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CHMG Chemung Financial Corp
- Stocks
- Financial Services
- NASDAQ: CHMG
Price (delayed)
$46.03
Market cap
$220.5M
P/E Ratio
9.71
Dividend/share
$1.25
EPS
$4.74
Enterprise value
$261.28M
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 equity is up by 16% YoY and by 6% QoQ
CHMG's debt has surged by 59% year-on-year but it is down by 21% since the previous quarter
CHMG's price to earnings (P/E) is 17% higher than its 5-year quarterly average of 8.4 but 3% lower than its last 4 quarters average of 10.1
Chemung Financial's EPS has decreased by 9% YoY and by 4.4% from the previous quarter
The net income has declined by 9% year-on-year and by 4.3% since the previous quarter
Key stats
What are the main financial stats of CHMG
Market
Valuations
Earnings
Shares outstanding
4.79M
Market cap
$220.5M
Enterprise value
$261.28M
Price to earnings (P/E)
9.71
Price to book (P/B)
0.97
Price to sales (P/S)
2.29
EV/EBIT
9.11
EV/EBITDA
8.51
EV/Sales
2.72
Revenue
$96.16M
Gross profit
$96.16M
Operating income
$28.68M
Net income
$22.64M
EBIT
$28.68M
EBITDA
$30.7M
Free cash flow
$25.2M
Per share
Balance sheet
Liquidity
EPS
$4.74
EPS diluted
$4.74
Free cash flow per share
$5.26
Book value per share
$47.67
Revenue per share
$20.07
TBVPS
$579.19
Total assets
$2.8B
Total liabilities
$2.57B
Debt
$94.22M
Equity
$228.31M
Working capital
N/A
Debt to equity
0.41
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.33
Margins
Efficiency
Dividend
EBITDA margin
31.9%
Gross margin
100%
Net margin
23.5%
Operating margin
29.8%
Return on assets
0.8%
Return on equity
10.5%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29.8%
Dividend yield
2.72%
DPS
$1.25
Payout ratio
26.4%
CHMG stock price
How has the Chemung Financial stock price performed over time
Intraday
-0.95%
1 week
3%
1 month
2.56%
1 year
6.55%
YTD
-5.7%
QTD
-3.24%
Financial performance
How have Chemung Financial's revenue and profit performed over time
Revenue
$96.16M
Gross profit
$96.16M
Operating income
$28.68M
Net income
$22.64M
Gross margin
100%
Net margin
23.5%
The net income has declined by 9% year-on-year and by 4.3% since the previous quarter
CHMG's net margin is down by 9% year-on-year and by 3.3% since the previous quarter
The company's operating margin fell by 8% YoY and by 3.6% QoQ
CHMG's operating income is down by 8% year-on-year and by 4.7% since the previous quarter
Price vs fundamentals
How does CHMG's price correlate with its fundamentals
Growth
What is Chemung Financial's growth rate over time
Valuation
What is Chemung Financial stock price valuation
P/E
9.71
P/B
0.97
P/S
2.29
EV/EBIT
9.11
EV/EBITDA
8.51
EV/Sales
2.72
CHMG's price to earnings (P/E) is 17% higher than its 5-year quarterly average of 8.4 but 3% lower than its last 4 quarters average of 10.1
Chemung Financial's EPS has decreased by 9% YoY and by 4.4% from the previous quarter
CHMG's equity is up by 16% YoY and by 6% QoQ
The P/B is 12% less than the last 4 quarters average of 1.1 and 3% less than the 5-year quarterly average of 1.0
The stock's price to sales (P/S) is 5% more than its 5-year quarterly average of 2.2 but 3.3% less than its last 4 quarters average of 2.4
Efficiency
How efficient is Chemung Financial business performance
CHMG's ROE is down by 22% YoY and by 7% QoQ
Chemung Financial's return on invested capital has decreased by 17% YoY and by 9% QoQ
The ROA has declined by 11% since the previous quarter and by 11% year-on-year
Chemung Financial's ROS has decreased by 8% YoY and by 3.6% from the previous quarter
Dividends
What is CHMG's dividend history
DPS
$1.25
Dividend yield
2.72%
Payout ratio
26.4%
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
CHMG's debt is 59% smaller than its equity
CHMG's debt has surged by 59% year-on-year but it is down by 21% since the previous quarter
Chemung Financial's debt to equity has increased by 37% YoY but it has decreased by 25% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.