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Upturn AI Summary - About
Chemung Financial Corp(CHMG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CHMG
09/25/2026: CHMG (3-star) is a REGULAR-BUY. BUY for 116 days. Simulated Profits (39.86%). Updated daily EoD!
Chemung Financial Corp is a stable regional banking organization with a long history in New York and Pennsylvania. The company is known for its conservative lending approach and a solid, diversified income stream that includes a significant wealth management department. Its primary growth opportunity lies in deepening its wealth management footprint and modernizing its digital service platform to better compete in the modern banking landscape. Primary risks include its geographic concentration, heightened regulatory costs, and competition from much larger, tech-heavy banking institutions. This stock is best suited for value and dividend-focused investors seeking stability rather than rapid capital appreciation; investors should monitor the company's digital integration progress.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on stable, steady returns rather than rapid, high-growth expansion. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and is not driven by short-term trading momentum. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its steady earnings and assets. |
| Dividend investor | Strong fit | A history of reliable dividend payments makes this a suitable pick for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative community banking model and strong local presence provide a relatively lower-risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock tends to be less volatile than the broader market due to its stable business model. |
| Valuation risk | Medium | Bank valuations are sensitive to interest rate expectations and the macro economic environment. |
| Competition risk (regional banking competition) | Medium / high | Competition from larger, more technologically advanced banks poses a constant threat to customer acquisition. |
| Business quality | Strong | The company's long operating history and focus on core banking indicate a solid, stable franchise. |
| Dividend income | Medium | While dividends are consistent, they are not intended for high-yield growth. |
| Execution risk | Medium | Integrating new technology while maintaining personal customer service is an ongoing operational challenge. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 65.49% | Avg. Invested days 57 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 395.36M USD | Price to earnings Ratio 11.78 | 1Y Target Price 84.67 |
Price to earnings Ratio 11.78 | 1Y Target Price 84.67 | ||
Volume (30-day avg) 62.8K shares | Beta 0.59 | 52 Weeks Range 48.77 - 85.63 | Updated Date 09/25/2026 |
52 Weeks Range 48.77 - 85.63 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 1.66% | Basic EPS (TTM) 6.96 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking & Lending | Interest income from commercial and consumer loans and residential mortgages. | The bank earns money primarily by lending customer deposits at higher rates than it pays to savers. |
| Wealth Management | Fees from trust services, investment advice, and retirement account management. | This provides a steady, non-interest-based stream of fee income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.78 | Forward PE 9.29 | Enterprise Value 464.69M | Price to Sales(TTM) 3.38 |
Enterprise Value 464.69M | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 4.82M | Shares Floating 3.21M |
Shares Outstanding 4.82M | Shares Floating 3.21M | ||
Percent Insiders 18.07 | Percent Institutions 51.08 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Chemung Financial Corp
Exchange NASDAQ | Headquarters 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 348 | Website https://www.chemungcanal.com |
Full time employees 348 | 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. The company was founded in 1833 and is based in Elmira, New York.
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