Price (delayed)
$46.62
Market cap
$221.73M
P/E Ratio
9.44
Dividend/share
$1.24
EPS
$4.94
Enterprise value
$241.35M
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 13% YoY and by 2.1% QoQ
CHMG's debt has surged by 52% since the previous quarter and by 49% year-on-year
Chemung Financial's EPS has decreased by 15% YoY and by 5% from the previous quarter
Key stats
What are the main financial stats of CHMG
Market
Valuations
Earnings
Shares outstanding
4.76M
Market cap
$221.73M
Enterprise value
$241.35M
Price to earnings (P/E)
9.44
Price to book (P/B)
1.1
Price to sales (P/S)
2.34
EV/EBIT
8.13
EV/EBITDA
7.55
EV/Sales
2.54
Revenue
$95.11M
EBIT
$29.7M
EBITDA
$31.98M
Free cash flow
$26.37M
Per share
Balance sheet
Liquidity
EPS
$4.94
Free cash flow per share
$5.53
Book value per share
$42.34
Revenue per share
$19.94
TBVPS
$573.16
Total assets
$2.76B
Total liabilities
$2.55B
Debt
$89.84M
Equity
$201.22M
Working capital
N/A
Debt to equity
0.45
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.61
Margins
Efficiency
Dividend
EBITDA margin
33.6%
Gross margin
100%
Net margin
24.7%
Operating margin
31.2%
Return on assets
0.9%
Return on equity
12.3%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
31.2%
Dividend yield
2.66%
DPS
$1.24
Payout ratio
25.1%
CHMG stock price
How has the Chemung Financial stock price performed over time
Intraday
0.28%
1 week
-0.34%
1 month
6.2%
1 year
16.87%
YTD
-6.39%
QTD
-2.88%
Financial performance
How have Chemung Financial's revenue and profit performed over time
Revenue
$95.11M
Gross profit
$95.11M
Operating income
$29.7M
Net income
$23.49M
Gross margin
100%
Net margin
24.7%
CHMG's operating income is down by 15% year-on-year and by 5% since the previous quarter
The net income has declined by 14% year-on-year and by 5% since the previous quarter
CHMG's net margin is down by 13% year-on-year and by 3.9% since the previous quarter
The company's operating margin fell by 13% YoY and by 4% QoQ
Growth
What is Chemung Financial's growth rate over time
Valuation
What is Chemung Financial stock price valuation
P/E
9.44
P/B
1.1
P/S
2.34
EV/EBIT
8.13
EV/EBITDA
7.55
EV/Sales
2.54
Chemung Financial's EPS has decreased by 15% YoY and by 5% from the previous quarter
CHMG's price to earnings (P/E) is 11% higher than its last 4 quarters average of 8.5 and 8% higher than its 5-year quarterly average of 8.7
CHMG's equity is up by 13% YoY and by 2.1% QoQ
The P/B is 10% more than the 5-year quarterly average of 1.0
The stock's price to sales (P/S) is 6% more than its 5-year quarterly average of 2.2 and 6% more than its last 4 quarters average of 2.2
Efficiency
How efficient is Chemung Financial business performance
CHMG's ROE is down by 24% YoY and by 8% QoQ
Chemung Financial's return on invested capital has decreased by 15% YoY and by 8% QoQ
Chemung Financial's ROS has decreased by 13% YoY and by 4% from the previous quarter
The ROA has declined by 10% year-on-year
Dividends
What is CHMG's dividend history
DPS
$1.24
Dividend yield
2.66%
Payout ratio
25.1%
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 3% YoY
The company's total liabilities rose by 2.3% YoY
CHMG's debt is 55% smaller than its equity
CHMG's debt has surged by 52% since the previous quarter and by 49% year-on-year
Chemung Financial's debt to equity has soared by 50% from the previous quarter and by 32% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.