📊 CHMG Key Takeaways
Is Chemung Financial Corp. (CHMG) a Good Investment?
Despite impressive 52.4% revenue growth and healthy operating margins, Chemung Financial faces critical structural profitability challenges. Interest coverage ratio of 0.9x indicates the bank cannot cover interest expenses from operating income, while ROA of 0.3% and ROE of 3.5% are severely depressed for a financial institution, signaling fundamental asset quality or margin compression issues.
CHEMUNG FINANCIAL CORP shows solid top-line growth and positive cash generation, but the quality of that growth is weakened by a sharp decline in net income and diluted EPS. Profitability remains modest for a bank, with low ROE and ROA plus thin interest coverage, suggesting fundamentals are stable but not strong enough to support a more aggressive rating.
Chemung Financial Corp. Key Strengths (CHMG)
- 52.4% YoY revenue growth demonstrates strong business activity and market demand
- 27.4% net margin and 35.3% operating margin indicate pricing power and operational efficiency
- Conservative 0.38x debt-to-equity ratio and $53.4M cash position provide balance sheet stability
- Revenue grew 52.4% year over year, showing strong business expansion
- Balance sheet leverage appears manageable with debt-to-equity of 0.39x
- Operating cash flow and free cash flow are strong relative to reported revenue
CHMG Stock Risks: Chemung Financial Corp. Investment Risks
- Interest coverage ratio of 0.9x is critical - operating income fails to cover interest expenses, indicating severe stress in net interest margin or deposit costs
- ROA of 0.3% and ROE of 3.5% are severely depressed for a bank; typically banks target 1%+ ROA and 10%+ ROE, suggesting poor asset quality or loan performance
- EPS declined 36.7% YoY while revenue grew 52.4%, indicating deteriorating profitability per share despite top-line growth; suggests loan losses, provision increases, or significant dilution
- Net income fell 36.2% year over year despite revenue growth, indicating margin pressure or weaker earnings quality
- ROE of 5.9% and ROA of 0.6% point to below-average profitability
- Interest coverage of 1.5x suggests limited earnings cushion against funding and interest-cost pressure
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 1.5x to indicate viability
- Net interest margin and deposit cost dynamics
- Non-performing loan ratios and loan loss provisions
- ROA and ROE improvement trajectory toward industry benchmarks
- Net interest margin and operating margin trend
- ROE/ROA recovery alongside EPS growth
Chemung Financial Corp. (CHMG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 26.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CHMG Profit Margin, ROE & Profitability Analysis
CHMG vs Finance Sector: How Chemung Financial Corp. Compares
How Chemung Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Chemung Financial Corp. Stock Overvalued? CHMG Valuation Analysis 2026
Based on fundamental analysis, Chemung Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Chemung Financial Corp. Balance Sheet: CHMG Debt, Cash & Liquidity
CHMG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Chemung Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $4.96 reflects profitable operations.
CHMG Revenue Growth, EPS Growth & YoY Performance
Chemung Financial Corp. Dividends, Buybacks & Capital Allocation
CHMG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Chemung Financial Corp. (CIK: 0000763563)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CHMG
What is the AI rating for CHMG?
Chemung Financial Corp. (CHMG) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CHMG's key strengths?
Claude: 52.4% YoY revenue growth demonstrates strong business activity and market demand. 27.4% net margin and 35.3% operating margin indicate pricing power and operational efficiency. ChatGPT: Revenue grew 52.4% year over year, showing strong business expansion. Balance sheet leverage appears manageable with debt-to-equity of 0.39x.
What are the risks of investing in CHMG?
Claude: Interest coverage ratio of 0.9x is critical - operating income fails to cover interest expenses, indicating severe stress in net interest margin or deposit costs. ROA of 0.3% and ROE of 3.5% are severely depressed for a bank; typically banks target 1%+ ROA and 10%+ ROE, suggesting poor asset quality or loan performance. ChatGPT: Net income fell 36.2% year over year despite revenue growth, indicating margin pressure or weaker earnings quality. ROE of 5.9% and ROA of 0.6% point to below-average profitability.
What is CHMG's revenue and growth?
Chemung Financial Corp. reported revenue of $33.6M.
Does CHMG pay dividends?
Chemung Financial Corp. pays dividends, with $1.6M distributed to shareholders in the trailing twelve months.
Where can I find CHMG SEC filings?
Official SEC filings for Chemung Financial Corp. (CIK: 0000763563) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CHMG's EPS?
Chemung Financial Corp. has a diluted EPS of $1.91.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CHMG's fundamental grade?
Based on our AI fundamental analysis in June 2026, Chemung Financial Corp. has a C grade with 76% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CHMG stock overvalued or undervalued?
Valuation metrics for CHMG: ROE of 3.5% (sector avg: 12%), net margin of 27.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CHMG's AI grade for 2026?
Our dual AI analysis gives Chemung Financial Corp. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is CHMG's free cash flow?
Chemung Financial Corp.'s operating cash flow is $9.0M, with capital expenditures of $133.0K. FCF margin is 26.5%.
How does CHMG compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.4% (avg: 25%), ROE 3.5% (avg: 12%), current ratio N/A (avg: 1.2).