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CHMG 
Chemung Financial Corp (CHMG)
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Upturn Advisory Summary
11/05/2025: CHMG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $60
1 Year Target Price $60
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.14% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 243.33M USD | Price to earnings Ratio 21.43 | 1Y Target Price 60 |
Price to earnings Ratio 21.43 | 1Y Target Price 60 | ||
Volume (30-day avg) 3 | Beta 0.5 | 52 Weeks Range 40.17 - 54.41 | Updated Date 11/7/2025 |
52 Weeks Range 40.17 - 54.41 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 2.56% | Basic EPS (TTM) 2.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 1.61 | Actual 1.62 |
Profitability
Profit Margin 15.33% | Operating Margin (TTM) 37.63% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 5.7% |
Valuation
Trailing PE 21.43 | Forward PE 9.29 | Enterprise Value 189411488 | Price to Sales(TTM) 2.81 |
Enterprise Value 189411488 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 4.24 | Enterprise Value to EBITDA - | Shares Outstanding 4790939 | Shares Floating 3154747 |
Shares Outstanding 4790939 | Shares Floating 3154747 | ||
Percent Insiders 14 | Percent Institutions 48.19 |
Upturn AI SWOT
Chemung Financial Corp
Company Overview
History and Background
Chemung Financial Corporation was founded in 1831 and is headquartered in Elmira, New York. It operates as the holding company for Chemung Canal Trust Company, a community bank offering a range of financial services.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans (commercial, residential, and consumer), and trust and investment services.
Leadership and Structure
Andria Costello Stender is the President and CEO. The company operates with a board of directors overseeing its strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, competing with other regional banks and national lenders. Market share data is not publicly available, but Chemung serves a specific geographic area.
- Residential Mortgages: Provides mortgage loans to individuals for home purchases and refinancing, facing competition from banks, credit unions, and mortgage companies. Market share data is not publicly available, but Chemung serves a specific geographic area.
- Trust and Investment Services: Offers wealth management and fiduciary services. Competitors include large national brokerage firms and regional investment advisors.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Chemung Financial Corp is positioned as a community bank focused on serving the needs of individuals and businesses in its local markets. Competitive advantage lies in its local knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM is the total banking market in the Southern Tier of New York and surrounding areas. Chemung is positioned to capture a portion of this market through its community banking model.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Diversified loan portfolio
- Strong customer relationships
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Potential interest rate sensitivity
Opportunities
- Expansion into new markets
- Development of new products and services
- Acquisitions of smaller banks or branches
- Increased technology adoption
Threats
- Competition from larger banks and credit unions
- Economic downturn
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- CNBKA
- HFWA
- WTFC
Competitive Landscape
Chemung Financial Corp competes with other regional and national banks. It differentiates itself through its local focus and customer service. Competitors may have wider geographic reach and greater financial resources.
Growth Trajectory and Initiatives
Historical Growth: Analyze Chemung Financial Corp's revenue and earnings growth over the past 5-10 years.
Future Projections: Obtain analyst estimates for Chemung Financial Corp's future revenue and earnings growth. These are easily found from trusted financial websites.
Recent Initiatives: Research any recent strategic initiatives undertaken by Chemung Financial Corp, such as acquisitions or new product launches.
Summary
Chemung Financial Corp is a community bank operating in a competitive industry. Its strengths lie in its local presence and customer relationships. It faces challenges from larger banks and economic uncertainty, requiring the company to capitalize on opportunities for strategic growth while managing risk. Recent initiatives could drive success or weakness.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Chemung Financial Corp's investor relations website
- SEC filings (10-K, 10-Q)
- Financial news websites (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share is estimated and may not reflect precise figures.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Chemung Financial Corp
Exchange NASDAQ | Headquaters Elmira, NY, United States | ||
IPO Launch date 1999-01-04 | President, CEO & Director Mr. Anders M. Tomson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 343 | Website https://www.chemungcanal.com |
Full time employees 343 | Website https://www.chemungcanal.com | ||
Chemung Financial Corporation operates as a bank 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 deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. Chemung Financial Corporation was founded in 1833 and is based in Elmira, New York.
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