CHMG (Chemung Financial) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Chemung Financial LT-Debt-to-Total-Asset?

Chemung Financial CHMG -0.98% 58 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates CHMG with a GF Score™ of 58/100 and a GF Value™ of $51.78 (Significantly Overvalued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Chemung Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Chemung Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (0.02). It may suggest that Chemung Financial is progressively becoming more dependent on debt to grow their business.

Chemung Financial (NAS:CHMG) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Chemung Financial LT-Debt-to-Total-Asset Related Terms

Chemung Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Chemung Financial's LT-Debt-to-Total-Asset 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.

Chemung Financial LT-Debt-to-Total-Asset Chart

Chemung Financial Annual Data

Trend

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Dec25

LT-Debt-to-Total-Asset

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0.01

0.00

0.02

Chemung Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.02	0.02	0.02	0.02

58GF Score

Chemung Financial Corp CHMG

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Chemung Financial LT-Debt-to-Total-Asset Calculation

Chemung Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	52.409	/	2710.235
	=	0.02

Chemung Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	53.089	/	2748.722
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Chemung Financial (CHMG) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Chemung Financial and its competitors.

Is Chemung Financial's LT-Debt-to-Total-Asset too high?

Chemung Financial's current LT-Debt-to-Total-Asset is 0.02. Overall, Chemung Financial has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Chemung Financial's LT-Debt-to-Total-Asset compare to AVBH and BCML?

Chemung Financial's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Chemung Financial and its competitors. Chemung Financial's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Chemung Financial stock overvalued right now?

Based on GuruFocus' analysis, Chemung Financial (CHMG) is currently considered Significantly Overvalued. The stock's GF Value™ is $51.78, compared to a current price of $73.95 — trading 42.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Chemung Financial's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Chemung Financial (CHMG), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Chemung Financial (CHMG) Overvalued in 2026?

Based on GuruFocus' analysis, Chemung Financial stock appears to be overvalued. The current stock price of $73.95 is trading 42.8% above its estimated GF Value™ of $51.78. GuruFocus considers Chemung Financial to be Significantly Overvalued.

Key valuation signals for CHMG:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $51.78 vs. price of $73.95 (42.8% above fair value)
GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the CHMG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Chemung Financial Business Description

Industry Financial Services Banks

Comparable Companies AVBH BCML CZFS TSBK NWFL WSBF USCB MVBF RVRF AVBC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address One Chemung Canal Plaza, 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.

58GF Score

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$73.95

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$51.78

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