CHMG Chemung Financial Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: CHMG

Price (delayed)

$39.41

Market cap

$187.22M

P/E Ratio

7.46

Dividend/share

$1.24

EPS

$5.28

Enterprise value

$191.17M

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 has dropped by 61% year-on-year
CHMG's equity is up by 17% YoY and by 15% QoQ
CHMG's price to earnings (P/E) is 15% lower than its 5-year quarterly average of 8.8 but 2.2% higher than its last 4 quarters average of 7.3
Chemung Financial's EPS has decreased by 14% YoY and by 13% from the previous quarter
The net income has declined by 13% year-on-year and by 13% since the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.chemungcanal.com
Peers: WTFC TMP MCBC CBU

Key stats

What are the main financial stats of CHMG
Market
Shares outstanding
4.75M
Market cap
$187.22M
Enterprise value
$191.17M
Valuations
Price to earnings (P/E)
7.46
Price to book (P/B)
0.95
Price to sales (P/S)
1.95
EV/EBIT
6.07
EV/EBITDA
5.57
EV/Sales
2
Earnings
Revenue
$95.74M
EBIT
$31.5M
EBITDA
$34.3M
Free cash flow
$30.42M
Per share
EPS
$5.28
Free cash flow per share
$6.43
Book value per share
$41.34
Revenue per share
$20.23
TBVPS
$568.2
Balance sheet
Total assets
$2.71B
Total liabilities
$2.52B
Debt
$40.8M
Equity
$195.24M
Working capital
N/A
Liquidity
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.12
Margins
EBITDA margin
35.8%
Gross margin
100%
Net margin
26.1%
Operating margin
32.9%
Efficiency
Return on assets
0.9%
Return on equity
13.9%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
32.9%
Dividend
Dividend yield
3.15%
DPS
$1.24
Payout ratio
23.5%

CHMG stock price

How has the Chemung Financial stock price performed over time
Intraday
-0.25%
1 week
-2.84%
1 month
-6.17%
1 year
-3.88%
YTD
-20.86%
QTD
-7.23%

Financial performance

How have Chemung Financial's revenue and profit performed over time
Revenue
$95.74M
Gross profit
$95.74M
Operating income
$31.5M
Net income
$25M
Gross margin
100%
Net margin
26.1%
CHMG's operating income is down by 15% year-on-year and by 13% since the previous quarter
The company's operating margin fell by 14% YoY and by 10% QoQ
The net income has declined by 13% year-on-year and by 13% since the previous quarter
CHMG's net margin is down by 13% year-on-year and by 9% since the previous quarter

Growth

What is Chemung Financial's growth rate over time

Valuation

What is Chemung Financial stock price valuation
P/E
7.46
P/B
0.95
P/S
1.95
EV/EBIT
6.07
EV/EBITDA
5.57
EV/Sales
2
CHMG's price to earnings (P/E) is 15% lower than its 5-year quarterly average of 8.8 but 2.2% higher than its last 4 quarters average of 7.3
Chemung Financial's EPS has decreased by 14% YoY and by 13% from the previous quarter
CHMG's equity is up by 17% YoY and by 15% QoQ
The P/B is 14% less than the 5-year quarterly average of 1.1 and 14% less than the last 4 quarters average of 1.1
The stock's price to sales (P/S) is 15% less than its 5-year quarterly average of 2.3 and 7% less than its last 4 quarters average of 2.1
The company's revenue fell by 3.8% QoQ

Efficiency

How efficient is Chemung Financial business performance
Chemung Financial's return on invested capital has decreased by 20% YoY and by 14% QoQ
CHMG's ROE is down by 18% YoY and by 16% QoQ
The ROA has declined by 18% since the previous quarter and by 18% year-on-year
Chemung Financial's ROS has decreased by 14% YoY and by 10% from the previous quarter

Dividends

What is CHMG's dividend history
Dividend details
DPS
$1.24
Dividend yield
3.15%
Payout ratio
23.5%
Recent dividends

Financial health

How did Chemung Financial financials performed over time
The total assets is 8% more than the total liabilities
The total assets has grown by 2.5% YoY
CHMG's debt is 79% smaller than its equity
Chemung Financial's debt to equity has plunged by 67% YoY
CHMG's debt has dropped by 61% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.