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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 4.73
CHMG's Cash-to-Debt is ranked higher than
61% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. CHMG: 4.73 )
Ranked among companies with meaningful Cash-to-Debt only.
CHMG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.36  Med: 1.4 Max: No Debt
Current: 4.73
Equity-to-Asset 0.09
CHMG's Equity-to-Asset is ranked lower than
61% of the 1624 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: 0.08  Med: 0.1 Max: 0.12
Current: 0.09
0.08
0.12
Debt-to-Equity 0.09
CHMG's Debt-to-Equity is ranked higher than
92% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CHMG: 0.09 )
Ranked among companies with meaningful Debt-to-Equity only.
CHMG' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09  Med: 0.3 Max: 0.94
Current: 0.09
0.09
0.94
Debt-to-EBITDA 0.64
CHMG's Debt-to-EBITDA is ranked higher than
89% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. CHMG: 0.64 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CHMG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.64  Med: 1.68 Max: 5.85
Current: 0.64
0.64
5.85
Interest Coverage 4.74
CHMG's Interest Coverage is ranked higher than
79% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. CHMG: 4.74 )
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: 4.74
Current: 4.74
0.6
4.74
Beneish M-Score: -2.15
WACC vs ROIC
4.80%
18.52%
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 % 22.52
CHMG's Operating Margin % is ranked lower than
71% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. CHMG: 22.52 )
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: 22.52
14.52
28.07
Net Margin % 15.73
CHMG's Net Margin % is ranked lower than
73% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. CHMG: 15.73 )
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: 15.73
10.69
18.65
ROE % 7.94
CHMG's ROE % is ranked lower than
56% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. CHMG: 7.94 )
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: 7.94
5.99
10.78
ROA % 0.68
CHMG's ROA % is ranked lower than
65% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CHMG: 0.68 )
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: 0.68
0.54
1.04
3-Year Revenue Growth Rate 3.60
CHMG's 3-Year Revenue Growth Rate is ranked lower than
53% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 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: 4.2 Max: 64.7
Current: 3.6
-2.6
64.7
3-Year EBITDA Growth Rate 4.70
CHMG's 3-Year EBITDA Growth Rate is ranked lower than
53% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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: -1.3 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
56% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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: 2.5 Max: 18
Current: 4.1
-12.6
18
GuruFocus has detected 6 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 30-Y Financials

Financials (Next Earnings Date: 2017-10-20)


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

» Details

Guru Trades

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
Q1 2017

CHMG Guru Trades in Q1 2017

Jim Simons 39,100 sh (+13.99%)
Chuck Royce 45,512 sh (unchged)
» More
Q2 2017

CHMG Guru Trades in Q2 2017

Jim Simons 41,951 sh (+7.29%)
Chuck Royce 45,512 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CHMG

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:MSL, NAS:BPRN, NAS:BCBP, NAS:ESXB, NAS:ACNB, NAS:ORRF, NAS:CSTR, NAS:FBIZ, NAS:HBMD, NAS:UNTY, NAS:SHBI, NAS:FRBA, NAS:ISTR, NAS:NWFL, OTCBB:CZFS, NAS:PEBK, NAS:FSBW, NAS:PMBC, NAS:SMBK, OTCPK:MVBF » details
Headquarter Location:USA
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, 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.

Top Ranked Articles about Chemung Financial Corp

Chemung Financial Announces Quarterly Dividend
Director Invests in Chemung Financial Insider purchases 2,250 shares
Thomas Granter, a director of Chemung Financial Corp. (NASDAQ:CHMG), purchased 2,250 shares of the company between Feb. 17 and March 6, according to SEC filings. Read more...
Chemung Canal to Relocate Downtown Auburn Branch

Moving next door on Genesee Street

ELMIRA, N.Y., March 17, 2017 (GLOBE NEWSWIRE) -- Chemung Canal Trust Company (CCTC) today announced it will be relocating its downtown Auburn, NY branch office to the building next door. The move is expected to take place later this spring or early summer. 
“We love being downtown but our current location is a giant space, far exceeding the amount of square footage needed to efficiently and effectively provide services to our customers,” said Anders M. Tomson, Chemung Canal Trust Company President & CEO.  “When the opportunity became available to move next door we jumped at it.  It’s like the best of both worlds,” he added.  According to the Bank, the branch will relocate from 120 Genesee Street to 110 Genesee Street, a move about 50 yards east from its current location. The new branch will be approximately 2,800 square feet, roughly one-third the size of the current location. There will be no reduction in staff levels and there are no anticipated changes in office hours, once the move is complete. Chemung Canal entered the Auburn market in November 2013, when it purchased the Genesee Street and Grant Ave branches from Bank of America (BofA).  At that time CCTC also purchased four other BofA branches in Seneca Falls, Cortland and Ithaca.  “While our address is changing slightly, the one thing that will not change is our commitment to provide a full menu of products and services, delivered by a well-trained, highly qualified staff,” Tomson said. “Nino Pelligrino & Dawn Aubin lead a team of very engaged Auburn colleagues, we are pleased with the expansion of our impact within the community and look forward to even more opportunities in the months and years to come.”  Chemung Financial Corporation is a $1.7 billion financial services holding company headquartered in Elmira, New York and operates 33 retail offices through its principal subsidiary, Chemung Canal Trust Company, a full-service community bank with full trust powers.  Established in 1833, Chemung Canal Trust Company is the oldest locally-owned and managed community bank in New York State.  Chemung Financial Corporation is also the parent of CFS Group, Inc., a financial services subsidiary offering non-traditional services including mutual funds, annuities, brokerage services, tax preparation services and insurance, and Chemung Risk Management, Inc., a captive insurance company based in the State of Nevada.
Media Contact:
Michael J. Wayne
Senior Vice President
(607) 737-3762
[email protected]

Read more...

