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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 2.54
CHMG's Cash to Debt is ranked lower than
52% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. CHMG: 2.54 )
Ranked among companies with meaningful Cash to Debt only.
CHMG' s Cash to Debt Range Over the Past 10 Years
Min: 0.36  Med: 1.31 Max: No Debt
Current: 2.54
Equity to Asset 0.09
CHMG's Equity to Asset is ranked lower than
60% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHMG: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CHMG' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.12
Current: 0.09
0.09
0.12
Interest Coverage 4.05
CHMG's Interest Coverage is ranked higher than
76% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CHMG: 4.05 )
Ranked among companies with meaningful Interest Coverage only.
CHMG' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 2.07 Max: 3.91
Current: 4.05
0.6
3.91
F-Score: 5
M-Score: -2.74
WACC vs ROIC
3.45%
8.84%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 20.38
CHMG's Operating margin (%) is ranked lower than
75% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. CHMG: 20.38 )
Ranked among companies with meaningful Operating margin (%) only.
CHMG' s Operating margin (%) Range Over the Past 10 Years
Min: 14.52  Med: 24.53 Max: 28.07
Current: 20.38
14.52
28.07
Net-margin (%) 13.66
CHMG's Net-margin (%) is ranked lower than
78% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. CHMG: 13.66 )
Ranked among companies with meaningful Net-margin (%) only.
CHMG' s Net-margin (%) Range Over the Past 10 Years
Min: 10.69  Med: 17.01 Max: 18.65
Current: 13.66
10.69
18.65
ROE (%) 7.15
CHMG's ROE (%) is ranked lower than
59% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. CHMG: 7.15 )
Ranked among companies with meaningful ROE (%) only.
CHMG' s ROE (%) Range Over the Past 10 Years
Min: 5.99  Med: 8.29 Max: 10.78
Current: 7.15
5.99
10.78
ROA (%) 0.61
CHMG's ROA (%) is ranked lower than
68% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CHMG: 0.61 )
Ranked among companies with meaningful ROA (%) only.
CHMG' s ROA (%) Range Over the Past 10 Years
Min: 0.54  Med: 0.90 Max: 1.04
Current: 0.61
0.54
1.04
Revenue Growth (3Y)(%) 3.00
CHMG's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CHMG: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CHMG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.6  Med: 4.20 Max: 64.7
Current: 3
-2.6
64.7
EBITDA Growth (3Y)(%) -2.40
CHMG's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CHMG: -2.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CHMG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.6  Med: -1.30 Max: 13.5
Current: -2.4
-11.6
13.5
EPS Growth (3Y)(%) -5.60
CHMG's EPS Growth (3Y)(%) is ranked lower than
79% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CHMG: -5.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CHMG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.5  Med: 1.10 Max: 17.8
Current: -5.6
-12.5
17.8
» CHMG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

Q2 2015

CHMG Guru Trades in Q2 2015

Chuck Royce 45,512 sh (unchged)
» More
Q3 2015

CHMG Guru Trades in Q3 2015

Jim Simons 9,200 sh (New)
Chuck Royce 45,512 sh (unchged)
» More
Q4 2015

CHMG Guru Trades in Q4 2015

Jim Simons 10,800 sh (+17.39%)
Chuck Royce 45,512 sh (unchged)
» More
Q1 2016

CHMG Guru Trades in Q1 2016

Jim Simons 22,000 sh (+103.70%)
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%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LCNB, NAS:NCBS, OTCPK:CSHX, NAS:BWFG, NAS:SFST, NAS:ORRF » details
Chemung Financial Corp, through the Chemung Canal Trust Company and CFS Group, Inc., provides financial services, including demand, savings and time deposits, commercial, residential and consumer loans, and wealth management services.

