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Chemung Financial Corporation CHMG · Stock Open Chemung Financial Corporation in new tab

48.21 USD
P/E
10.17
EPS
4.74
Yield
2.66%
P/B
1.01
ROE
10.65
Beta
0.38
Target Price
54.67 USD
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Key Metrics
Earnings dateJuly 16, 2026
P/E10.17
EPS4.74
Book Value47.67
Price to Book1.01
% Insiders13.686%
Growth
Revenue Growth-0.05%
Earnings Growth-0.15%
Estimates
Forward P/E9.10
Forward EPS5.30
Target Mean Price54.67
Dividend
Dividend Yield2.66%
Annual dividends1.28 USD
Ex-Div. DateJune 17, 2026
Payout26.37%
5y avg Yield2.81%

DCF Valuation

Tweak assumptions to recompute fair value for Chemung Financial Corporation (CHMG)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Chemung Financial Corporation Logo Chemung Financial Corporation Analysis (CHMG)

United States Financials Official Website Stock

Is Chemung Financial Corporation a good investment? Chemung Financial Corporation (CHMG) is currently trading at 48.21 USD. Market analysts have a consensus price target of 54.67 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 10.17. This relatively low multiple may signal that Chemung Financial Corporation is undervalued compared to historical market norms.

Earnings Schedule: Chemung Financial Corporation is expected to release its next earnings report on July 16, 2026. The market consensus estimate for Forward EPS is 5.30.

For income investors, Chemung Financial Corporation pays a dividend yield of 2.66%. With a payout ratio of 26%, the dividend appears sustainable.

Investor FAQ

Does Chemung Financial Corporation pay a dividend?

Yes, it pays an annual dividend of 1.28 USD (2.66% yield).

What asset class is Chemung Financial Corporation?

Chemung Financial Corporation is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 16, 2026. The company currently has a trailing EPS of 4.74.

Company Profile

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. Chemung Financial Corporation was founded in 1833 and is based in Elmira, New York.

