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Upturn AI SWOT - About
CHMG 
Chemung Financial Corp (CHMG)
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Upturn Advisory Summary
09/16/2025: CHMG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $59.5
1 Year Target Price $59.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.41% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 251.24M USD | Price to earnings Ratio 22.41 | 1Y Target Price 59.5 |
Price to earnings Ratio 22.41 | 1Y Target Price 59.5 | ||
Volume (30-day avg) 3 | Beta 0.39 | 52 Weeks Range 40.43 - 54.77 | Updated Date 09/16/2025 |
52 Weeks Range 40.43 - 54.77 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.40% | Basic EPS (TTM) 2.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.56% | Operating Margin (TTM) -93.48% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 10.65% |
Valuation
Trailing PE 22.41 | Forward PE 9.29 | Enterprise Value 39354840 | Price to Sales(TTM) 3.04 |
Enterprise Value 39354840 | Price to Sales(TTM) 3.04 | ||
Enterprise Value to Revenue 4.25 | Enterprise Value to EBITDA - | Shares Outstanding 4790940 | Shares Floating 3315330 |
Shares Outstanding 4790940 | Shares Floating 3315330 | ||
Percent Insiders 13.99 | Percent Institutions 45.86 |
Upturn AI SWOT
Chemung Financial Corp
Company Overview
History and Background
Chemung Financial Corp was founded in 1831 and is headquartered in Elmira, New York. It operates as the bank holding company for Chemung Canal Trust Company, offering a range of banking and financial services. The company has grown organically and through strategic acquisitions to serve the Southern Tier and Central New York regions.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, trust, and estate planning services.
Leadership and Structure
Chemung Financial Corp is led by its CEO, Anders M. Tomson. The organizational structure consists of various departments and divisions overseeing banking operations, wealth management, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share data is not publicly available. Competitors include larger regional and national banks.
- Mortgage Lending: Provides loans to individuals for home purchases. Market share data is not publicly available. Competitors include larger regional and national banks and mortgage companies.
- Wealth Management Services: Offers comprehensive wealth management solutions, including financial planning, investment management, and trust services. Competitors include national firms such as Fidelity and Vanguard, as well as local wealth management firms. Revenue data is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing competition, regulatory scrutiny, and the impact of rising interest rates. Technological advancements and evolving customer preferences are also driving change.
Positioning
Chemung Financial Corp is a regional bank focusing on providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its deep understanding of the local market.
Total Addressable Market (TAM)
The total addressable market for community banking services in the Southern Tier and Central New York is estimated at multiple billions of dollars. Chemung Financial Corp is positioned to capture a portion of this market through its established presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Limited digital banking capabilities compared to competitors
Opportunities
- Expanding digital banking services
- Acquiring smaller community banks
- Increasing wealth management services
- Growing commercial lending portfolio
Threats
- Increased competition from larger banks
- Economic downturn in the region
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- BANC
- CNBKA
- ESSA
Competitive Landscape
Chemung Financial Corp faces competition from larger regional and national banks, as well as other community banks in the region. Its advantages include its local presence and customer relationships, while its disadvantages include its smaller scale and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends reflect the company's ability to expand its lending portfolio, attract deposits, and generate fee income. Growth has been steady but moderate.
Future Projections: Future growth projections depend on various factors, including economic conditions, competitive pressures, and the company's strategic initiatives. Analyst estimates may vary.
Recent Initiatives: Recent initiatives could include enhancing digital banking platforms, expanding into new markets, or launching new products and services.
Summary
Chemung Financial Corp is a well-established regional bank with a strong local presence. Its strengths lie in its customer relationships and conservative lending practices. Challenges include competition from larger banks and the need to adapt to changing technology. Overall it needs to innovate to keep up with the tech of other companies in the region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is not always publicly available and may be estimated. The analysis is based on publicly available information and is subject to change.
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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