M | $30.9M | $29.8M | $45.5M |
| Capital expenditure | -$367,000 | -$426,000 | -$462,000 | -$3.6M | -$1.7M |
| Free cash flow | $35.1M | $34.6M | $30.4M | $26.2M | $43.8M |
| Dividends paid | -$5.3M | -$5.8M | -$5.8M | -$7.4M | -$6.3M |
| Net share buybacks | -$1.2M | -$509,000 | $285,000 | $86,000 | $140,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $357.0M
- Total assets
- $2.82B
- Total liabilities
- $2.55B
- Total debt
- $142.4M
- Net debt
- $69.3M
- Shareholders’ equity
- $270.4M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 17, 2026 | $0.36 | Oct 1, 2026 |
| Jun 17, 2026 | $0.34 | Jul 1, 2026 |
| Mar 18, 2026 | $0.34 | Apr 1, 2026 |
| Dec 19, 2025 | $0.34 | Jan 2, 2026 |
| Sep 17, 2025 | $0.34 | Oct 1, 2025 |
| Jun 17, 2025 | $0.32 | Jul 1, 2025 |
| Mar 18, 2025 | $0.32 | Apr 1, 2025 |
| Dec 19, 2024 | $0.31 | Jan 2, 2025 |
Short interest
- Shares sold short
- 146,225
- Days to cover
- 2.12
- Change vs previous report
- +44.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 3, 1998
- 2-for-1