Exchange Ticker
NMS (United States) CHMG
Trades
Dividend Yield
2.66%
5y avg 2.81%
Annual Dividends
1.28USD
Next Ex. Div Date
June 17, 2026
Payout Ratio
26.37%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
0.71 USD
April 1, 2027 (estimated) 0.3563
Jan. 4, 2027 (estimated) 0.3563
2026
1.38 USD
Oct. 1, 2026 (estimated) 0.3563
July 1, 2026 0.3400
April 1, 2026 0.3400
Jan. 2, 2026 0.3400
2025
1.29 USD
Oct. 1, 2025 0.3400
July 1, 2025 0.3200
April 1, 2025 0.3200
Jan. 2, 2025 0.3100
2024
1.24 USD
Oct. 1, 2024 0.3100
July 1, 2024 0.3100
April 1, 2024 0.3100
Jan. 2, 2024 0.3100
2023
1.24 USD
Oct. 2, 2023 0.3100
July 3, 2023 0.3100
April 3, 2023 0.3100
Jan. 3, 2023 0.3100
2022
1.24 USD
Oct. 3, 2022 0.3100
July 1, 2022 0.3100
April 1, 2022 0.3100
Jan. 3, 2022 0.3100
2021
1.14 USD
Oct. 1, 2021 0.3100
July 1, 2021 0.3100
April 1, 2021 0.2600
Jan. 4, 2021 0.2600
2020
1.04 USD
Oct. 1, 2020 0.2600
July 1, 2020 0.2600
April 1, 2020 0.2600
Jan. 2, 2020 0.2600
2019
1.04 USD
Oct. 1, 2019 0.2600
July 1, 2019 0.2600
April 1, 2019 0.2600
Jan. 2, 2019 0.2600
2018
1.04 USD
Oct. 1, 2018 0.2600
July 2, 2018 0.2600
April 2, 2018 0.2600
Jan. 2, 2018 0.2600
2017
1.04 USD
Oct. 2, 2017 0.2600
July 3, 2017 0.2600
April 3, 2017 0.2600
Jan. 3, 2017 0.2600
2016
1.04 USD
Oct. 3, 2016 0.2600
July 1, 2016 0.2600
April 1, 2016 0.2600
Jan. 4, 2016 0.2600
2015
1.04 USD
Oct. 1, 2015 0.2600
July 1, 2015 0.2600
April 1, 2015 0.2600
Jan. 2, 2015 0.2600
2014
1.04 USD
Oct. 1, 2014 0.2600
July 1, 2014 0.2600
April 1, 2014 0.2600
Jan. 2, 2014 0.2600
2013
0.78 USD
Oct. 1, 2013 0.2600
July 1, 2013 0.2600
April 1, 2013 0.2600
2012
1.25 USD
Dec. 31, 2012 0.2500
Oct. 1, 2012 0.2500
July 2, 2012 0.2500
April 2, 2012 0.2500
Jan. 3, 2012 0.2500
2011
0.75 USD
Oct. 3, 2011 0.2500
July 1, 2011 0.2500
April 1, 2011 0.2500
2010
1.25 USD
Dec. 15, 2010 0.2500
Oct. 1, 2010 0.2500
July 1, 2010 0.2500
April 1, 2010 0.2500
Jan. 4, 2010 0.2500
2009
1.00 USD
Oct. 1, 2009 0.2500
July 1, 2009 0.2500
April 1, 2009 0.2500
Jan. 5, 2009 0.2500
2008
1.00 USD
Oct. 1, 2008 0.2500
July 1, 2008 0.2500
April 1, 2008 0.2500
Jan. 2, 2008 0.2500
2007
0.96 USD
Oct. 1, 2007 0.2400
July 2, 2007 0.2400
April 2, 2007 0.2400
Jan. 2, 2007 0.2400
2006
0.96 USD
Oct. 4, 2006 0.2400
July 3, 2006 0.2400
April 3, 2006 0.2400
Jan. 3, 2006 0.2400
2005
0.96 USD
Oct. 11, 2005 0.2400
July 5, 2005 0.2400
April 4, 2005 0.2400
Jan. 4, 2005 0.2400
2004
0.92 USD
Oct. 4, 2004 0.2300
July 6, 2004 0.2300
April 5, 2004 0.2300
Jan. 2, 2004 0.2300
2003
0.92 USD
Oct. 1, 2003 0.2300
July 1, 2003 0.2300
April 2, 2003 0.2300
Jan. 2, 2003 0.2300
2002
0.92 USD
Oct. 1, 2002 0.2300
July 2, 2002 0.2300
April 1, 2002 0.2300
Jan. 2, 2002 0.2300
2001
0.89 USD
Oct. 1, 2001 0.2300
July 2, 2001 0.2200
April 2, 2001 0.2200
Jan. 2, 2001 0.2200
2000
0.85 USD
Oct. 2, 2000 0.2200
July 3, 2000 0.2100
April 3, 2000 0.2100
Jan. 3, 2000 0.2100
1999
0.72 USD
Oct. 1, 1999 0.1900
July 1, 1999 0.1900
April 1, 1999 0.1700
Jan. 4, 1999 0.1700
1998
0.96 USD
Oct. 1, 1998 0.1700
July 1, 1998 0.1700
April 2, 1998 0.3100
Jan. 2, 1998 0.3100
1997
1.18 USD
Oct. 1, 1997 0.3100
July 1, 1997 0.3100
April 2, 1997 0.2800
Jan. 2, 1997 0.2800
1996
1.03 USD
Oct. 1, 1996 0.2800
July 1, 1996 0.2500
April 1, 1996 0.2500
Jan. 2, 1996 0.2500
1995
0.73 USD
Sept. 20, 1995 0.2500
July 3, 1995 0.2400
April 3, 1995 0.2400
Upcoming Dividends
Name Payment Date Status Amount
Chemung Financial Corporation Jul 01, 2026 Upcoming 0.34 USD
Chemung Financial Corporation Apr 01, 2026 0.34 USD
Chemung Financial Corporation Jan 02, 2026 0.34 USD
Chemung Financial Corporation Oct 01, 2025 0.34 USD
Chemung Financial Corporation Jul 01, 2025 0.32 USD
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