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Chemung Financial Corporation CHMG | NASDAQ

$80.81 -$0.53 | -0.65%
SIGNAL:Signal available — unlock to view |2026-09-24 |F&G 39 |RSI 39.8

Company Overview:

Market Cap: $392.87M
Trailing PE: 11.6x
FWD PE *: 10.4x
Payout Ratio (TTM): 19.5%
52-Week Range: $49.82 - $86.00

* Forward PE is based on street estimates.

10 Year CHMG Performance Metrics:

Total Return (with DRIP): 264.9% (13.82% CAGR)
Total Return (no DRIP): 218.7% (12.29% CAGR)
Share Price: 178.8% (10.80% CAGR)
Yield on Cost (with DRIP): 6.50%
Total Invested: $10,000
Total Value (with DRIP): $36,493
Total Return $ (with DRIP): $26,493
Dividend Increase: 30.8% (2.79% CAGR)
Dividend Yield (FWD): 1.78% ($1.44)
CHMG 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
CHMG Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
CHMG Price CAGR:1Y: 53.87%2Y: 29.72%5Y: 12.27%10Y: 10.80%
CHMG Dividend Charts
CHMG - Dividends
CHMG Dividend CAGR:1Y: 5.88%2Y: 7.76%5Y: 3.04%10Y: 3.31%
CHMG - Dividend Payout Ratio
CHMG Dividend Payout Ratio CAGR:1Y: 0.00%2Y: -20.63%5Y: 0.85%10Y: -9.68%
CHMG - Dividend to Free Cash Flow Ratio
CHMG Dividend to FCF Ratio CAGR:1Y: 12.61%2Y: -17.49%5Y: 6.51%10Y: -2.19%

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CHMG Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CHMG - Revenue
CHMG Revenue CAGR:1Y: 39.40%2Y: -8.62%5Y: 6.63%10Y: 5.49%
CHMG - Earnings Per Share (EPS)
CHMG EPS CAGR:1Y: 0.00%2Y: 31.66%5Y: 4.65%10Y: 13.79%
CHMG - Net Income
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CHMG Net Income CAGR:1Y: 0.00%2Y: 32.91%5Y: 5.33%10Y: 14.04%
CHMG - EBITDA
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CHMG EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CHMG - Free Cash Flow
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CHMG Free Cash Flow CAGR:1Y: -5.05%2Y: 27.85%5Y: -0.27%10Y: 5.31%
CHMG - Free Cash Flow / Share
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CHMG Free Cash Flow / Share CAGR:1Y: -5.48%2Y: 27.06%5Y: -0.88%10Y: 5.15%
CHMG - Operating Income
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CHMG Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CHMG - Gross Profit
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CHMG Gross Profit CAGR:1Y: -13.84%2Y: -42.12%5Y: -19.65%10Y: -8.43%
CHMG - Shares Outstanding
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CHMG Shares Outstanding CAGR:1Y: 0.62%2Y: 0.71%5Y: 0.65%10Y: 0.16%
CHMG - Share Buybacks
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CHMG Share Buybacks CAGR:1Y: 120.00%2Y: 0.00%5Y: -46.24%10Y: 0.00%
CHMG - Stock-Based Comp
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CHMG Stock-Based Comp CAGR:1Y: 11.53%2Y: 12.64%5Y: 34.78%10Y: 23.21%
CHMG - Expenses
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CHMG Expenses CAGR:1Y: -10.28%2Y: -43.70%5Y: 13.17%10Y: 0.38%
CHMG - Revenue vs Net Income
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CHMG - EPS vs FCF / Share
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CHMG - EPS vs PE Ratio
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CHMG - FCF vs FCF / Share
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CHMG - FCF vs Stock Based Comp
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CHMG - Cash & Debt
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CHMG - Revenue by Segment
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CHMG Revenue CAGR:1Y: 39.40%2Y: -8.62%5Y: 6.63%10Y: 5.49%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CHMG - REVENUE: Actual + Estimates
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CHMG Actual Revenue CAGR:1Y: 39.40%2Y: -8.62%5Y: 6.63%10Y: 5.49%
CHMG - EPS: Actual + Estimates
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CHMG Actual EPS CAGR:1Y: 0.00%2Y: 31.66%5Y: 4.65%10Y: 13.79%
CHMG - NET INCOME: Actual + Estimates
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CHMG Actual Net Income CAGR:1Y: 0.00%2Y: 32.91%5Y: 5.33%10Y: 14.04%
CHMG - EBITDA: Actual + Estimates
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CHMG Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

CHMG - Net Profit Margin
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CHMG Net Profit Margin CAGR:1Y: 0.00%2Y: 89.65%5Y: 9.84%10Y: 14.00%
CHMG - Gross Profit Margin
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CHMG Gross Profit Margin CAGR:1Y: 5.09%2Y: -17.42%5Y: -16.21%10Y: -8.46%
CHMG - Price to Earnings
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CHMG Price to Earnings CAGR:1Y: 0.00%2Y: -3.87%5Y: 6.06%10Y: -3.58%
CHMG - Price To Sales Ratio
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CHMG Price To Sales Ratio CAGR:1Y: 88.52%2Y: 82.12%5Y: 16.45%10Y: 9.89%
CHMG - Return on Capital Employed
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CHMG Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CHMG - Return on Invested Capital
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CHMG Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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CHMG Dividends Info:

Annual Dividend: $1.44
Forward Yield: 1.78%
Ex-Dividend Date: 2026-09-17
Lifetime Dividends / Share: $28.77

CHMG Dividend History: Dates, Payments & Yield list

Below is a schedule of all CHMG dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
09/17/202610/01/2026$0.3601.74%1.75%$82.38
06/17/202607/01/2026$0.3401.94%1.78%$76.28
03/18/202604/01/2026$0.3402.65%2.53%$53.67
12/19/202501/02/2026$0.3402.35%2.5%$54.50
09/17/202510/01/2025$0.3402.59%2.58%$52.75
06/17/202507/01/2025$0.3202.77%2.57%$49.79
03/18/202504/01/2025$0.3202.67%2.73%$46.95
12/19/202401/02/2025$0.3102.5%2.6%$47.61
09/19/202410/01/2024$0.3102.54%2.62%$47.27
06/17/202407/01/2024$0.3102.94%2.67%$46.36
03/15/202404/01/2024$0.3102.95%2.97%$41.81
12/18/202301/02/2024$0.3102.53%2.48%$49.94
09/15/202310/02/2023$0.3103.07%3.13%$39.61
06/16/202307/03/2023$0.3103.15%3.21%$38.57
03/17/202304/03/2023$0.3102.82%2.99%$41.45
12/19/202201/03/2023$0.3102.85%2.73%$45.42
09/16/202210/03/2022$0.3102.94%2.92%$42.41
06/16/202207/01/2022$0.3102.9%2.66%$46.68
03/17/202204/01/2022$0.3102.72%2.65%$46.83
12/17/202101/03/2022$0.3102.8%2.73%$45.45
09/16/202110/01/2021$0.3102.72%2.77%$44.74
06/16/202107/01/2021$0.3102.9%2.77%$44.78
03/17/202104/01/2021$0.2602.56%2.45%$42.49
12/18/202001/04/2021$0.2603%3.06%$33.99
09/16/202010/01/2020$0.2603.5%3.64%$28.57
06/16/202007/01/2020$0.2603.63%4.02%$25.84
03/17/202004/01/2020$0.2603.97%3.85%$27.00
12/20/201901/02/2020$0.2602.32%2.47%$42.07
09/16/201910/01/2019$0.2602.33%2.48%$42.00
06/14/201907/01/2019$0.2602.29%2.14%$48.65
03/15/201904/01/2019$0.2602.23%2.16%$48.11
12/18/201801/02/2019$0.2602.51%2.48%$41.91
09/14/201810/01/2018$0.2602.54%2.43%$42.75
06/15/201807/02/2018$0.2602.02%2.1%$49.49
03/16/201804/02/2018$0.2602.2%2.24%$46.43
12/18/201701/02/2018$0.2601.92%2.11%$49.26
09/15/201710/02/2017$0.2602.59%2.27%$45.90
06/15/201707/03/2017$0.2602.59%2.51%$41.37
03/16/201704/03/2017$0.2602.84%2.61%$39.90
12/16/201601/03/2017$0.2602.94%2.93%$35.50
09/15/201610/03/2016$0.2603.61%3.57%$29.12
06/15/201607/01/2016$0.2603.42%3.54%$29.38
03/16/201604/01/2016$0.2603.87%3.97%$26.20
12/16/201501/04/2016$0.2603.81%3.75%$27.75
09/15/201510/01/2015$0.2603.82%3.71%$28.03
06/15/201507/01/2015$0.2603.93%3.98%$26.10
03/13/201504/01/2015$0.2603.79%3.98%$26.11
12/17/201401/02/2015$0.2603.71%3.73%$27.85
09/15/201410/01/2014$0.2603.71%3.71%$28.00
06/13/201407/01/2014$0.2603.48%3.46%$30.10
03/13/201404/01/2014$0.2603.77%3.76%$27.65
12/17/201301/02/2014$0.2603.24%3.15%$33.06
09/13/201310/01/2013$0.2603.08%3.06%$34.01
06/13/201307/01/2013$0.2603.08%3.13%$33.22
03/14/201304/01/2013$0.2603.44%3.13%$33.25
12/13/201212/31/2012$0.2503.91%3.35%$29.89
09/13/201210/01/2012$0.2504.18%4.21%$23.77
06/13/201207/02/2012$0.2503.98%3.98%$25.15
03/14/201204/02/2012$0.2503.91%3.98%$25.10
12/14/201101/03/2012$0.2504.34%4.22%$23.69
09/14/201110/03/2011$0.2504.18%4.35%$23.00
06/15/201107/01/2011$0.2504.36%4.26%$23.50
03/16/201104/01/2011$0.2504.21%4.17%$24.00
12/15/201012/22/2010$0.2504.71%4.71%$21.25
09/15/201010/01/2010$0.2504.76%4.55%$22.00
06/15/201007/01/2010$0.2504.93%4.94%$20.25
03/26/201004/01/2010$0.2504.91%4.98%$20.09
12/24/200901/04/2010$0.2504.63%4.67%$21.40
09/15/200910/01/2009$0.2504.71%4.89%$20.45
06/15/200907/01/2009$0.2505.26%5.26%$19.00
03/13/200904/01/2009$0.2505.8%5.8%$17.25
09/15/200810/01/2008$0.2504.17%4.35%$23.00
06/13/200807/01/2008$0.2503.77%3.8%$26.30
03/13/200804/01/2008$0.2503.7%3.64%$27.50
12/13/200701/02/2008$0.2503.57%3.57%$28.00
09/13/200710/01/2007$0.2403.42%3.2%$30.00
06/15/200707/02/2007$0.2403.22%3.24%$29.60
03/15/200704/02/2007$0.2403%3.19%$30.05
12/14/200601/02/2007$0.2402.87%3%$32.05
06/15/200607/03/2006$0.2403.29%3.25%$29.50
03/16/200604/03/2006$0.2403.15%3.23%$29.75
12/15/200501/03/2006$0.2403.19%3.15%$30.50
09/29/200510/11/2005$0.2403.15%3.05%$31.50
06/23/200507/05/2005$0.2402.95%2.95%$32.50
03/23/200504/04/2005$0.2402.91%2.95%$32.50
12/22/200401/04/2005$0.2402.91%2.95%$32.50
09/23/200410/04/2004$0.2302.97%2.97%$31.00
06/24/200407/06/2004$0.2303.22%3.12%$29.45
03/25/200404/05/2004$0.2302.82%3.02%$30.50
12/18/200301/02/2004$0.2302.67%2.59%$35.50
09/18/200310/01/2003$0.2302.88%2.83%$32.50
06/19/200307/01/2003$0.2302.89%3.02%$30.50
03/20/200304/02/2003$0.2303.55%3.44%$26.75
12/19/200201/02/2003$0.2303.52%3.44%$26.76
09/19/200210/01/2002$0.2303.28%3.27%$28.12
06/20/200207/02/2002$0.2303.24%3.25%$28.30
03/20/200204/01/2002$0.2303.24%3.26%$28.25
12/19/200101/02/2002$0.2303.16%3.15%$29.25
09/19/200110/01/2001$0.2303.32%3.33%$27.60
06/20/200107/02/2001$0.2204%3.74%$23.50
03/21/200104/02/2001$0.2204.4%4.35%$20.25
12/20/200001/02/2001$0.2204.57%4.51%$19.50
09/20/200010/02/2000$0.2204.51%4.46%$19.75
06/21/200007/03/2000$0.2104.23%4.2%$20.00
03/17/200004/03/2000$0.2104.36%4.36%$19.25
12/17/199901/03/2000$0.2103.45%3.45%$24.38
09/15/199910/01/1999$0.1903.1%3.04%$25.00
06/17/199907/01/1999$0.1903.07%3.15%$24.13
03/17/199904/01/1999$0.1702.54%2.54%$26.75
01/05/200911/30/-0001$0.2504.76%4.76%$21.00
10/04/200611/30/-0001$0.2403.1%3.1%$31.00