Chemung Financial Corp 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 or the Bank. The Corporation, through the Bank and CFS Group, Inc., provides financial services, including demand, savings and time deposits, commercial, residential and consumer loans, letters of credit, wealth management services, employee benefit plans, securities and insurance brokerage services. The Bank derives its income from interest and fees on loans, interest on investment securities, Wealth Management Group fee income and fees received in connection with deposit and other services. The Corporation segments its loan portfolio into the following categories: commercial and agricultural, commercial mortgages, residential mortgages and consumer loans. The commercial and agricultural loans segment consists of loans to small to mid-sized businesses in the market area. Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, and therefore pose higher potential losses on an individual customer basis. Residential mortgage loans are generally made on the basis of the borrower's ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable. The consumer loan segment includes home equity lines of credit and home equity loans, which exhibit many of the same risk characteristics as residential mortgages. The Bank operates 34 branch offices located in 11 counties in New York and Bradford County in Pennsylvania. Bank branch offices are located in the following New York counties: Chemung, Broome, Cayuga, Cortland, Schuyler, Seneca, Steuben, Tioga and Tompkins. The Bank also operates under the name Capital Bank, a division of Chemung Canal Trust Company, with branch offices located in Albany and Saratoga counties in New York. The Bank encounters competition in the lending and deposit gathering aspects of its business from local, regional and national commercial banks and thrift institutions, credit unions and other providers of financial services, such as brokerage firms, investment companies, insurance companies and internet banking institutions. The Bank also competes with non-financial institutions, including retail stores and certain utilities that maintain their own credit programs, as well as governmental agencies that make loans to certain borrowers. The Bank is subject to the USA PATRIOT Act.

Ratios

vs
industry
vs
history
P/E(ttm) 15.27
CHMG's P/E(ttm) is ranked lower than
61% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. CHMG: 15.27 )
Ranked among companies with meaningful P/E(ttm) only.
CHMG' s P/E(ttm) Range Over the Past 10 Years
Min: 7.25  Med: 13.74 Max: 26.81
Current: 15.27
7.25
26.81
PE(NRI) 15.27
CHMG's PE(NRI) is ranked lower than
60% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CHMG: 15.27 )
Ranked among companies with meaningful PE(NRI) only.
CHMG' s PE(NRI) Range Over the Past 10 Years
Min: 7.24  Med: 13.72 Max: 26.76
Current: 15.27
7.24
26.76
Price/Owner Earnings (ttm) 14.03
CHMG's Price/Owner Earnings (ttm) is ranked lower than
59% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. CHMG: 14.03 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CHMG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.79  Med: 10.98 Max: 92.02
Current: 14.03
5.79
92.02
P/B 1.02
CHMG's P/B is ranked higher than
51% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CHMG: 1.02 )
Ranked among companies with meaningful P/B only.
CHMG' s P/B Range Over the Past 10 Years
Min: 0.67  Med: 0.93 Max: 1.46
Current: 1.02
0.67
1.46
P/S 2.11
CHMG's P/S is ranked higher than
70% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CHMG: 2.11 )
Ranked among companies with meaningful P/S only.
CHMG' s P/S Range Over the Past 10 Years
Min: 1.2  Med: 1.82 Max: 3.19
Current: 2.11
1.2
3.19
PFCF 9.84
CHMG's PFCF is ranked higher than
53% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. CHMG: 9.84 )
Ranked among companies with meaningful PFCF only.
CHMG' s PFCF Range Over the Past 10 Years
Min: 4.07  Med: 8.39 Max: 45.61
Current: 9.84
4.07
45.61
POCF 9.12
CHMG's POCF is ranked higher than
50% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. CHMG: 9.12 )
Ranked among companies with meaningful POCF only.
CHMG' s POCF Range Over the Past 10 Years
Min: 3.12  Med: 7.02 Max: 14.44
Current: 9.12
3.12
14.44
EV-to-EBIT 7.85
CHMG's EV-to-EBIT is ranked higher than
77% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CHMG: 7.85 )
Ranked among companies with meaningful EV-to-EBIT only.
CHMG' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 7.90 Max: 19.4
Current: 7.85
0.1
19.4
EV-to-EBITDA 5.78
CHMG's EV-to-EBITDA is ranked higher than
84% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. CHMG: 5.78 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHMG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.1  Med: 6.00 Max: 11.3
Current: 5.78
0.1
11.3
Shiller P/E 14.17
CHMG's Shiller P/E is ranked higher than
69% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. CHMG: 14.17 )
Ranked among companies with meaningful Shiller P/E only.
CHMG' s Shiller P/E Range Over the Past 10 Years
Min: 5.8  Med: 10.81 Max: 15.15
Current: 14.17
5.8
15.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.28
CHMG's Dividend Yield is ranked higher than
57% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. CHMG: 3.28 )
Ranked among companies with meaningful Dividend Yield only.
CHMG' s Dividend Yield Range Over the Past 10 Years
Min: 2.84  Med: 3.81 Max: 6.25
Current: 3.28
2.84
6.25
Dividend Payout 0.50
CHMG's Dividend Payout is ranked lower than
73% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CHMG: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
CHMG' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.47 Max: 1.32
Current: 0.5
0.08
1.32
Dividend Growth (3y) 1.30
CHMG's Dividend Growth (3y) is ranked lower than
74% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CHMG: 1.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CHMG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 1.30 Max: 75.6
Current: 1.3
0
75.6
Forward Dividend Yield 3.16
CHMG's Forward Dividend Yield is ranked higher than
52% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CHMG: 3.16 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.45
CHMG's Yield on cost (5-Year) is ranked higher than
51% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. CHMG: 3.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CHMG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.98  Med: 4.00 Max: 6.57
Current: 3.45
2.98
6.57
3-Year Average Share Buyback Ratio -0.70
CHMG's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CHMG: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CHMG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.2  Med: 0.90 Max: 2.6
Current: -0.7
-9.2
2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
CHMG's Price/Tangible Book is ranked lower than
59% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHMG: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
CHMG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.88  Med: 1.27 Max: 1.81
Current: 1.29
0.88
1.81
Price/Projected FCF 0.57
CHMG's Price/Projected FCF is ranked higher than
63% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CHMG: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
CHMG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.54 Max: 0.94
Current: 0.57
0.34
0.94
Price/Median PS Value 1.15
CHMG's Price/Median PS Value is ranked lower than
66% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHMG: 1.15 )
Ranked among companies with meaningful Price/Median PS Value only.
CHMG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 1.35 Max: 4.95
Current: 1.15
0.71
4.95
Price/Graham Number 0.93
CHMG's Price/Graham Number is ranked lower than
56% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CHMG: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
CHMG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.88 Max: 1.27
Current: 0.93
0.43
1.27
Earnings Yield (Greenblatt) (%) 12.78
CHMG's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. CHMG: 12.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CHMG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.2  Med: 12.60 Max: 809.3
Current: 12.78
5.2
809.3
Forward Rate of Return (Yacktman) (%) 5.21
CHMG's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CHMG: 5.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CHMG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.2  Med: 13.30 Max: 20.3
Current: 5.21
5.2
20.3

More Statistics

Revenue (TTM) (Mil) $72.19
EPS (TTM) $ 2.09
Beta0.13
Short Percentage of Float0.29%
52-Week Range $26.00 - 32.95
Shares Outstanding (Mil)4.69
» More Articles for CHMG

Headlines

Articles On GuruFocus.com
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CHEMUNG FINANCIAL CORP Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... May 19 2016
Chemung Financial Announces Quarterly Dividend May 19 2016
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CHEMUNG FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... May 13 2016
Chemung Financial Shareholders Re-elect Directors May 13 2016
Chemung Canal CEO Announces Retirement May 12 2016
CHEMUNG FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 06 2016
Chemung Financial Corp. :CHMG-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 26 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 21 2016
Chemung Financial Reports First Quarter 2016 Net Income of $2.7 Million, or $0.57 per Share Apr 21 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to... Mar 17 2016
New Director Appointed to Chemung Financial Board Mar 16 2016
CHEMUNG FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 11 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 07 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 18 2016
Chemung Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
Chemung Financial posts 4Q profit Jan 28 2016
Chemung Financial posts 4Q profit Jan 28 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 19 2015

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