Chemung Financial Corporation (CHMG) is a Financials stock trading at $82.66 (as of 2026-08-21), with a market capitalization of $398.54M and a trailing P/E of 11.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
Chemung Financial Corporation operates a bank (through Chemung Canal Trust Company) that takes deposits and makes commercial, agricultural, mortgage, and consumer loans, and also provides banking, financing, fiduciary, and other financial services to customers.
A bank's profit is driven by the difference between what it earns on loans and other financial assets and what it costs for funding and operating expenses, with credit costs reflected through provisions and the allowance for credit losses.
| CFS | $0.0B |
Business quality (Solid): Latest-quarter data provided shows revenue of 0.0B and an operating margin of 35.3, and it includes limited segment detail (only CFS Group, Inc. Revenue). Credit quality and funding-related KPIs are available.
Valuation: At 19× earnings, CHMG trades 51% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $82.66 |
| Market Cap | $398.54M |
| P/E Ratio | 11.9 |
| EV / EBITDA | 7.1 |
| Price / Book | 1.47 |
| Price / Sales | 2.92 |
| FCF Yield | 11.4% |
| DCF Value (model) | $44.60 |
| DCF Upside vs Price | -46.0% |
| Revenue (TTM) | $132.84M |
| Net Margin | 11.4% |
| Revenue Growth (YoY) | 5.6% |
| EPS Growth (YoY) | -234.8% |
| FCF Growth (YoY) | -5.1% |
| Stock P/E | 11.9 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -21.3% |
| vs Industry | -8.4% |
| Top Institutional Holder | BlackRock, Inc. ($19.47M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Anders Tomson |
| Employees | 343 |
| Country | US |
| IPO Date | 1999-01-04 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.