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CHMG CHEMUNG FINANCIAL CORP

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$389m
Revenue TTM
$120m
Net income TTM
$34m
Free cash flow
$45m
Composite score
60.6
Sector rank
#2525

Valuation

P / E
11.6
EV / EBITDA
EV / sales
2.6
FCF yield
11.68%
Earnings yield vs 10-yr
3.89pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
27.9%
EBITDA margin
ROE
12.4%
ROIC
Revenue growth
40.0%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

(2) Adjusted for tax impact of loss on sale of securities available for sale and gain on sale of previous branch property during the three and six months ended June 30, 2025. The Corporation reported net income for the three months ended June 30, 2026 of $8.8 million, or $1.82 per share, compared to a net loss of $6.5 million, or a net loss of $1.35 per share, for the same period in the prior year. The increase in net income for the three months ended June 30, 2026 was attributable to increases in net interest income and non-interest income, as well as a decrease in the provision for credit losses, offset by increases in non-interest expense and income tax expense. …CHEMUNG FINANCIAL CORP, 10-Q, period ended 2026-06-30, filed 2026-08-06

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