Projected Future Returns & Dividends for CHMG

Based on past 10-year performance, here are CHMG growth metrics:

Share price CAGR of +10.8%
Dividend CAGR of +3.31%

Using CHMG CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

CHMG (DRIP)CHMG - No DRIP
Current Price$80.81$80.81
Start Shares123.75123.75
Start Value$10,000$10,000
  
After 10 years:
Final Share Count141.28123.75
Dividends Payment$0.50$0.50
Annual Dividends$282$247
Yield on cost2.82%2.47%
Share Price$225.26$225.26
Total Dividends$2,237$2,072
Final Value$31,824$29,947

Estimated Future Value + Dividends - CHMG

NOTE: Above numbers are our estimate based on CHMG's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Chemung Financial Corporation (CHMG) had its IPO on 1999-01-04, and is traded on NASDAQ stock exchange.

Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and fiduciary services. CFC offers a diverse array of deposit products, including demand, savings, and time accounts, alongside both interest-bearing and non-interest-bearing checking accounts, and insured money market accounts. The company's lending portfolio encompasses commercial and agricultural loans tailored for small to mid-sized businesses, commercial and residential mortgages, and various consumer loans, such as home equity lines of credit and home equity term loans. Beyond traditional banking, Chemung Financial extends financial solutions like interest rate swaps, letters of credit, wealth management, and support for employee benefit plans. They also facilitate access to mutual funds, various insurance products, brokerage services, and tax preparation services. Additionally, its trust and wealth services include guardian, custodian, and trustee roles. The corporation also acts as an agent for pension, profit-sharing, and other employee benefit trusts, while providing administrative support for investments, pensions, and estate planning. Operating through 31 branch locations, the company serves 13 counties in New York and Bradford County in Pennsylvania. Established in 1833, Chemung Financial Corporation is headquartered in Elmira, New York.

CHMG website: https://www.chemungcanal.com


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Loading signals…

DCF Model — CHMG

Value from:
Pay up to today
—
vs current price $80.81
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →