Switch to:

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 0.35
CHMG's Cash to Debt is ranked higher than
60% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CHMG: 0.35 )
CHMG' s 10-Year Cash to Debt Range
Min: 0.35   Max: No Debt
Current: 0.35

Equity to Asset 0.09
CHMG's Equity to Asset is ranked higher than
64% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CHMG: 0.09 )
CHMG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.11
Current: 0.09

0.09
0.11
Interest Coverage 3.26
CHMG's Interest Coverage is ranked higher than
83% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CHMG: 3.26 )
CHMG' s 10-Year Interest Coverage Range
Min: 0.51   Max: 3.26
Current: 3.26

0.51
3.26
F-Score: 3
Z-Score: 0.24
WACC vs ROIC
4.18%
6.36%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 15.55
CHMG's Operating margin (%) is ranked higher than
56% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. CHMG: 15.55 )
CHMG' s 10-Year Operating margin (%) Range
Min: -175.67   Max: 36.01
Current: 15.55

-175.67
36.01
Net-margin (%) 10.69
CHMG's Net-margin (%) is ranked higher than
55% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. CHMG: 10.69 )
CHMG' s 10-Year Net-margin (%) Range
Min: 10.69   Max: 82.44
Current: 10.69

10.69
82.44
ROE (%) 5.88
CHMG's ROE (%) is ranked higher than
63% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. CHMG: 5.88 )
CHMG' s 10-Year ROE (%) Range
Min: 5.99   Max: 12.77
Current: 5.88

5.99
12.77
ROA (%) 0.54
CHMG's ROA (%) is ranked higher than
62% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHMG: 0.54 )
CHMG' s 10-Year ROA (%) Range
Min: 0.54   Max: 1.32
Current: 0.54

0.54
1.32
ROC (Joel Greenblatt) (%) 38.10
CHMG's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. CHMG: 38.10 )
CHMG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -253.31   Max: 113.04
Current: 38.1

-253.31
113.04
Revenue Growth (3Y)(%) 5.20
CHMG's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CHMG: 5.20 )
CHMG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.6   Max: 64.7
Current: 5.2

-2.6
64.7
EBITDA Growth (3Y)(%) -6.40
CHMG's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CHMG: -6.40 )
CHMG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.6   Max: 13.6
Current: -6.4

-11.6
13.6
EPS Growth (3Y)(%) -10.20
CHMG's EPS Growth (3Y)(%) is ranked higher than
56% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CHMG: -10.20 )
CHMG' s 10-Year EPS Growth (3Y)(%) Range
Min: -12.6   Max: 18
Current: -10.2

-12.6
18
» CHMG's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2014

CHMG Guru Trades in Q3 2014

Chuck Royce 45,512 sh (unchged)
» More
Q4 2014

CHMG Guru Trades in Q4 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.80
CHMG's P/E(ttm) is ranked higher than
74% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. CHMG: 15.80 )
CHMG' s 10-Year P/E(ttm) Range
Min: 7.25   Max: 26.81
Current: 15.8

7.25
26.81
Forward P/E 11.78
CHMG's Forward P/E is ranked higher than
81% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHMG: 11.78 )
N/A
PE(NRI) 15.60
CHMG's PE(NRI) is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. CHMG: 15.60 )
CHMG' s 10-Year PE(NRI) Range
Min: 7.24   Max: 26.76
Current: 15.6

7.24
26.76
P/B 0.90
CHMG's P/B is ranked higher than
83% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. CHMG: 0.90 )
CHMG' s 10-Year P/B Range
Min: 0.67   Max: 1.55
Current: 0.9

0.67
1.55
P/S 1.70
CHMG's P/S is ranked higher than
89% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. CHMG: 1.70 )
CHMG' s 10-Year P/S Range
Min: 1.2   Max: 3.28
Current: 1.7

1.2
3.28
PFCF 8.10
CHMG's PFCF is ranked higher than
87% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHMG: 8.10 )
CHMG' s 10-Year PFCF Range
Min: 4.06   Max: 45.61
Current: 8.1

