CHMG (Chemung Financial) Debt-to-Revenue : 1.16 (As of Dec. 2024)

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What is Chemung Financial Debt-to-Revenue?

Debt-to-Revenue measures a company's ability to pay off its debt.

Chemung Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $109.11 Mil. Chemung Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $9.41 Mil. Chemung Financial's annualized Revenue for the quarter that ended in Dec. 2024 was $102.01 Mil. Chemung Financial's annualized Debt-to-Revenue for the quarter that ended in Dec. 2024 was 1.16.

Chemung Financial Debt-to-Revenue Historical Data

The historical data trend for Chemung Financial's Debt-to-Revenue can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Chemung Financial Debt-to-Revenue Chart

Chemung Financial Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Debt-to-Revenue

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0.13

0.29

1.12

0.42

1.23

Chemung Financial Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Debt-to-Revenue	Get a 7-Day Free Trial															0.43	0.10	0.97	0.62	1.16

Competitive Comparison of Chemung Financial's Debt-to-Revenue

For the Banks - Regional subindustry, Chemung Financial's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Chemung Financial's Debt-to-Revenue Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Chemung Financial's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where Chemung Financial's Debt-to-Revenue falls into.

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Chemung Financial Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

Chemung Financial's Debt-to-Revenue for the fiscal year that ended in Dec. 2024 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(109.11	+	9.408)	/	96.107
	=	1.23

Chemung Financial's annualized Debt-to-Revenue for the quarter that ended in Dec. 2024 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(109.11	+	9.408)	/	102.012
	=	1.16

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is four times the quarterly (Dec. 2024) Revenue data.

Chemung Financial Debt-to-Revenue Related Terms

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Chemung Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Chemung Financial Corp (NAS:CHMG) » Definitions » Debt-to-Revenue

Comparable Companies

Traded in Other Exchanges

N/A

Address

One Chemung Canal Plaza, PO Box 1522, Elmira, NY, USA, 14901

Website

https://www.chemungcanal.com

Chemung Financial Corp is a bank holding firm. Through its subsidiaries, the company provides various financial services, including demand, savings, and time deposits, commercial, residential, and consumer loans, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services, among others. The company's reportable segments are Core Banking, Wealth Management (WMG) services, and Holding company and CFS. Maximum revenue is generated from the Core Banking segment, which derives revenue by attracting deposits from the general public and using such funds to originate different types of loans, and to invest in securities. The Wealth Management (WMG) services segment provides trust and investment advisory services to clients.

Executives

Meade Joseph F Iv	director	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Loren D Cole	officer: Executive Vice President	ONE CHEMUNG CANAL PLAZA, ELMIRA NY 14901
Tranter G. Thomas Jr.	director	ONE CHEMUNG CANAL PLAZA, ELMIRA NY 14901
Thomas W Wirth	officer: Senior Vice President	ONE CHEMUNG CANAL PLAZA, P.O. BOX 1522, ELMIRA NY 14902-1522
Daniel D Fariello	officer: President, Capital Bank Div.	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Archibold Raimundo C. Jr	director	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Mckim Dale M. Iii	officer: EVP, CFO & Treasurer	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Jeffrey P. Kenefick	officer: Regional President	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Thomas R. Tyrrell	director	ONE CHEMUNG CANAL PLAZA, ELMIRA NY 14901
John J Stempin	officer: Controller	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Ronald M Bentley	officer: President & COO	ONE CHEMUNG CANAL PLAZA, ELMIRA NY 14901
Koen G. Long	officer: Controller	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Denise V Gonick	director	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Jeffrey B Streeter	director	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522
Robert H Dalrymple	director, 10 percent owner	ONE CHEMUNG CANAL PLAZA, PO BOX 1522, ELMIRA NY 14902-1522