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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Chemung Financial's 10-Year RORE % for the quarter that ended in Mar. 2026 was 5.34%.
The industry rank for Chemung Financial's 10-Year RORE % or its related term are showing as below:
CHMG's 10-Year RORE % is ranked worse than 68.87% of 1089
companies
in the Banks industry
Industry Median: 10.22
vs CHMG: 5.34
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Chemung Financial 10-Year RORE % Related Terms
Chemung Financial 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Chemung Financial's 10-Year RORE % 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.
CHMG vs PKBK, FNLC, USCB: 10-Year RORE % Comparison
For the Banks - Regional subindustry, Chemung Financial's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Chemung Financial's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Chemung Financial's 10-Year RORE % falls into.
* 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Chemung Financial (CHMG) has a 10-Year RORE % of 5.34 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Chemung Financial and its competitors. According to the industry distribution chart, Chemung Financial ranks #750 out of 1089 companies in the Banks industry, placing it in the top 68.9%.
Is Chemung Financial's 10-Year RORE % too high?
Chemung Financial's current 10-Year RORE % is 5.34. The Banks industry median 10-Year RORE % is 10.22. Chemung Financial's value of 5.34 is 47.7% below this industry median. Based on the distribution chart, Chemung Financial ranks #750 out of 1089 companies in the Banks industry, which is below the industry midpoint. 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 10-Year RORE % compare to PKBK and FNLC?
According to the Banks industry distribution chart, Chemung Financial ranks #750 out of 1089 companies for 10-Year RORE %. This places Chemung Financial in the lower half of its industry. The industry median 10-Year RORE % is 10.22. Chemung Financial's value of 5.34 is 47.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.22, based on 1,089 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chemung Financial's current 10-Year RORE % of 5.34 is 47.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Chemung Financial and its competitors. For the Banks industry, the median 10-Year RORE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chemung Financial's current 10-Year RORE % is 5.34. 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 $52.97, compared to a current price of $81.60 — trading 54% above its estimated fair value. The current 10-Year RORE % is 5.34 and 47.7% below the Banks industry median of 10.22. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Chemung Financial (CHMG), the current 10-Year RORE % is 5.34 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 $81.60 is trading 54% above its estimated GF Value™ of $52.97.
GuruFocus considers Chemung Financial to be Significantly Overvalued.
Key valuation signals for CHMG:
10-Year RORE %: 5.34
GF Value™: $52.97 vs. price of $81.60 (54% above fair value)
Industry Position: 47.7% below the Banks median (#750 of 1089)
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 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
Get the complete analysis for CHMG
10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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