4.06
45.61
POCF 6.91
CHMG's POCF is ranked higher than
89% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. CHMG: 6.91 )
CHMG' s 10-Year POCF Range
Min: 3.13   Max: 14.42
Current: 6.91

3.13
14.42
EV-to-EBIT 15.26
CHMG's EV-to-EBIT is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. CHMG: 15.26 )
CHMG' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 19.4
Current: 15.26

0.1
19.4
Shiller P/E 12.70
CHMG's Shiller P/E is ranked higher than
94% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHMG: 12.70 )
CHMG' s 10-Year Shiller P/E Range
Min: 7.51   Max: 16.34
Current: 12.7

7.51
16.34
Days Sales Outstanding 155.23
CHMG's Days Sales Outstanding is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHMG: 155.23 )
CHMG' s 10-Year Days Sales Outstanding Range
Min: 103.29   Max: 155.23
Current: 155.23

103.29
155.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.70
CHMG's Dividend Yield is ranked higher than
77% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. CHMG: 3.70 )
CHMG' s 10-Year Dividend Yield Range
Min: 2.76   Max: 6.25
Current: 3.7

2.76
6.25
Dividend Payout 0.60
CHMG's Dividend Payout is ranked higher than
67% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CHMG: 0.60 )
CHMG' s 10-Year Dividend Payout Range
Min: 0.08   Max: 0.69
Current: 0.6

0.08
0.69
Dividend growth (3y) 1.30
CHMG's Dividend growth (3y) is ranked higher than
68% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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) 4.08
CHMG's Yield on cost (5-Year) is ranked higher than
70% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. CHMG: 4.08 )
CHMG' s 10-Year Yield on cost (5-Year) Range
Min: 2.89   Max: 6.54
Current: 4.08

2.89
6.54
Share Buyback Rate -2.20
CHMG's Share Buyback Rate is ranked higher than
70% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CHMG: -2.20 )
CHMG' s 10-Year Share Buyback Rate Range
Min: 2.4   Max: -8.9
Current: -2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
CHMG's Price/Tangible Book is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CHMG: 1.18 )
CHMG' s 10-Year Price/Tangible Book Range
Min: 0.88   Max: 1.81
Current: 1.18

0.88
1.81
Price/DCF (Projected) 0.53
CHMG's Price/DCF (Projected) is ranked higher than
91% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHMG: 0.53 )
CHMG' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 0.71
Current: 0.53

0.39
0.71
Price/Median PS Value 0.82
CHMG's Price/Median PS Value is ranked higher than
95% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CHMG: 0.82 )
CHMG' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 1.78
Current: 0.82

0.74
1.78
Price/Graham Number 0.89
CHMG's Price/Graham Number is ranked higher than
82% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CHMG: 0.89 )
CHMG' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.26
Current: 0.89

0.58
1.26
Earnings Yield (Greenblatt) 6.50
CHMG's Earnings Yield (Greenblatt) is ranked higher than
68% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CHMG: 6.50 )
CHMG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.2   Max: 809.3
Current: 6.5

5.2
809.3
Forward Rate of Return (Yacktman) 6.97
CHMG's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. CHMG: 6.97 )
CHMG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.3   Max: 23.3
Current: 6.97

6.3
23.3

Business Description

Industry: Banks » Banks - Regional - US
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 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.
» More Articles for CHMG

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
Chemung Financial posts 1Q profit Apr 23 2015
Chemung Financial posts 1Q profit Apr 23 2015
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 23 2015
Chemung Financial Reports First Quarter 2015 Net Income of $2.3 Million, or $0.48 Per Share, on Net... Apr 23 2015
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events Mar 31 2015
CHEMUNG FINANCIAL CORP Financials Mar 20 2015
CHEMUNG FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 13 2015
Chemung Financial Announces Quarterly Dividend Feb 27 2015
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 29 2015
Chemung Financial Reports Quarterly and Annual Earnings Jan 29 2015
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events Dec 23 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Dec 19 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 24 2014
CHEMUNG FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 17 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 23 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 22 2014
CHEMUNG FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 08 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 24 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 22 2014
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 14 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK