📊 CHMG Key Takeaways
Is Chemung Financial Corp. (CHMG) a Good Investment?
Chemung Financial Corp demonstrates solid revenue growth of 52.4% YoY with healthy free cash flow generation (33% FCF margin), but profitability has deteriorated significantly with net income declining 36.2% YoY and ROE/ROA metrics remaining subdued at 5.9% and 0.6% respectively. The weak interest coverage ratio of 1.5x and elevated long-term debt position present financial stress concerns that offset the positive topline momentum.
CHEMUNG FINANCIAL CORP shows solid top-line growth and positive cash generation, but the quality of that growth is weakened by a sharp decline in net income and diluted EPS. Profitability remains modest for a bank, with low ROE and ROA plus thin interest coverage, suggesting fundamentals are stable but not strong enough to support a more aggressive rating.
Why Buy Chemung Financial Corp. Stock? CHMG Key Strengths
- Strong revenue growth of 52.4% YoY indicating business expansion
- Excellent free cash flow generation at $43.8M with 33% FCF margin
- Conservative leverage profile with debt-to-equity ratio of 0.39x
- Substantial asset base of $2.7B providing operational scale
- Revenue grew 52.4% year over year, showing strong business expansion
- Balance sheet leverage appears manageable with debt-to-equity of 0.39x
- Operating cash flow and free cash flow are strong relative to reported revenue
CHMG Stock Risks: Chemung Financial Corp. Investment Risks
- Significant net income decline of 36.2% YoY raising profitability concerns
- Weak interest coverage ratio of 1.5x indicating limited debt servicing capacity
- Depressed return metrics with ROE of 5.9% and ROA of 0.6% suggesting inefficient asset deployment
- High insider activity with 44 Form 4 filings in 90 days requiring monitoring for potential insider concerns
- Net income fell 36.2% year over year despite revenue growth, indicating margin pressure or weaker earnings quality
- ROE of 5.9% and ROA of 0.6% point to below-average profitability
- Interest coverage of 1.5x suggests limited earnings cushion against funding and interest-cost pressure
Key Metrics to Watch
- Net profit margin trend and return to positive YoY growth
- Interest coverage ratio improvement above 2.0x threshold
- Return on equity recovery toward industry benchmarks of 8-12%
- Loan loss provisions and asset quality indicators given banking sector classification
- Net interest margin and operating margin trend
- ROE/ROA recovery alongside EPS growth
Chemung Financial Corp. (CHMG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 33.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CHMG Profit Margin, ROE & Profitability Analysis
CHMG vs Finance Sector: How Chemung Financial Corp. Compares
How Chemung Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Chemung Financial Corp. Stock Overvalued? CHMG Valuation Analysis 2026
Based on fundamental analysis, Chemung Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Chemung Financial Corp. Balance Sheet: CHMG Debt, Cash & Liquidity
CHMG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Chemung Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $4.96 reflects profitable operations.
CHMG Revenue Growth, EPS Growth & YoY Performance
Chemung Financial Corp. Dividends, Buybacks & Capital Allocation
CHMG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Chemung Financial Corp. (CIK: 0000763563)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CHMG
What is the AI rating for CHMG?
Chemung Financial Corp. (CHMG) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CHMG's key strengths?
Claude: Strong revenue growth of 52.4% YoY indicating business expansion. Excellent free cash flow generation at $43.8M with 33% FCF margin. ChatGPT: Revenue grew 52.4% year over year, showing strong business expansion. Balance sheet leverage appears manageable with debt-to-equity of 0.39x.
What are the risks of investing in CHMG?
Claude: Significant net income decline of 36.2% YoY raising profitability concerns. Weak interest coverage ratio of 1.5x indicating limited debt servicing capacity. ChatGPT: Net income fell 36.2% year over year despite revenue growth, indicating margin pressure or weaker earnings quality. ROE of 5.9% and ROA of 0.6% point to below-average profitability.
What is CHMG's revenue and growth?
Chemung Financial Corp. reported revenue of $132.8M.
Does CHMG pay dividends?
Chemung Financial Corp. pays dividends, with $6.3M distributed to shareholders in the trailing twelve months.
Where can I find CHMG SEC filings?
Official SEC filings for Chemung Financial Corp. (CIK: 0000763563) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CHMG's EPS?
Chemung Financial Corp. has a diluted EPS of $3.14.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CHMG a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Chemung Financial Corp. has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CHMG stock overvalued or undervalued?
Valuation metrics for CHMG: ROE of 5.9% (sector avg: 12%), net margin of 11.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CHMG stock in 2026?
Our dual AI analysis gives Chemung Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CHMG's free cash flow?
Chemung Financial Corp.'s operating cash flow is $45.5M, with capital expenditures of $1.7M. FCF margin is 33.0%.
How does CHMG compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.4% (avg: 25%), ROE 5.9% (avg: 12%), current ratio N/A (avg: 1.2).