CHMG Chemung Financial Corp
Price (delayed)
$42.51
Market cap
$203.58M
P/E Ratio
8.57
Dividend/share
$1.25
EPS
$4.96
Enterprise value
$275.06M
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
The company's revenue rose by 4.1% QoQ
The company's gross profit rose by 4.1% QoQ
CHMG's price to earnings (P/E) is 11% lower than its last 4 quarters average of 9.6 but 3.3% higher than its 5-year quarterly average of 8.3
The net income has grown by 10% since the previous quarter but it has declined by 5% year-on-year
CHMG's debt has surged by 191% year-on-year and by 99% since the previous quarter
Key stats
What are the main financial stats of CHMG
Market
Valuations
Earnings
Shares outstanding
4.79M
Market cap
$203.58M
Enterprise value
$275.06M
Price to earnings (P/E)
8.57
Price to book (P/B)
0.94
Price to sales (P/S)
2.08
EV/EBIT
9.14
EV/EBITDA
8.57
EV/Sales
2.83
Revenue
$97.34M
Gross profit
$97.34M
Operating income
$30.09M
Net income
$23.67M
EBIT
$30.09M
EBITDA
$32.1M
Free cash flow
$26.23M
Per share
Balance sheet
Liquidity
EPS
$4.96
EPS diluted
$4.96
Free cash flow per share
$5.5
Book value per share
$45.25
Revenue per share
$20.41
TBVPS
$577.43
Total assets
$2.78B
Total liabilities
$2.56B
Debt
$118.52M
Equity
$215.31M
Working capital
N/A
Debt to equity
0.55
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.23
Margins
Efficiency
Dividend
EBITDA margin
33%
Gross margin
100%
Net margin
24.3%
Operating margin
30.9%
Return on assets
0.9%
Return on equity
11.3%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
30.9%
Dividend yield
2.94%
DPS
$1.25
Payout ratio
25.2%
CHMG stock price
How has the Chemung Financial stock price performed over time
Intraday
0.35%
1 week
2.29%
1 month
-12.89%
1 year
6.81%
YTD
-12.91%
QTD
-10.64%
Financial performance
How have Chemung Financial's revenue and profit performed over time
Revenue
$97.34M
Gross profit
$97.34M
Operating income
$30.09M
Net income
$23.67M
Gross margin
100%
Net margin
24.3%
CHMG's operating income is up by 11% since the previous quarter but it is down by 4.5% year-on-year
The net income has grown by 10% since the previous quarter but it has declined by 5% year-on-year
CHMG's net margin is down by 7% year-on-year but it is up by 5% since the previous quarter
The company's operating margin rose by 6% QoQ but it fell by 6% YoY
Growth
What is Chemung Financial's growth rate over time
Valuation
What is Chemung Financial stock price valuation
P/E
8.57
P/B
0.94
P/S
2.08
EV/EBIT
9.14
EV/EBITDA
8.57
EV/Sales
2.83
CHMG's price to earnings (P/E) is 11% lower than its last 4 quarters average of 9.6 but 3.3% higher than its 5-year quarterly average of 8.3
Chemung Financial's EPS has increased by 10% from the previous quarter but it has decreased by 6% YoY
The P/B is 15% less than the last 4 quarters average of 1.1 and 6% less than the 5-year quarterly average of 1.0
CHMG's equity is up by 10% YoY but it is down by 2.4% QoQ
The stock's price to sales (P/S) is 10% less than its last 4 quarters average of 2.3 and 5% less than its 5-year quarterly average of 2.2
The company's revenue rose by 4.1% QoQ
Efficiency
How efficient is Chemung Financial business performance
CHMG's ROE is down by 19% YoY but it is up by 7% QoQ
The ROA rose by 13% since the previous quarter
Chemung Financial's return on invested capital has increased by 10% QoQ but it has decreased by 8% YoY
Chemung Financial's ROS has increased by 6% from the previous quarter but it has decreased by 6% YoY
Dividends
What is CHMG's dividend history
DPS
$1.25
Dividend yield
2.94%
Payout ratio
25.2%
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 8% more than the total liabilities
The total assets has grown by 2.4% YoY
CHMG's debt is 45% smaller than its equity
CHMG's debt has surged by 191% year-on-year and by 99% since the previous quarter
Chemung Financial's debt to equity has soared by 162% YoY and by 104% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.