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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 5.37
CHMG's Cash-to-Debt is ranked higher than
64% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. CHMG: 5.37 )
Ranked among companies with meaningful Cash-to-Debt only.
CHMG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.36  Med: 1.05 Max: No Debt
Current: 5.37
Equity-to-Asset 0.09
CHMG's Equity-to-Asset is ranked lower than
58% of the 1496 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: 0.11 Max: 0.11
Current: 0.09
0.09
0.11
Interest Coverage 3.76
CHMG's Interest Coverage is ranked higher than
73% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CHMG: 3.76 )
Ranked among companies with meaningful Interest Coverage only.
CHMG' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 2.71 Max: 3.91
Current: 3.76
0.6
3.91
Beneish M-Score: -2.33
WACC vs ROIC
4.07%
11.64%
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 : 5/10

vs
industry
vs
history
Operating Margin % 19.64
CHMG's Operating Margin % is ranked lower than
75% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. CHMG: 19.64 )
Ranked among companies with meaningful Operating Margin % only.
CHMG' s Operating Margin % Range Over the Past 10 Years
Min: 14.52  Med: 22.59 Max: 28.07
Current: 19.64
14.52
28.07
Net Margin % 13.65
CHMG's Net Margin % is ranked lower than
75% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. CHMG: 13.65 )
Ranked among companies with meaningful Net Margin % only.
CHMG' s Net Margin % Range Over the Past 10 Years
Min: 10.69  Med: 15.35 Max: 18.65
Current: 13.65
10.69
18.65
ROE % 7.06
CHMG's ROE % is ranked lower than
60% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CHMG: 7.06 )
Ranked among companies with meaningful ROE % only.
CHMG' s ROE % Range Over the Past 10 Years
Min: 5.99  Med: 7.83 Max: 10.78
Current: 7.06
5.99
10.78
ROA % 0.60
CHMG's ROA % is ranked lower than
66% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CHMG: 0.60 )
Ranked among companies with meaningful ROA % only.
CHMG' s ROA % Range Over the Past 10 Years
Min: 0.54  Med: 0.77 Max: 1.04
Current: 0.6
0.54
1.04
3-Year Revenue Growth Rate 3.60
CHMG's 3-Year Revenue Growth Rate is ranked lower than
52% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. CHMG: 3.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CHMG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.6  Med: 4.1 Max: 63.5
Current: 3.6
-2.6
63.5
3-Year EBITDA Growth Rate 4.70
CHMG's 3-Year EBITDA Growth Rate is ranked lower than
54% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CHMG: 4.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CHMG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -11.6  Med: -1.2 Max: 13.5
Current: 4.7
-11.6
13.5
3-Year EPS without NRI Growth Rate 4.10
CHMG's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CHMG: 4.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CHMG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -12.6  Med: 1.1 Max: 18
Current: 4.1
-12.6
18
GuruFocus has detected 5 Warning Signs with Chemung Financial Corp $CHMG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CHMG's 10-Y Financials

Financials (Next Earnings Date: 2017-04-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CHMG Guru Trades in Q1 2016

