Chemung Financial Corporation
CHMG
NASDAQ·Financial Services·Banks - Regional·Mkt cap $408.9M
$84.84
▲ +0.32%
P/E
12.22
Mkt Cap
$408.9M
52-Wk Range
$49.82–$85.22
52-Week Range
$49.82 - $85.22
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 59.4% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 190+ year operating history and strong community presence in upstate New York
- Diversified revenue streams across lending, deposits, wealth management, and insurance
- Established local market relationships and deep knowledge of regional business landscape
- Full-service financial institution capabilities reducing customer need to use multiple providers
- Conservative underwriting standards and experienced management team
Bear Case
1 risk
- Low volatility (beta 0.6).
Growth
Strong growth ahead
Expansion of wealth management and fiduciary services to higher-margin revenue streams
Value
Valued in line with Commercial Banking peers (0.9x).
Momentum
Strong
+18.8% over 3m
Quality
Excellent
Emerging growth company (57% revenue growth). Early stage with higher risk.
Dividend
Modest
1.60% yield
Smart-money signal
Who's buying CHMG right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 20, 2026
JUL 22, 2026
Reported EPS of $1.82 vs $1.77 consensus (+2.8% surprise). Revenue of $31.2M vs $30.5M expected (+2.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+2.8%
Revenue trend · last 8Q
—
—
+8%
-58%
+19%
+20%
+57%
-507%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$24.0M
$25.5M
$25.4M
$9.8M
$39.7M
$40.9M
$39.9M
-$39.9M
Margins · last 8Q
Gross
73.4%
Operating
29.7%
Profit
—
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Raymond James · Sep 1, 2026
vs Industry
How CHMG stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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