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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 9.15
CHMG's Cash-to-Debt is ranked higher than
62% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CHMG: 9.15 )
Ranked among companies with meaningful Cash-to-Debt only.
CHMG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.36  Med: 1.42 Max: No Debt
Current: 9.15
Equity-to-Asset 0.09
CHMG's Equity-to-Asset is ranked lower than
59% of the 1591 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
Interest Coverage 3.93
CHMG's Interest Coverage is ranked higher than
72% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CHMG: 3.93 )
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: 3.93
Current: 3.93
0.6
3.93
Beneish M-Score: -2.33
WACC vs ROIC
4.76%
16.09%
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 % 20.03
CHMG's Operating Margin % is ranked lower than
76% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CHMG: 20.03 )
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: 20.03
14.52
28.07
Net Margin % 14.07
CHMG's Net Margin % is ranked lower than
77% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CHMG: 14.07 )
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: 14.07
10.69
18.65
ROE % 7.14
CHMG's ROE % is ranked lower than
62% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CHMG: 7.14 )
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: 7.14
5.99
10.78
ROA % 0.61
CHMG's ROA % is ranked lower than
68% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CHMG: 0.61 )
Ranked among companies with meaningful ROA % only.
CHMG' s ROA % Range Over the Past 10 Years
Min: 0.54  Med: 0.77 Max: 1.04
Current: 0.61
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 1354 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
55% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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
59% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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 7 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: 2017-07-21 Est.)


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

» Details

Guru Trades

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
Q1 2017

CHMG Guru Trades in Q1 2017

Jim Simons 39,100 sh (+13.99%)
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:NAS:PMBC, NAS:PWOD, OTCBB:CZFS, NAS:HBMD, NAS:ESXB, NAS:ORRF, NAS:SBCP, NAS:UNB, NAS:SMBK, NAS:BCBP, OTCPK:MCBS, AMEX:EVBN, NAS:FFNW, NAS:CFNB, NAS:FGBI, NAS:NBN, NAS:ISTR, NAS:ACNB, NAS:INBK, NAS:LCNB » 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 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.

Top Ranked Articles about Chemung Financial Corp

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 18.09
CHMG's PE Ratio is ranked lower than
68% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CHMG: 18.09 )
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: 18.09
7.27
27.01
PE Ratio without NRI 18.09
CHMG's PE Ratio without NRI is ranked lower than
68% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CHMG: 18.09 )
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: 18.09
7.27
27.01
Price-to-Owner-Earnings 10.39
CHMG's Price-to-Owner-Earnings is ranked higher than
65% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CHMG: 10.39 )
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: 10.34 Max: 92.41
Current: 10.39
5.79
92.41
PB Ratio 1.25
CHMG's PB Ratio is ranked lower than
56% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CHMG: 1.25 )
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: 1.25
0.67
1.46
PS Ratio 2.55
CHMG's PS Ratio is ranked higher than
67% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CHMG: 2.55 )
Ranked among companies with meaningful PS Ratio only.
CHMG' s PS Ratio Range Over the Past 10 Years
Min: 1.2  Med: 1.84 Max: 3.18
Current: 2.55
1.2
3.18
Price-to-Free-Cash-Flow 8.79
CHMG's Price-to-Free-Cash-Flow is ranked higher than
61% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CHMG: 8.79 )
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: 45.79
Current: 8.79
4.07
45.79
Price-to-Operating-Cash-Flow 8.17
CHMG's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CHMG: 8.17 )
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: 8.17
3.12
14.44
EV-to-EBIT 4.97
CHMG's EV-to-EBIT is ranked higher than
64% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CHMG: 4.97 )
Ranked among companies with meaningful EV-to-EBIT only.
CHMG' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 6.65 Max: 19.4
Current: 4.97
0.1
19.4
EV-to-EBITDA 3.71
CHMG's EV-to-EBITDA is ranked higher than
71% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CHMG: 3.71 )
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: 3.71
0.1
11.3
Shiller PE Ratio 17.10
CHMG's Shiller PE Ratio is ranked higher than
65% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CHMG: 17.10 )
Ranked among companies with meaningful Shiller PE Ratio only.
CHMG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.82  Med: 11.3 Max: 17.32
Current: 17.1
5.82
17.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.66
CHMG's Dividend Yield % is ranked lower than
51% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CHMG: 2.66 )
Ranked among companies with meaningful Dividend Yield % only.
CHMG' s Dividend Yield % Range Over the Past 10 Years
Min: 2.63  Med: 3.81 Max: 6.25
Current: 2.66
2.63
6.25
Dividend Payout Ratio 0.48
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: 0.48 )
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: 0.48
0.36
0.69
Forward Dividend Yield % 2.66
CHMG's Forward Dividend Yield % is ranked lower than
56% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CHMG: 2.66 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.78
CHMG's 5-Year Yield-on-Cost % is ranked lower than
59% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CHMG: 2.78 )
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: 2.75  Med: 3.98 Max: 6.54
Current: 2.78
2.75
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 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.49
CHMG's Price-to-Tangible-Book is ranked lower than
64% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CHMG: 1.49 )
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: 1.27 Max: 1.81
Current: 1.49
0.88
1.81
Price-to-Intrinsic-Value-Projected-FCF 0.67
CHMG's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
59% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CHMG: 0.67 )
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: 0.67
0.34
0.94
Price-to-Median-PS-Value 1.38
CHMG's Price-to-Median-PS-Value is ranked lower than
73% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CHMG: 1.38 )
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: 0.7  Med: 1.29 Max: 4.91
Current: 1.38
0.7
4.91
Price-to-Graham-Number 1.10
CHMG's Price-to-Graham-Number is ranked lower than
64% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CHMG: 1.10 )
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: 0.9 Max: 1.28
Current: 1.1
0.43
1.28
Earnings Yield (Greenblatt) % 20.12
CHMG's Earnings Yield (Greenblatt) % is ranked higher than
72% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CHMG: 20.12 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CHMG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.2  Med: 15.05 Max: 809.3
Current: 20.12
5.2
809.3
Forward Rate of Return (Yacktman) % 8.12
CHMG's Forward Rate of Return (Yacktman) % is ranked lower than
66% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CHMG: 8.12 )
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: 8.12
4.9
20.2

More Statistics

Revenue (TTM) (Mil) $73.19
EPS (TTM) $ 2.16
Beta0.29
Short Percentage of Float1.21%
52-Week Range $27.45 - 40.50
Shares Outstanding (Mil)4.73

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