Jim Simons 22,000 sh (+103.70%)
Chuck Royce 45,512 sh (unchged)
» More
Q2 2016

CHMG Guru Trades in Q2 2016

Jim Simons 26,674 sh (+21.25%)
Chuck Royce 45,512 sh (unchged)
» More
Q3 2016

CHMG Guru Trades in Q3 2016

Jim Simons 26,900 sh (+0.85%)
Chuck Royce 45,512 sh (unchged)
» More
Q4 2016

CHMG Guru Trades in Q4 2016

Jim Simons 34,300 sh (+27.51%)
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    NAICS: 522110    SIC: 6022
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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
PE Ratio 17.59
CHMG's PE Ratio is ranked lower than
68% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CHMG: 17.59 )
Ranked among companies with meaningful PE Ratio only.
CHMG' s PE Ratio Range Over the Past 10 Years
Min: 7.27  Med: 13.82 Max: 27.01
Current: 17.59
7.27
27.01
PE Ratio without NRI 17.59
CHMG's PE Ratio without NRI is ranked lower than
65% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CHMG: 17.59 )
Ranked among companies with meaningful PE Ratio without NRI only.
CHMG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.27  Med: 13.82 Max: 27.01
Current: 17.59
7.27
27.01
Price-to-Owner-Earnings 9.64
CHMG's Price-to-Owner-Earnings is ranked higher than
68% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. CHMG: 9.64 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CHMG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.79  Med: 10.7 Max: 92.02
Current: 9.64
5.79
92.02
PB Ratio 1.21
CHMG's PB Ratio is ranked lower than
52% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CHMG: 1.21 )
Ranked among companies with meaningful PB Ratio only.
CHMG' s PB Ratio Range Over the Past 10 Years
Min: 0.67  Med: 0.93 Max: 1.46
Current: 1.21
0.67
1.46
PS Ratio 2.40
CHMG's PS Ratio is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. CHMG: 2.40 )
Ranked among companies with meaningful PS Ratio only.
CHMG' s PS Ratio Range Over the Past 10 Years
Min: 1.2  Med: 1.82 Max: 3.19
Current: 2.4
1.2
3.19
Price-to-Free-Cash-Flow 8.64
CHMG's Price-to-Free-Cash-Flow is ranked higher than
62% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CHMG: 8.64 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CHMG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.07  Med: 8.33 Max: 45.61
Current: 8.64
4.07
45.61
Price-to-Operating-Cash-Flow 7.98
CHMG's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. CHMG: 7.98 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CHMG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.12  Med: 7.05 Max: 14.44
Current: 7.98
3.12
14.44
EV-to-EBIT 7.99
CHMG's EV-to-EBIT is ranked higher than
62% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. CHMG: 7.99 )
Ranked among companies with meaningful EV-to-EBIT only.
CHMG' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 7.3 Max: 19.4
Current: 7.99
0.1
19.4
EV-to-EBITDA 5.88
CHMG's EV-to-EBITDA is ranked higher than
69% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. CHMG: 5.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHMG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.1  Med: 5.5 Max: 11.3
Current: 5.88
0.1
11.3
Shiller PE Ratio 16.47
CHMG's Shiller PE Ratio is ranked higher than
68% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. CHMG: 16.47 )
Ranked among companies with meaningful Shiller PE Ratio only.
CHMG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.84  Med: 11.14 Max: 16.96
Current: 16.47
5.84
16.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.80
CHMG's Dividend Yield % is ranked higher than
52% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CHMG: 2.80 )
Ranked among companies with meaningful Dividend Yield % only.
CHMG' s Dividend Yield % Range Over the Past 10 Years
Min: 2.72  Med: 3.81 Max: 6.25
Current: 2.8
2.72
6.25
Dividend Payout Ratio 0.49
CHMG's Dividend Payout Ratio is ranked lower than
74% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CHMG: 0.49 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CHMG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.49 Max: 0.69
Current: 0.49
0.36
0.69
Forward Dividend Yield % 2.80
CHMG's Forward Dividend Yield % is ranked lower than
52% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CHMG: 2.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.93
CHMG's 5-Year Yield-on-Cost % is ranked lower than
55% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. CHMG: 2.93 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CHMG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.84  Med: 3.98 Max: 6.54
Current: 2.93
2.84
6.54
3-Year Average Share Buyback Ratio -0.70
CHMG's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 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: 0.8 Max: 2.6
Current: -0.7
-9.2
2.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.47
CHMG's Price-to-Tangible-Book is ranked lower than
61% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CHMG: 1.47 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CHMG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.96  Med: 1.39 Max: 1.89
Current: 1.47
0.96
1.89
Price-to-Intrinsic-Value-Projected-FCF 0.66
CHMG's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
65% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHMG: 0.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CHMG' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.58 Max: 0.81
Current: 0.66
0.4
0.81
Price-to-Median-PS-Value 1.32
CHMG's Price-to-Median-PS-Value is ranked lower than
67% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CHMG: 1.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CHMG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.82  Med: 1.29 Max: 1.98
Current: 1.32
0.82
1.98
Price-to-Graham-Number 1.07
CHMG's Price-to-Graham-Number is ranked lower than
61% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CHMG: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CHMG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 0.95 Max: 1.28
Current: 1.07
0.59
1.28
Earnings Yield (Greenblatt) % 12.52
CHMG's Earnings Yield (Greenblatt) % is ranked higher than
71% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. CHMG: 12.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CHMG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.2  Med: 13.7 Max: 809.3
Current: 12.52
5.2
809.3
Forward Rate of Return (Yacktman) % 6.56
CHMG's Forward Rate of Return (Yacktman) % is ranked lower than
65% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CHMG: 6.56 )
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: 4.7  Med: 13 Max: 20.3
Current: 6.56
4.7
20.3

More Statistics

Revenue (TTM) (Mil) $73.48
EPS (TTM) $ 2.11
Beta0.10
Short Percentage of Float0.85%
52-Week Range $26.05 - 39.50
Shares Outstanding (Mil)4.73
» More Articles for CHMG

Headlines

Articles On GuruFocus.com

More From Other Websites
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 17 2017
Chemung Canal to Relocate Downtown Auburn Branch Mar 17 2017
CHEMUNG FINANCIAL CORP Financials Mar 14 2017
CHEMUNG FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 08 2017
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 23 2017
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 16 2017
Chemung Financial Announces Quarterly Dividend Feb 16 2017
Chemung Financial Corp. : CHMG-US: Dividend Analysis : December 20th, 2016 (record date) : By the... Feb 06 2017
Capital Bank expanding to Schenectady Feb 06 2017
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 03 2017
Capital Bank Plans Branch at Mohawk Harbor Feb 02 2017
Chemung Financial Corp. :CHMG-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Chemung Financial Corp. :CHMG-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
Chemung Financial posts 4Q profit Jan 26 2017
Chemung Financial posts 4Q profit Jan 26 2017
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 26 2017
Chemung Financial Corporation Reports Annual and Fourth Quarter 2016 Net Income of $10.0 Million, or... Jan 26 2017
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to... Dec 23 2016
CHEMUNG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 17 2016
CHEMUNG FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 02 2016

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