Ratios

vs
industry
vs
history
PE Ratio 18.20
CHMG's PE Ratio is ranked lower than
70% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CHMG: 18.20 )
Ranked among companies with meaningful PE Ratio only.
CHMG' s PE Ratio Range Over the Past 10 Years
Min: 7.27  Med: 13.73 Max: 27.01
Current: 18.2
7.27
27.01
PE Ratio without NRI 18.20
CHMG's PE Ratio without NRI is ranked lower than
70% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. CHMG: 18.20 )
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: 13.73 Max: 27.01
Current: 18.2
7.27
27.01
Price-to-Owner-Earnings 14.16
CHMG's Price-to-Owner-Earnings is ranked lower than
52% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. CHMG: 14.16 )
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: 10.33 Max: 92.41
Current: 14.16
5.79
92.41
PB Ratio 1.41
CHMG's PB Ratio is ranked lower than
67% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CHMG: 1.41 )
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: 1.44
Current: 1.41
0.67
1.44
PS Ratio 2.87
CHMG's PS Ratio is ranked higher than
58% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. CHMG: 2.87 )
Ranked among companies with meaningful PS Ratio only.
CHMG' s PS Ratio Range Over the Past 10 Years
Min: 1.2  Med: 1.83 Max: 3.14
Current: 2.87
1.2
3.14
Price-to-Free-Cash-Flow 11.99
CHMG's Price-to-Free-Cash-Flow is ranked lower than
53% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. CHMG: 11.99 )
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: 8.31 Max: 26.01
Current: 11.99
4.07
26.01
Price-to-Operating-Cash-Flow 10.78
CHMG's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. CHMG: 10.78 )
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: 7.01 Max: 12.31
Current: 10.78
3.12
12.31
EV-to-EBIT 9.57
CHMG's EV-to-EBIT is ranked higher than
59% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CHMG: 9.57 )
Ranked among companies with meaningful EV-to-EBIT only.
CHMG' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 6.5 Max: 19.4
Current: 9.57
0.1
19.4
EV-to-EBITDA 7.46
CHMG's EV-to-EBITDA is ranked higher than
65% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. CHMG: 7.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHMG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.1  Med: 5.2 Max: 11.3
Current: 7.46
0.1
11.3
EV-to-Revenue 2.14
CHMG's EV-to-Revenue is ranked higher than
73% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. CHMG: 2.14 )
Ranked among companies with meaningful EV-to-Revenue only.
CHMG' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.1  Med: 1.4 Max: 3.6
Current: 2.14
0.1
3.6
Shiller PE Ratio 19.28
CHMG's Shiller PE Ratio is ranked higher than
53% of the 508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. CHMG: 19.28 )
Ranked among companies with meaningful Shiller PE Ratio only.
CHMG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.82  Med: 11.72 Max: 19.74
Current: 19.28
5.82
19.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.34
CHMG's Dividend Yield % is ranked lower than
60% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. CHMG: 2.34 )
Ranked among companies with meaningful Dividend Yield % only.
CHMG' s Dividend Yield % Range Over the Past 10 Years
Min: 2.29  Med: 3.82 Max: 6.25
Current: 2.34
2.29
6.25
Dividend Payout Ratio 0.43
CHMG's Dividend Payout Ratio is ranked lower than
65% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CHMG: 0.43 )
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: 0.43
0.36
0.69
Forward Dividend Yield % 2.34
CHMG's Forward Dividend Yield % is ranked lower than
64% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CHMG: 2.34 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.46
CHMG's 5-Year Yield-on-Cost % is ranked lower than
68% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. CHMG: 2.46 )
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: 2.39  Med: 4 Max: 6.54
Current: 2.46
2.39
6.54
3-Year Average Share Buyback Ratio -0.80
CHMG's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. CHMG: -0.80 )
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: 0.5 Max: 2.6
Current: -0.8
-9.2
2.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.67
CHMG's Price-to-Tangible-Book is ranked lower than
70% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CHMG: 1.67 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CHMG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.88  Med: 1.29 Max: 1.89
Current: 1.67
0.88
1.89
Price-to-Intrinsic-Value-Projected-FCF 0.77
CHMG's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CHMG: 0.77 )
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: 0.34  Med: 0.54 Max: 0.94
Current: 0.77
0.34
0.94
Price-to-Median-PS-Value 1.57
CHMG's Price-to-Median-PS-Value is ranked lower than
83% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CHMG: 1.57 )
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: 0.71  Med: 1.32 Max: 4.92
Current: 1.57
0.71
4.92
Price-to-Graham-Number 1.16
CHMG's Price-to-Graham-Number is ranked lower than
68% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CHMG: 1.16 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CHMG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.43  Med: 0.88 Max: 1.28
Current: 1.16
0.43
1.28
Earnings Yield (Greenblatt) % 10.43
CHMG's Earnings Yield (Greenblatt) % is ranked higher than
69% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. CHMG: 10.43 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CHMG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.2  Med: 15.3 Max: 809.3
Current: 10.43
5.2
809.3
Forward Rate of Return (Yacktman) % 8.48
CHMG's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. CHMG: 8.48 )
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: 4.9  Med: 12.9 Max: 20.2
Current: 8.48
4.9
20.2

More Statistics

Revenue (TTM) (Mil) $73.98
EPS (TTM) $ 2.44
Beta0.30
Short Percentage of Float1.02%
52-Week Range $28.06 - 48.06
Shares Outstanding (Mil)4.74

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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