Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
CHMG 
Chemung Financial Corp (CHMG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: 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 19.07% | Avg. Invested days 39 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 258.33M USD | Price to earnings Ratio 23.04 | 1Y Target Price 59.5 |
Price to earnings Ratio 23.04 | 1Y Target Price 59.5 | ||
Volume (30-day avg) 3 | Beta 0.4 | 52 Weeks Range 40.43 - 54.66 | Updated Date 08/29/2025 |
52 Weeks Range 40.43 - 54.66 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.33% | 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 23.04 | Forward PE 9.29 | Enterprise Value 47307800 | Price to Sales(TTM) 3.13 |
Enterprise Value 47307800 | Price to Sales(TTM) 3.13 | ||
Enterprise Value to Revenue 4.34 | Enterprise Value to EBITDA - | Shares Outstanding 4790940 | Shares Floating 3315330 |
Shares Outstanding 4790940 | Shares Floating 3315330 | ||
Percent Insiders 13.99 | Percent Institutions 44.71 |
Upturn AI SWOT
Chemung Financial Corp
Company Overview
History and Background
Chemung Financial Corporation was founded in 1831 as Chemung Canal Trust Company. Over time, it has expanded its operations through organic growth and acquisitions, evolving into a diversified financial services provider in the upstate New York region.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals and businesses, including deposit accounts, loans, and wealth management.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical of a community bank, with departments overseeing various banking functions and reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and real estate. Market share data specific to commercial lending in the Chemung region is not readily available publicly. Competitors include larger regional and national banks.
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share information is not easily accessible. Competitors include national mortgage lenders and credit unions.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share information is not easily accessible. Competitors include national banks, regional banks, and credit unions.
Market Dynamics
Industry Overview
The community banking industry is facing increasing competition from larger banks and fintech companies. Interest rate fluctuations and regulatory changes also impact profitability. Consolidation within the industry is common.
Positioning
Chemung Financial Corp is a regional player, focusing on serving the needs of its local communities. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The total addressable market consists of the banking and wealth management needs of individuals and businesses in the upstate New York region. Chemung Financial Corp is positioned to capture a portion of this TAM through its local presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Long-standing customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Lower brand awareness
Opportunities
- Expanding into new markets within upstate New York
- Investing in digital banking technologies
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- SNBC
- CNYI
- MSFG
Competitive Landscape
Chemung Financial Corp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its strengths lie in its local market knowledge and customer relationships, while its weaknesses include its smaller scale and limited geographic reach.
Major Acquisitions
Elmira Savings Bank
- Year: 2017
- Acquisition Price (USD millions): 77.1
- Strategic Rationale: Expanded Chemung Financial Corp's market share in the Elmira, NY region and strengthened its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady but moderate, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in existing markets, growth in wealth management, and potential acquisitions. Analyst estimates vary depending on market conditions and company performance.
Recent Initiatives: Recent initiatives may include investments in digital banking, branch expansions, and new product offerings.
Summary
Chemung Financial Corp is a stable community bank with a long history. Its local market presence and customer relationships are key strengths. However, it faces challenges from larger competitors and needs to invest in digital banking to remain competitive and should also continue to keep a close eye on rising interest rates in the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Industry reports
- Analyst estimates
- SEC.gov
- Yahoo Finance
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Actual financial performance may vary.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.