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Chemung Financial Corp
Chemung Financial Corp (CHMG) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Elmira, United States and has 348 employees. The company is worth $388.18M and trades at 11.6x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $95.1M in fiscal 2025, down 2.2% from the year before. Net income was $15.1M. The share price is 6.4% below its 52-week high of $86.00. It pays a dividend yielding 1.79%. 3 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Renaissance Technologies, at $4.53M. In that quarter, 2 of them opened or added to the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +69.7% over 5Y.
today you would have $1,986.64▲ +98.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $55.80 | $48.81 | $49.80 | $45.87 | $46.45 | $33.95 | $42.50 | $41.31 | $48.10 | $36.35 | $27.50 | $27.66 | $34.17 | $29.89 | $22.70 | $22.50 | $20.45 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 0.0% a year plus a 1.8% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 12.6 across this company’s own years on record.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividend growing 1.6% a year against a 7.0% required return, from the stock’s beta.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| FNLCFirst Bancorp, Inc | $34.37 | 10.2x | 1.3x | 4.42% | 13.54% | $387.77M |
| GUACBerto Acquisition Corp. II | $9.88 | — | 1.3x | 0.00% | — | $389.15M |
| TREELendingTree, Inc. | $27.56 | 2.1x | 1.2x | 0.00% | 82.78% | $386.93M |
| WENNWEN Acquisition Corp | $10.42 |
| 12.6x |
| 17.8x |
| 9.8x |
| 9.4x |
| 7.5x |
| 8.2x |
| 8.5x |
| 13.2x |
| 10.2x |
| 31.0x |
| 17.2x |
| 13.8x |
| 15.9x |
| 18.3x |
| 12.6x |
| 9.5x |
| 8.0x |
| 14.1x |
| P/S | 2.3x | 2.8x | 2.4x | 2.4x | 2.3x | 2.4x | 1.9x | 2.6x | 2.4x | 3.0x | 2.3x | 1.8x | 1.7x | 2.4x | 2.1x | 1.7x | 1.5x | 1.5x |
| P/B | 1.1x | 1.1x | 1.1x | 1.2x | 1.3x | 1.0x | 0.8x | 1.1x | 1.2x | 1.5x | 1.2x | 0.9x | 1.0x | 1.1x | 1.0x | 0.8x | 0.8x | 0.8x |
| EPS | $3.14 | $4.96 | $5.28 | $6.13 | $5.64 | $4.01 | $3.21 | $4.06 | $1.55 | $2.11 | $2.00 | $1.74 | $1.87 | $2.38 | $2.40 | $2.80 | $1.45 |
| Dividend yield | 2.86% | 2.37% | 2.54% | 2.49% | 2.70% | 2.56% | 3.06% | 2.45% | 2.52% | 2.16% | 2.86% | 3.78% | 3.76% | 3.04% | 3.35% | 4.41% | 4.44% | 6.11% |
| Payout | 41.67% | 42.04% | 25.00% | 23.48% | 20.23% | 21.10% | 25.94% | 32.40% | 25.62% | 67.10% | 49.29% | 52.00% | 59.77% | 55.61% | 42.02% | 41.67% | 35.71% | 86.21% |
| Profit margin | 17.21% | 15.88% | 24.33% | 25.25% | 30.10% | 29.54% | 22.92% | 19.35% | 23.49% | 9.59% | 13.65% | 13.27% | 10.69% | 13.49% | 17.21% | 17.17% | 18.65% | 10.71% |
| ROE | 8.41% | 5.93% | 10.99% | 12.80% | 17.30% | 12.50% | 9.65% | 8.55% | 11.89% | 4.96% | 6.98% | 6.87% | 6.10% | 6.30% | 8.41% | 8.37% | 10.37% | 5.81% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
6 methods answered, across 3 families.
Room for errors in the reported numbers.
+5.8% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| 34.7x |
| — |
| 0.00% |
| — |
| $390.95M |
| CZFSCitizens Financial Services Inc | $80.03 | 9.4x | 1.1x | 2.55% | 12.32% | $384.93M |
| RDAGRepublic Digital Acquisition Co | $10.44 | — | — | 0.00% | — | $391.5M |