CHMG

Chemung Financial Corp Financials State Commercial Banks Russell 3000

$86.27Close $458.1MMarket cap $79.18 – $87.6052-week range Late-januaryNext report · estimated

Highlights

Strengths

Tight base near its pivot pullbacks 8% → 6%; 4.1% above its $82.87 pivot

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026

Off 12-month high 2%

1wk 2.8% price change

1mo 6.7% price change

12-month return 4% total, dividends included

F-score — — Not assessed

Altman Z — Unknown

P/E 30.3× price / earnings

PEG — P/E / EPS growth

P/B 1.8× price / book

Earnings yield — EBIT / enterprise value

Cheaper than — of the market · not assessed

Revenue growth 2% year on year

EPS growth — latest quarter

Sales growth 209% latest quarter · +192 pts

ROE 6% return on equity

Free cash margin —

D/E 0.51 long-term debt / equity

Net debt / EBITDA —

Interest cover —EBIT / interest

Trade setup

ATR% 2.2% $1.88 a day · 2×ATR $82.52

RS — vs the universe

Trend — trend template

Relative volume 1.5× vs 50-day average

Up/down volume 0.85 50 sessions

Implied move — no scheduled report

Contractions 2 8% → 6%

Pivot $82.87 4.1% above

Volume dry-up 1.0× 10 vs 50 sessions

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged

Revenue shrinking Revenue fell 2.2% over the year, from $97.3M to $95.1M.

Last reported Oct 22, 2026

Results reaction Oct 22, 2026+4% vs market2 sessions after results

Financials

6 fiscal years · from filings

Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $95.1M -2% on FY2024

Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $15.1M -36% on FY2024

Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology

Net 16%

Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology

Cash
Long-term debt

Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 5.31m +0.0% since FY2020

	FY2020Dec 31, 2020	FY2021Dec 31, 2021	FY2022Dec 31, 2022	FY2023Dec 31, 2023	FY2024Dec 31, 2024	FY2025Dec 31, 2025
Revenue	$84.0M	$89.5M	$95.6M	$99.0M	$97.3M	$95.1M
Net income	$19.3M	$26.4M	$28.8M	$25.0M	$23.7M	$15.1M
Net margin	23%	30%	30%	25%	24%	16%
Earnings per share	$4.01	$5.64	$6.13	$5.28	$4.96	$3.14
Cash	$108.5M	$27.0M	$55.9M	$36.8M	$47.0M	$50.1M
Long-term debt	—	—	—	—	—	$131.1M
Shareholders' equity	$199.7M	$211.5M	$166.4M	$195.2M	$215.3M	$254.7M
Shares outstanding	5.31m	5.31m	5.31m	5.31m	5.31m	5.31m

Filings

SEC EDGAR

Filed	Report	Period to	Lag
Aug 6, 2026	Quarterly ↗	Jun 30, 2026	37d
May 7, 2026	Quarterly ↗	Mar 31, 2026	37d
Mar 13, 2026	Annual ↗	Dec 31, 2025	72d
Nov 6, 2025	Quarterly ↗	Sep 30, 2025	37d
Aug 7, 2025	Quarterly ↗	Jun 30, 2025	38d
May 7, 2025	Quarterly ↗	Mar 31, 2025	37d
Mar 14, 2025	Annual ↗	Dec 31, 2024	73d
Nov 7, 2024	Quarterly ↗	Sep 30, 2024	38d
Aug 7, 2024	Quarterly ↗	Jun 30, 2024	38d
May 8, 2024	Quarterly ↗	Mar 31, 2024	38d
Mar 13, 2024	Annual ↗	Dec 31, 2023	73d
Nov 9, 2023	Quarterly ↗	Sep 30, 2023	40d

Current reports

Filed	Disclosed
Oct 22, 2026	Results ↗
Oct 1, 2026	Other events ↗
Aug 19, 2026	Other events ↗
Jul 27, 2026	Regulation FD ↗
Jul 22, 2026	Results ↗
Jun 2, 2026	Shareholder vote ↗
May 21, 2026	Other events ↗
May 8, 2026	Regulation FD ↗
Apr 17, 2026	Results ↗
Apr 7, 2026	Other events ↗
Feb 17, 2026	Other events ↗
Feb 2, 2026	Regulation FD ↗