CHEMUNG FINANCIAL CORP(NASDAQ:CHMG) stock Fundamental Analysis

Fundamental Rating

CHMG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. While CHMG seems to be doing ok healthwise, there are quite some concerns on its profitability. CHMG is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

CHMG had positive earnings in the past year.

CHMG had a positive operating cash flow in the past year.

CHMG had positive earnings in each of the past 5 years.

Of the past 5 years CHMG 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.78%, CHMG is in line with its industry, outperforming 46.29% of the companies in the same industry.

CHMG has a better Return On Equity (9.77%) than 66.58% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.78%
ROE	9.77%
ROIC	N/A

ROA(3y)0.95%

ROA(5y)0.96%

ROE(3y)13.7%

ROE(5y)12.65%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CHMG's Profit Margin of 22.65% is in line compared to the rest of the industry. CHMG outperforms 50.49% of its industry peers.

CHMG's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for CHMG so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22.65%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.27%

PM growth 5Y4.69%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CHMG does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CHMG has more shares outstanding

The number of shares outstanding for CHMG has been reduced compared to 5 years ago.

Compared to 1 year ago, CHMG has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of CHMG is 0.15, which is an excellent value as it means it would take CHMG, only 0.15 years of fcf income to pay off all of its debts.

CHMG has a Debt to FCF ratio of 0.15. This is amongst the best in the industry. CHMG outperforms 88.86% of its industry peers.

A Debt/Equity ratio of 0.02 indicates that CHMG is not too dependend on debt financing.

CHMG has a better Debt to Equity ratio (0.02) than 86.14% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.15
Altman-Z	N/A

ROIC/WACCN/A

WACC16.4%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CHMG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.24%.

CHMG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.09% yearly.

CHMG shows a decrease in Revenue. In the last year, the revenue decreased by -1.75%.

The Revenue has been growing slightly by 3.81% on average over the past years.

EPS 1Y (TTM)-6.24%

EPS 3Y-4.19%

EPS 5Y9.09%

EPS Q2Q%53.09%

Revenue 1Y (TTM)-1.75%

Revenue growth 3Y2.84%

Revenue growth 5Y3.81%

Sales Q2Q%8.87%

3.2 Future

The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.

The Revenue is expected to grow by 10.43% on average over the next years. This is quite good.

EPS Next Y10.05%

EPS Next 2Y13.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.3%

Revenue Next 2Y10.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.08, which indicates a very decent valuation of CHMG.

Based on the Price/Earnings ratio, CHMG is valued a bit cheaper than the industry average as 76.98% of the companies are valued more expensively.

CHMG is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

CHMG is valuated reasonably with a Price/Forward Earnings ratio of 9.16.

Based on the Price/Forward Earnings ratio, CHMG is valued a bit cheaper than 77.72% of the companies in the same industry.

CHMG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	10.08
Fwd PE	9.16

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CHMG is valued a bit cheaper than 70.54% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.35
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as CHMG's earnings are expected to grow with 13.16% in the coming years.

PEG (NY)1

PEG (5Y)1.11

EPS Next 2Y13.16%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.58%, CHMG has a reasonable but not impressive dividend return.

CHMG's Dividend Yield is slightly below the industry average, which is at 3.37.

CHMG's Dividend Yield is comparable with the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	2.58%

5.2 History

The dividend of CHMG has a limited annual growth rate of 3.63%.

CHMG has paid a dividend for at least 10 years, which is a reliable track record.

CHMG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)3.63%

Div Incr Years0

Div Non Decr Years13

5.3 Sustainability

CHMG pays out 34.09% of its income as dividend. This is a sustainable payout ratio.

The dividend of CHMG is growing, but earnings are growing more, so the dividend growth is sustainable.

DP34.09%

EPS Next 2Y13.16%

EPS Next 3YN/A

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CHEMUNG FINANCIAL CORP

NASDAQ:CHMG (3/7/2025, 4:30:00 PM)

49.98

+0.43 (+0.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)04-16 2025-04-16/amc

Inst Owners42.76%

Inst Owner Change5.9%

Ins Owners11.72%

Ins Owner Change3.42%

Market Cap238.40M

Analysts80

Price Target59.5 (19.05%)

Short Float %0.34%

Short Ratio1.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.58%

Yearly Dividend1.24

Dividend Growth(5Y)3.63%

DP34.09%

Div Incr Years0

Div Non Decr Years13

Ex-Date03-18 2025-03-18 (0.32)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-2.11%

Min EPS beat(2)-7.92%

Max EPS beat(2)3.7%

EPS beat(4)2

Avg EPS beat(4)1.48%

Min EPS beat(4)-29.1%

Max EPS beat(4)39.25%

EPS beat(8)6

Avg EPS beat(8)8.58%

EPS beat(12)9

Avg EPS beat(12)11.08%

EPS beat(16)13

Avg EPS beat(16)12.36%

Revenue beat(2)0

Avg Revenue beat(2)-3.47%

Min Revenue beat(2)-4.88%

Max Revenue beat(2)-2.06%

Revenue beat(4)1

Avg Revenue beat(4)-3.09%

Min Revenue beat(4)-5.66%

Max Revenue beat(4)0.24%

Revenue beat(8)3

Avg Revenue beat(8)-0.49%

Revenue beat(12)4

Avg Revenue beat(12)-0.51%

Revenue beat(16)7

Avg Revenue beat(16)-0.74%

PT rev (1m)2.34%

PT rev (3m)8.02%

EPS NQ rev (1m)1.52%

EPS NQ rev (3m)1.52%

EPS NY rev (1m)1.7%

EPS NY rev (3m)1.01%

Revenue NQ rev (1m)0.53%

Revenue NQ rev (3m)0.53%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.5%

Valuation

		Industry Rank	Sector Rank
PE	10.08
Fwd PE	9.16
P/S	2.5
P/FCF	9.35
P/OCF	8.76
P/B	1.08
P/tB	1.2
EV/EBITDA	N/A

EPS(TTM)4.96

EY9.92%

EPS(NY)5.46

Fwd EY10.92%

FCF(TTM)5.34

FCFY10.69%

OCF(TTM)5.7

OCFY11.41%

SpS19.95

BVpS46.26

TBVpS41.68

PEG (NY)1

PEG (5Y)1.11

Profitability

		Industry Rank	Sector Rank
ROA	0.78%
ROE	9.77%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.65%
GM	N/A
FCFM	26.78%

ROA(3y)0.95%

ROA(5y)0.96%

ROE(3y)13.7%

ROE(5y)12.65%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.27%

PM growth 5Y4.69%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.15
Debt/EBITDA	N/A
Cap/Depr	93.39%
Cap/Sales	1.8%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	118.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC16.4%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-6.24%

EPS 3Y-4.19%

EPS 5Y9.09%

EPS Q2Q%53.09%

EPS Next Y10.05%

EPS Next 2Y13.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.75%

Revenue growth 3Y2.84%

Revenue growth 5Y3.81%

Sales Q2Q%8.87%

Revenue Next Year12.3%

Revenue Next 2Y10.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-12.64%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-8.17%

OCF growth 3YN/A

OCF growth 5YN/A

CHEMUNG FINANCIAL CORP (CHMG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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