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Upturn AI SWOT - About
CHMG 
Chemung Financial Corp (CHMG)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $56.33
1 Year Target Price $56.33
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.47% | 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 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 232.21M USD | Price to earnings Ratio 10.18 | 1Y Target Price 56.33 |
Price to earnings Ratio 10.18 | 1Y Target Price 56.33 | ||
Volume (30-day avg) 3 | Beta 0.38 | 52 Weeks Range 40.43 - 54.66 | Updated Date 06/30/2025 |
52 Weeks Range 40.43 - 54.66 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.63% | Basic EPS (TTM) 4.76 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.55% | Operating Margin (TTM) 33.06% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 10.65% |
Valuation
Trailing PE 10.18 | Forward PE 9.29 | Enterprise Value 273052064 | Price to Sales(TTM) 2.41 |
Enterprise Value 273052064 | Price to Sales(TTM) 2.41 | ||
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - | Shares Outstanding 4790850 | Shares Floating 3162477 |
Shares Outstanding 4790850 | Shares Floating 3162477 | ||
Percent Insiders 13.68 | Percent Institutions 44.15 |
Analyst Ratings
Rating 2 | Target Price 56.33 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
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. Initially a state bank, it evolved into a financial services company, providing community banking and other financial services throughout Southern Tier New York and Northern Pennsylvania.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses.
- Wealth Management: Offers wealth management, trust, and investment services to individuals and institutions.
Leadership and Structure
The leadership team comprises a Board of Directors and executive management. The organizational structure includes retail banking, commercial lending, and wealth management divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share data is not readily available for this specific product. Competitors include larger regional and national banks like M&T Bank (MTB) and Citizens Financial Group (CFG).
- Residential Mortgages: Offers mortgage loans to individuals for home purchases. Market share data is not readily available for this specific product. Competitors include regional and national mortgage lenders.
- Wealth Management Services: Offers trust and investment management services. Competitors include national and regional wealth management firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Community banks like Chemung Financial Corp are focusing on personalized service and local market expertise.
Positioning
Chemung Financial Corp is positioned as a community-focused bank with a strong presence in its local markets. Its competitive advantage lies in its personalized service and deep understanding of the local economy.
Total Addressable Market (TAM)
The TAM for community banking in the regions Chemung serves (Southern Tier New York and Northern Pennsylvania) is estimated to be in the billions of dollars. Chemung Financial Corp captures a segment of this TAM through its branch network 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 larger competitors
- Dependence on traditional banking model
- Limited product diversification
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- Citzens Financial Group
Competitive Landscape
Chemung Financial Corp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local market expertise and personalized service.
Major Acquisitions
Capital Bank
- Year: 2016
- Acquisition Price (USD millions): 30
- Strategic Rationale: Expanded market share and customer base in the Southern Tier of New York.
Growth Trajectory and Initiatives
Historical Growth: Chemung Financial Corp's growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections are dependent on economic conditions, interest rates, and the company's ability to execute its strategic initiatives.
Recent Initiatives: Recent initiatives may include investments in digital banking technology, expansion of wealth management services, and branch network optimization.
Summary
Chemung Financial Corp is a community-focused bank with a strong local presence. Its strengths include established customer relationships and a conservative lending approach. However, it faces challenges from larger competitors and the evolving banking landscape, highlighting the need for strategic adaptations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and may be 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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