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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.70
CHMG's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 2.70 )
CHMG' s 10-Year Cash to Debt Range
Min: 0.36   Max: No Debt
Current: 2.7

Equity to Asset 0.09
CHMG's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.09 )
CHMG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.12
Current: 0.09

0.09
0.12
Interest Coverage 3.11
CHMG's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 3.11 )
CHMG' s 10-Year Interest Coverage Range
Min: 0.51   Max: 3.13
Current: 3.11

0.51
3.13
F-Score: 5
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 19.40
CHMG's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 19.40 )
CHMG' s 10-Year Operating margin (%) Range
Min: -175.67   Max: 36.01
Current: 19.4

-175.67
36.01
Net-margin (%) 13.49
CHMG's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 13.49 )
CHMG' s 10-Year Net-margin (%) Range
Min: 10.71   Max: 82.44
Current: 13.49

10.71
82.44
ROE (%) 6.30
CHMG's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 6.30 )
CHMG' s 10-Year ROE (%) Range
Min: 5.81   Max: 12.85
Current: 6.3

5.81
12.85
ROA (%) 0.59
CHMG's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.59 )
CHMG' s 10-Year ROA (%) Range
Min: 0.54   Max: 1.29
Current: 0.59

0.54
1.29
ROC (Joel Greenblatt) (%) 41.79
CHMG's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 41.79 )
CHMG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -126.65   Max: 103.54
Current: 41.79

-126.65
103.54
Revenue Growth (%) -2.60
CHMG's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: -2.60 )
CHMG' s 10-Year Revenue Growth (%) Range
Min: -2.6   Max: 64.7
Current: -2.6

-2.6
64.7
EBITDA Growth (%) -11.60
CHMG's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: -11.60 )
CHMG' s 10-Year EBITDA Growth (%) Range
Min: -11.6   Max: 13.6
Current: -11.6

-11.6
13.6
EPS Growth (%) -12.60
CHMG's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: -12.60 )
CHMG' s 10-Year EPS Growth (%) Range
Min: -12.6   Max: 18
Current: -12.6

-12.6
18
» CHMG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

CHMG Guru Trades in Q3 2013

Chuck Royce 34,398 sh (-14.01%)
» More
Q4 2013

CHMG Guru Trades in Q4 2013

Chuck Royce 31,000 sh (-9.88%)
» More
Q1 2014

CHMG Guru Trades in Q1 2014

Chuck Royce 45,512 sh (+46.81%)
» More
Q2 2014

CHMG Guru Trades in Q2 2014

Chuck Royce 45,512 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CHMG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.10
CHMG's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 17.10 )
CHMG' s 10-Year P/E(ttm) Range
Min: 7.25   Max: 20.85
Current: 17.1

7.25
20.85
P/B 0.91
CHMG's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.91 )
CHMG' s 10-Year P/B Range
Min: 0.67   Max: 1.73
Current: 0.91

0.67
1.73
P/S 1.94
CHMG's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 1.94 )
CHMG' s 10-Year P/S Range
Min: 1.2   Max: 3.59
Current: 1.94

1.2
3.59
PFCF 8.70
CHMG's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 8.70 )
CHMG' s 10-Year PFCF Range
Min: 3.94   Max: 17.12
Current: 8.7

3.94
17.12
EV-to-EBIT 8.97
CHMG's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 8.97 )
CHMG' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 14.9
Current: 8.97

0.1
14.9
PEG 8.55
CHMG's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 8.55 )
CHMG' s 10-Year PEG Range
Min: 0.94   Max: 48.92
Current: 8.55

0.94
48.92
Shiller P/E 12.30
CHMG's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 12.30 )
CHMG' s 10-Year Shiller P/E Range
Min: 7.55   Max: 16.34
Current: 12.3

7.55
16.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.71
CHMG's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 3.71 )
CHMG' s 10-Year Dividend Yield Range
Min: 2.49   Max: 6.25
Current: 3.71

2.49
6.25
Dividend Payout 0.63
CHMG's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.63 )
CHMG' s 10-Year Dividend Payout Range
Min: 0.3   Max: 1.32
Current: 0.63

0.3
1.32
Dividend growth (3y) 1.30
CHMG's Dividend growth (3y) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 1.30 )
CHMG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 75.6
Current: 1.3

0
75.6
Yield on cost (5-Year) 3.85
CHMG's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 3.85 )
CHMG' s 10-Year Yield on cost (5-Year) Range
Min: 2.59   Max: 6.5
Current: 3.85

2.59
6.5
Share Buyback Rate -8.90
CHMG's Share Buyback Rate is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: -8.90 )
CHMG' s 10-Year Share Buyback Rate Range
Min: 2.4   Max: -8.9
Current: -8.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
CHMG's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 1.13 )
CHMG' s 10-Year Price/Tangible Book Range
Min: 0.88   Max: 1.81
Current: 1.13

0.88
1.81
Price/DCF (Projected) 0.52
CHMG's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.52 )
CHMG' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 0.67
Current: 0.52

0.29
0.67
Price/Median PS Value 0.89
CHMG's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.89 )
CHMG' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 4.12
Current: 0.89

0.59
4.12
Price/Graham Number 0.92
CHMG's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 0.92 )
CHMG' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 1.51
Current: 0.92

0.55
1.51
Earnings Yield (Greenblatt) 11.10
CHMG's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 11.10 )
CHMG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.7   Max: 809.3
Current: 11.1

6.7
809.3
Forward Rate of Return (Yacktman) 9.99
CHMG's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. CHMG: 9.99 )
CHMG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5   Max: 27.1
Current: 9.99

5
27.1

Business Description

Industry: »
Compare: » details
Chemung Financial Corporation was incorporated on January 2, 1985 under the laws of the State of New York. The Corporation was organized for the purpose of acquiring Chemung Canal Trust Company. The Corporation, through the Bank and CFS Group, Inc., provides a wide range of financial services. Some of its offerings include demand, savings and time deposits, commercial, residential and consumer loans, letters of credit, wealth management services, employee benefit plans, brokerage services and insurance. It accepts time, demand, and savings deposits, including negotiable order of withdrawal accounts, regular savings accounts, insured money market accounts, investment certificates, fixed-rate certificates of deposit, and club accounts. The company's loan portfolio comprises secured and unsecured commercial and consumer loans; financing commercial transactions; commercial, residential, and home equity mortgage loans; revolving credit loans with overdraft checking protection; and small business loans. In addition, it rents safe deposit facilities and provides networked automated teller facilities. Further, the company provides various trust services comprising services as executor and trustee under wills and agreements; and guardian, custodian, trustee, and agent for pension, profit-sharing, and other employee benefit trusts, as well as various investment, pension, estate planning, and employee benefit administrative services. It operates 22 full-service branch locations in Broome, Schuyler, Steuben, Tioga, and Tompkins counties in New York, as well as in Bradford county, Pennsylvania; a trust and investment center in Herkimer County, New York; and 11 off-site automated teller facilities. Chemung Financial Corporation, through its other subsidiary, CFS Group, Inc., provides various financial services, including mutual funds, full and discount brokerage services, annuity and other insurance products, and tax preparation services.
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