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Chemung Financial Corporation CHMG | NASDAQ

$81.34 -$0.39 | -0.48%
SIGNAL:Signal available — unlock to view |2026-09-24 |F&G 39 |RSI 39.8

Company Overview:

Market Cap: $392.87M
Trailing PE: 11.7x
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): 267.3% (13.90% CAGR)
Total Return (no DRIP): 220.6% (12.35% CAGR)
Share Price: 180.6% (10.87% CAGR)
Yield on Cost (with DRIP): 6.50%
Total Invested: $10,000
Total Value (with DRIP): $36,732
Total Return $ (with DRIP): $26,732
Dividend Increase: 30.8% (2.79% CAGR)
Dividend Yield (FWD): 1.77% ($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: 54.37%2Y: 30.15%5Y: 12.62%10Y: 11.03%
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
CHMG Net Income CAGR:1Y: 0.00%2Y: 32.91%5Y: 5.33%10Y: 14.04%
CHMG - EBITDA
CHMG EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CHMG - Free Cash Flow
CHMG Free Cash Flow CAGR:1Y: -5.05%2Y: 27.85%5Y: -0.27%10Y: 5.31%
CHMG - Free Cash Flow / Share
CHMG Free Cash Flow / Share CAGR:1Y: -5.48%2Y: 27.06%5Y: -0.88%10Y: 5.15%
CHMG - Operating Income
CHMG Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CHMG - Gross Profit
CHMG Gross Profit CAGR:1Y: -13.84%2Y: -42.12%5Y: -19.65%10Y: -8.43%
CHMG - Shares Outstanding
CHMG Shares Outstanding CAGR:1Y: 0.62%2Y: 0.71%5Y: 0.65%10Y: 0.16%
CHMG - Share Buybacks
CHMG Share Buybacks CAGR:1Y: 120.00%2Y: 0.00%5Y: -46.24%10Y: 0.00%
CHMG - Stock-Based Comp
CHMG Stock-Based Comp CAGR:1Y: 11.53%2Y: 12.64%5Y: 34.78%10Y: 23.21%
CHMG - Expenses
CHMG Expenses CAGR:1Y: -10.28%2Y: -43.70%5Y: 13.17%10Y: 0.38%
CHMG - Revenue by Segment
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
CHMG Actual Revenue CAGR:1Y: 39.40%2Y: -8.62%5Y: 6.63%10Y: 5.49%
CHMG - EPS: Actual + Estimates
CHMG Actual EPS CAGR:1Y: 0.00%2Y: 31.66%5Y: 4.65%10Y: 13.79%
CHMG - NET INCOME: Actual + Estimates
CHMG Actual Net Income CAGR:1Y: 0.00%2Y: 32.91%5Y: 5.33%10Y: 14.04%
CHMG - EBITDA: Actual + Estimates
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
CHMG Net Profit Margin CAGR:1Y: 0.00%2Y: 89.65%5Y: 9.84%10Y: 14.00%
CHMG - Gross Profit Margin
CHMG Gross Profit Margin CAGR:1Y: 5.09%2Y: -17.42%5Y: -16.21%10Y: -8.46%
CHMG - Price to Earnings
CHMG Price to Earnings CAGR:1Y: 0.00%2Y: -3.87%5Y: 6.06%10Y: -3.58%
CHMG - Price To Sales Ratio
CHMG Price To Sales Ratio CAGR:1Y: 88.52%2Y: 82.12%5Y: 16.45%10Y: 9.89%
CHMG - Return on Capital Employed
CHMG Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CHMG - Return on Invested Capital
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: 1.77%
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 +11.03%
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$81.34$81.34
Start Shares122.94122.94
Start Value$10,000$10,000
  
After 10 years:
Final Share Count140.08122.94
Dividends Payment$0.50$0.50
Annual Dividends$279$245
Yield on cost2.79%2.45%
Share Price$231.58$231.58
Total Dividends$2,220$2,059
Final Value$32,440$30,529

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 $81.34
—
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 →