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Chemung Financial Corporation (CHMG)

Financial Services | Banks - Regional | Elmira, United States | NasdaqGS
74.90 USD -0.16 (-0.213%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 2:45 a.m. EDT

The most compelling signal here is the robust recovery in the company's multi-year price trajectory, which has erased previous declines to deliver a massive cumulative gain over the last nine years. This upward trend coincides with a significant acceleration in earnings growth, which jumped to over 50% recently, suggesting the market is finally pricing in a turnaround in the regional banking sector. While the forward P/E looks stretched compared to historical norms, the combination of improving profitability and a clean balance sheet supports a solid long-term buy rating. On the short end, the stock is trading near its 52-week highs with positive momentum, though it remains slightly below its 50-day average, indicating some recent consolidation before the latest rally. The statistical forecast models offer a moderate bullish lean for the coming month, aligning with the technical setup. However, investors should note that the dividend yield is modest and the payout ratio, while sustainable, does not offer a high-income buffer; the investment case rests entirely on capital appreciation driven by the earnings rebound.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.024957
AutoARIMA0.052102
AutoETS0.052104
MSTL0.059090

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 49%
H-stat 0.92
Ljung-Box p 0.000
Jarque-Bera p 0.837
Excess Kurtosis -0.43
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-16
Last Dividend Date 2026-06-16
Revenue per Share 19.814
Market Cap 361,004,512
Trailing P/E 19.76
Forward P/E 10.01
Beta 0.60
Profit Margins 19.17%
Website https://www.chemungcanal.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.48% 2.38% 2.62% 2.72%
Dividend History
Date Dividend Yield %
2026-06-17 0.34 0.483986
2026-03-18 0.34 0.663415
2025-12-19 0.34 0.588134
2025-09-17 0.34 0.647619
2025-06-17 0.32 0.692191
2025-03-18 0.32 0.667362
2024-12-19 0.31 0.623742
2024-09-19 0.31 0.635376
2024-06-17 0.31 0.734597
2024-03-15 0.31 0.738095
2023-12-18 0.31 0.632653
2023-09-15 0.31 0.767137
2023-06-16 0.31 0.787802
2023-03-17 0.31 0.703746
2022-12-19 0.31 0.712644
2022-09-16 0.31 0.735120
2022-06-16 0.31 0.723792
2022-03-17 0.31 0.678783
2021-12-17 0.31 0.699932
2021-09-16 0.31 0.680720
2021-06-16 0.31 0.724807
2021-03-17 0.26 0.638978
2020-12-18 0.26 0.749280
2020-09-16 0.26 0.874832
2020-06-16 0.26 0.907504
2020-03-17 0.26 0.991609
2019-12-20 0.26 0.580357
2019-09-16 0.26 0.583090
2019-06-14 0.26 0.571429
2019-03-15 0.26 0.557222
2018-12-18 0.26 0.626506
2018-09-14 0.26 0.633837
2018-06-15 0.26 0.505935
2018-03-16 0.26 0.550032
2017-12-18 0.26 0.478821
2017-09-15 0.26 0.647410
2017-06-15 0.26 0.647894
2017-03-16 0.26 0.710383
2016-12-16 0.26 0.734878
2016-09-15 0.26 0.903405
2016-06-15 0.26 0.853859
2016-03-16 0.26 0.968343
2015-12-16 0.26 0.952381
2015-09-15 0.26 0.954128
2015-06-15 0.26 0.981502
2015-03-13 0.26 0.947177
2014-12-17 0.26 0.928571
2014-09-15 0.26 0.926916
2014-06-13 0.26 0.869565
2014-03-13 0.26 0.941347
2013-12-17 0.26 0.809213
2013-09-13 0.26 0.769914
2013-06-13 0.26 0.769458
2013-03-14 0.26 0.859504
2012-12-13 0.25 0.978474
2012-09-13 0.25 1.046025
2012-06-13 0.25 0.996016
2012-03-14 0.25 0.976562
2011-12-14 0.25 1.084599
2011-09-14 0.25 1.046025
2011-06-15 0.25 1.089325
2011-03-16 0.25 1.052632
2010-12-15 0.25 1.176471
2010-09-15 0.25 1.190476
2010-06-15 0.25 1.231527
2010-03-26 0.25 1.228501
2009-12-24 0.25 1.157407
2009-09-15 0.25 1.176471
2009-06-15 0.25 1.315789
2009-03-13 0.25 1.449275
2009-01-05 0.25 1.190476
2008-09-15 0.25 1.041667
2008-06-13 0.25 0.943396
2008-03-13 0.25 0.925926
2007-12-13 0.25 0.892857
2007-09-13 0.24 0.855615
2007-06-15 0.24 0.804020
2007-03-15 0.24 0.750234
2006-12-14 0.24 0.716418
2006-10-04 0.24 0.774194
2006-06-15 0.24 0.823328
2006-03-16 0.24 0.788177
2005-12-15 0.24 0.797342
2005-09-29 0.24 0.786885
2005-06-23 0.24 0.738462
2005-03-23 0.24 0.727273
2004-12-22 0.24 0.727273
2004-09-23 0.23 0.741935
2004-06-24 0.23 0.804196
2004-03-25 0.23 0.705522
2003-12-18 0.23 0.666667
2003-09-18 0.23 0.721003
2003-06-19 0.23 0.723270
2003-03-20 0.23 0.888031
2002-12-19 0.23 0.879541
2002-09-19 0.23 0.819964
2002-06-20 0.23 0.809859
2002-03-20 0.23 0.809859
2001-12-19 0.23 0.790378
2001-09-19 0.23 0.828829
2001-06-20 0.22 1.000000
2001-03-21 0.22 1.100000
2000-12-20 0.22 1.142857
Additional Data
dividendRate 1.36
dividendYield 1.81
exDividendDate 2026-06-17
trailingAnnualDividendRate 1.34
trailingAnnualDividendYield 0.017852386
lastDividendValue 0.34
lastDividendDate 2026-06-17
dividendDate 2026-07-01

Info Dump

Attribute Value
52 Week Change 0.3938719
Address1 One Chemung Canal Plaza
All Time High 76.68
All Time Low 15.0
Ask 75.29
Ask Size 1
Audit Risk 5
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 49,430
Average Daily Volume3 Month 40,134
Average Volume 40,134
Average Volume10Days 49,430
Beta 0.604
Bid 75.2
Bid Size 1
Board Risk 5
Book Value 54.563
City Elmira
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 74.9
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 76.12
Day Low 74.6
Display Name Chemung Financial
Dividend Date 1,782,864,000
Dividend Rate 1.36
Dividend Yield 1.81
Earnings Growth 0.517
Earnings Quarterly Growth 0.527
Earnings Timestamp 1,784,750,400
Earnings Timestamp End 1,784,750,400
Earnings Timestamp Start 1,784,750,400
Ebitda Margins 0.0
Enterprise To Revenue 4.578
Enterprise Value 436,560,512
Eps Current Year 7.15
Eps Forward 7.48
Eps Trailing Twelve Months 3.79
Esg Populated 0
Ex Dividend Date 1,781,654,400
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 70.2812
Fifty Day Average Change 4.618805
Fifty Day Average Change Percent 0.06571893
Fifty Two Week Change Percent 39.38719
Fifty Two Week High 76.68
Fifty Two Week High Change -1.7799988
Fifty Two Week High Change Percent -0.023213338
Fifty Two Week Low 48.61
Fifty Two Week Low Change 26.29
Fifty Two Week Low Change Percent 0.5408352
Fifty Two Week Range 48.61 - 76.68
Financial Currency USD
First Trade Date Milliseconds 915,460,200,000
Five Year Avg Dividend Yield 2.64
Float Shares 3,513,167
Forward Eps 7.48
Forward P E 10.01337
Full Exchange Name NasdaqGS
Full Time Employees 348
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 95,354,000
Has Pre Post Market Data 1
Held Percent Insiders 0.1807
Held Percent Institutions 0.47875
Implied Shares Outstanding 4,819,820
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,781,654,400
Last Dividend Value 0.34
Last Fiscal Year End 1,767,139,200
Long Business Summary Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.
Long Name Chemung Financial Corporation
Market us_market
Market Cap 361,004,512
Market State PRE
Max Age 86,400
Message Board Id finmb_3103644
Most Recent Quarter 1,774,915,200
Net Income To Common 18,280,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 361,775,689
Number Of Analyst Opinions 2
Open 74.61
Operating Cashflow 47,357,000
Operating Margins 0.41511002
Overall Risk 6
Payout Ratio 0.3536
Phone 607 737 3711
Pre Market Change 0.0
Pre Market Change Percent 0.0
Pre Market Price 74.9
Pre Market Time 1,784,016,701
Previous Close 75.06
Price Eps Current Year 10.475525
Price Hint 2
Price To Book 1.3727251
Price To Sales Trailing12 Months 3.78594
Profit Margins 0.19171
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change -0.159996
Regular Market Change Percent -0.213158
Regular Market Day High 76.12
Regular Market Day Low 74.6
Regular Market Day Range 74.6 - 76.12
Regular Market Open 74.61
Regular Market Previous Close 75.06
Regular Market Price 74.9
Regular Market Time 1,783,972,801
Regular Market Volume 99,054
Return On Assets 0.00659
Return On Equity 0.07442
Revenue Growth 0.191
Revenue Per Share 19.814
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 4,819,820
Shares Percent Shares Out 0.0168
Shares Short 80,780
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 32,302
Short Name Chemung Financial Corp
Short Percent Of Float 0.019199999
Short Ratio 1.64
Source Interval 15
State NY
Symbol CHMG
Target High Price 77.0
Target Low Price 68.5
Target Mean Price 72.75
Target Median Price 72.75
Total Cash 70,041,000
Total Cash Per Share 14.532
Total Debt 145,596,992
Total Revenue 95,354,000
Tradeable 0
Trailing Annual Dividend Rate 1.34
Trailing Annual Dividend Yield 0.017852386
Trailing Eps 3.79
Trailing P E 19.762533
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 59.2109
Two Hundred Day Average Change 15.689102
Two Hundred Day Average Change Percent 0.26496983
Type Disp Equity
Volume 99,054
Website https://www.chemungcanal.com
Zip 14,901