Chemung Financial Corp
Research Chemung Financial Corp (CHMG) on Bullrun: valuation model: 12.5% overvalued, market cap USD 389.96M, P/E 11.8, dividend yield 1.7%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCHMG
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.5% overvalued
- Market capUSD 389.96M
- P/E11.8
- Dividend yield1.7%
- Financial periodQ2 2026
- RevenueUSD 30.72M
- Net incomeUSD 8.81M
- Free cash flowUSD 8.91M
Valuation Snapshot
Bullrun's latest valuation model marks Chemung Financial Corp as 12.5% overvalued; latest market cap is USD 389.96M; P/E is 11.8; dividend yield is 1.7%.
Peer valuation comparison
Latest P/E is 11.75x versus a Financial Services sector median of 13.41x (12.4% below).
Latest dividend yield is 1.72% versus a Financial Services sector median of 3.66% (52.9% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 93.95M | USD 15.10M | USD 43.81M | n/a | 3.14 | USD 50.10M | USD 139.52M | USD 254.71M |
| FY2024 | USD 96.11M | USD 23.67M | USD 26.19M | n/a | 4.96 | USD 47.04M | USD 118.52M | USD 215.31M |
| FY2023 | USD 97.96M | USD 25.00M | USD 30.42M | n/a | 5.28 | USD 36.85M | USD 40.80M | USD 195.24M |
| FY2022 | USD 94.61M | USD 28.78M | USD 34.62M | n/a | 6.13 | USD 55.87M | USD 105.76M | USD 166.39M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 389.96M | 11.8 | 1.7% | 1.38 |
| 2025 | 2025-12-31 | USD 268.34M | 17.8 | 2.4% | 1.32 |
| 2024 | 2024-12-31 | USD 232.87M | 9.8 | 2.5% | 1.24 |
| 2023 | 2023-12-29 | USD 235.19M | 8.2 | 2.5% | 1.24 |
| 2022 | 2022-12-30 | USD 214.58M | 7.7 | 2.7% | 1.24 |
| 2021 | 2021-12-31 | USD 217.08M | 8.2 | 2.6% | 1.19 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.38 USD, yield 1.7%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.32 USD |
| FY2024 | 1.24 USD |
| FY2023 | 1.24 USD |
| FY2022 | 1.24 USD |
About Chemung Financial Corp
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;
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Frequently asked questions
Is Chemung Financial Corp overvalued or undervalued?
Bullrun's valuation model currently marks Chemung Financial Corp as 12.5% overvalued.
What is Chemung Financial Corp's market cap?
Chemung Financial Corp's market capitalization is USD 389.96M.
What is Chemung Financial Corp's P/E ratio?
Chemung Financial Corp's price-to-earnings (P/E) ratio is 11.8.
Does Chemung Financial Corp pay a dividend?
Chemung Financial Corp has a dividend yield of 1.7%.
What does Chemung Financial Corp do?
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.