# Chemung Financial Corp (CHMG) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $85.90, market value $414 million.

## Valuation
- **P/E (trailing): 10.8×** (5-yr avg 10.0×, 3-yr avg 12.0×). Chemung Financial Corp trades at 10.8× trailing earnings, close to its own five-year average of 10.0×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.0%** (5-yr avg 15.6%). Free cash flow equals 11.0% of the market value, below its five-year average of 15.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.3%**. The inverse of the P/E: 9.3% of the price is earned each year.

## Profitability
- **Return on equity: 5.9%**. 5.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -36.7%** (3-yr -20.0%/yr, 5-yr -4.8%/yr). Earnings per share fell 36.7%.
- **Free-cash-flow growth (3 yr): 8.2%/yr**. Free cash flow has compounded at 8.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Cash and short-term investments: $50 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.68%** ($1.38 per share, trailing). Chemung Financial Corp yields 1.68%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 42%** (14% of free cash flow). 42% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.9%/yr** (1-yr 6.5%). The dividend has grown 4.9% a year over five years.

## Analyst view
- **Analyst consensus: buy** (5 analysts). 5 analysts cover Chemung Financial Corp; the consensus is buy, with an average price target of $92.35 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 71.4%** (YTD 55.7%, 3-mo 4.3%). The shares are up 71.4% over twelve months including dividends.
- **From 52-week high: -3.8%** (71.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.27** (volatility 29%). Beta of 0.27 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CHMG · Page: https://foliofundamentals.com/stocks/chmg

Not investment advice.