CHMG Chemung Financial Corp
Price (delayed)
$48
Market cap
$228.41M
P/E Ratio
10.62
Dividend/share
$1.24
EPS
$4.52
Enterprise value
$207.55M
Chemung Financial Corporation is a $2.2 billion financial services holding company headquartered in Elmira, New York and operates 32 retail offices through its principal subsidiary, Chemung Canal Trust Company, a
Highlights
CHMG's debt is down by 34% since the previous quarter
CHMG's equity is up by 30% YoY and by 10% QoQ
CHMG's price to earnings (P/E) is 26% higher than its 5-year quarterly average of 8.4 and 12% higher than its last 4 quarters average of 9.5
The net income has declined by 25% year-on-year and by 8% since the previous quarter
Key stats
What are the main financial stats of CHMG
Market
Valuations
Earnings
Shares outstanding
4.76M
Market cap
$228.41M
Enterprise value
$207.55M
Price to earnings (P/E)
10.62
Price to book (P/B)
1.03
Price to sales (P/S)
2.45
EV/EBIT
7.62
EV/EBITDA
7.09
EV/Sales
2.22
Revenue
$93.48M
Gross profit
$93.48M
Operating income
$27.23M
Net income
$21.56M
EBIT
$27.23M
EBITDA
$29.25M
Free cash flow
$25.53M
Per share
Balance sheet
Liquidity
EPS
$4.52
EPS diluted
$4.52
Free cash flow per share
$5.35
Book value per share
$46.39
Revenue per share
$19.58
TBVPS
$576.66
Total assets
$2.77B
Total liabilities
$2.55B
Debt
$59.58M
Equity
$220.65M
Working capital
N/A
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.71
Margins
Efficiency
Dividend
EBITDA margin
31.3%
Gross margin
100%
Net margin
23.1%
Operating margin
29.1%
Return on assets
0.8%
Return on equity
10.6%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29.1%
Dividend yield
2.58%
DPS
$1.24
Payout ratio
27.4%
CHMG stock price
How has the Chemung Financial stock price performed over time
Intraday
-1.15%
1 week
-3.13%
1 month
-6.52%
1 year
13.48%
YTD
-1.66%
QTD
-1.66%
Financial performance
How have Chemung Financial's revenue and profit performed over time
Revenue
$93.48M
Gross profit
$93.48M
Operating income
$27.23M
Net income
$21.56M
Gross margin
100%
Net margin
23.1%
The net income has declined by 25% year-on-year and by 8% since the previous quarter
CHMG's operating income is down by 25% year-on-year and by 8% since the previous quarter
CHMG's net margin is down by 20% year-on-year and by 6% since the previous quarter
The company's operating margin fell by 20% YoY and by 7% QoQ
Growth
What is Chemung Financial's growth rate over time
Valuation
What is Chemung Financial stock price valuation
P/E
10.62
P/B
1.03
P/S
2.45
EV/EBIT
7.62
EV/EBITDA
7.09
EV/Sales
2.22
CHMG's price to earnings (P/E) is 26% higher than its 5-year quarterly average of 8.4 and 12% higher than its last 4 quarters average of 9.5
Chemung Financial's EPS has decreased by 25% YoY and by 9% from the previous quarter
CHMG's equity is up by 30% YoY and by 10% QoQ
The P/B is 6% less than the last 4 quarters average of 1.1 but 3% more than the 5-year quarterly average of 1.0
The stock's price to sales (P/S) is 11% more than its 5-year quarterly average of 2.2 and 2.1% more than its last 4 quarters average of 2.4
The company's revenue fell by 6% YoY
Efficiency
How efficient is Chemung Financial business performance
CHMG's ROE is down by 36% YoY and by 14% QoQ
Chemung Financial's return on invested capital has decreased by 29% YoY and by 9% QoQ
The ROA has declined by 27% year-on-year and by 11% since the previous quarter
Chemung Financial's ROS has decreased by 20% YoY and by 7% from the previous quarter
Dividends
What is CHMG's dividend history
DPS
$1.24
Dividend yield
2.58%
Payout ratio
27.4%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Chemung Financial financials performed over time
The total assets is 9% more than the total liabilities
The total assets has grown by 2.5% YoY
CHMG's debt is 73% smaller than its equity
Chemung Financial's debt to equity has decreased by 40% from the previous quarter
CHMG's debt is down by 34% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.