Chemung Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Chemung Financial Corp
CHMG Stock  USD 59.44  1.24  2.04%   
Chemung Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Chemung Financial's valuation are provided below:
Gross Profit
90.7 M
Profit Margin
0.1666
Market Capitalization
285.8 M
Enterprise Value Revenue
4.5276
Revenue
90.7 M
There are over one hundred nineteen available fundamental signals for Chemung Financial Corp, which can be analyzed over time and compared to other ratios. Active traders should verify all of Chemung Financial Corp prevailing fundamental drivers against the trend between 2010 and 2026 to make sure the company can sustain itself down the road. The current Market Cap is estimated to decrease to about 81.3 M. Enterprise Value is estimated to decrease to about 106.7 M

Chemung Financial Total Revenue

72.59 Million

Check Chemung Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Chemung Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 3.5 M, Interest Expense of 48 M or Selling General Administrative of 22.5 M, as well as many indicators such as Price To Sales Ratio of 2.4, Dividend Yield of 0.035 or PTB Ratio of 1.32. Chemung financial statements analysis is a perfect complement when working with Chemung Financial Valuation or Volatility modules.
  
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Check out the analysis of Chemung Financial Correlation against competitors.

Chemung Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.4 B2.7 B1.8 B
Slightly volatile
Total Current Liabilities2.4 B2.3 B1.5 B
Slightly volatile
Total Stockholder Equity128.4 M254.7 M159.9 M
Slightly volatile
Property Plant And Equipment Net22.7 M25.1 M25 M
Very volatile
Retained Earnings269.3 M256.5 M158.7 M
Slightly volatile
Cash21.6 M22.8 M53.3 M
Very volatile
Non Current Assets Total2.5 B2.4 B1.4 B
Slightly volatile
Cash And Short Term Investments244.8 M303.4 M412.4 M
Slightly volatile
Net Receivables71.8 M68.4 M37.1 M
Slightly volatile
Common Stock Total Equity45.3 K47.7 K624.6 K
Slightly volatile
Common Stock Shares Outstanding4.7 M4.8 M4.7 M
Slightly volatile
Liabilities And Stockholders Equity1.4 B2.7 B1.8 B
Slightly volatile
Non Current Liabilities Total194.1 M184.9 M54 M
Slightly volatile
Other Stockholder Equity20.2 M34.2 M28.2 M
Slightly volatile
Total Liabilities1.3 B2.5 B1.7 B
Slightly volatile
Property Plant And Equipment Gross112 M106.7 M43.6 M
Slightly volatile
Total Current Assets286.5 M303.4 M488 M
Pretty Stable
Common Stock45.3 K47.7 K624.6 K
Slightly volatile
Good Will18.7 M19.6 M20.7 M
Pretty Stable
Other Current Assets49.1 M51.7 M399.4 M
Slightly volatile
Intangible Assets12.8 K13.5 K2.5 M
Slightly volatile
Short and Long Term Debt Total4.7 M4.9 M46.9 M
Pretty Stable
Accounts Payable23.7 M22.6 M16.8 M
Slightly volatile
Short Term Debt103.1 M98.2 M50.2 M
Slightly volatile
Short Term Investments266.6 M280.6 M15.5 B
Slightly volatile
Other Liabilities15.9 M19.2 M15.6 M
Pretty Stable
Long Term Debt93.7 M89.2 M44 M
Slightly volatile
Property Plant Equipment28.7 M25.9 M26.1 M
Pretty Stable
Net Tangible Assets145.7 M166.2 M134.6 M
Slightly volatile
Retained Earnings Total Equity153.1 M243.6 M152.4 M
Slightly volatile
Capital Surpluse50.6 M54.4 M46.9 M
Slightly volatile
Long Term Investments781.4 M481.9 M925.6 M
Slightly volatile
Non Current Liabilities Other127.7 M121.6 M52.6 M
Slightly volatile
Long Term Debt Total25.7 M24.5 M20.5 M
Pretty Stable
Earning Assets387.2 M446.4 M371.8 M
Slightly volatile
Capital Lease Obligations8 M10.8 M6.6 M
Slightly volatile
Net Invested Capital249.7 M373.1 M229.7 M
Slightly volatile
Capital Stock42.4 K47.7 K52.1 K
Slightly volatile

Chemung Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization3.5 M2.3 M3.7 M
Pretty Stable
Interest Expense48 M45.7 M14.8 M
Slightly volatile
Selling General Administrative22.5 M40.6 M28.6 M
Slightly volatile
Total Revenue72.6 M139.9 M85.8 M
Slightly volatile
Gross Profit56.5 M89.8 M72.9 M
Slightly volatile
Other Operating Expenses126 M120 M65 M
Slightly volatile
Operating Income16.8 M19.9 M20.2 M
Slightly volatile
EBIT36.3 M34.6 M22.2 M
Slightly volatile
EBITDA20.2 M19.9 M23.6 M
Slightly volatile
Cost Of Revenue52.6 M50.1 M16.5 M
Slightly volatile
Income Before Tax16.8 M19.9 M20.2 M
Slightly volatile
Net Income12.2 M15.1 M15 M
Slightly volatile
Income Tax Expense4.6 M4.8 M5.1 M
Slightly volatile
Net Income Applicable To Common Shares34.8 M33.1 M18.1 M
Slightly volatile
Selling And Marketing Expenses1.1 M1.2 M977.4 K
Pretty Stable
Net Income From Continuing Ops20.1 M27.2 M18.5 M
Slightly volatile
Non Recurring1.5 M765 K2 M
Slightly volatile
Tax Provision6.2 M7.4 M5.5 M
Slightly volatile
Net Interest Income69.5 M85.2 M61.2 M
Slightly volatile
Interest Income83.6 M146.7 M74.2 M
Slightly volatile
Reconciled Depreciation2.3 M1.8 M3.4 M
Slightly volatile

Chemung Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow16.6 M30.1 M22.1 M
Slightly volatile
Begin Period Cash Flow51.6 M42.4 M57.1 M
Pretty Stable
Depreciation3.5 M2.3 M3.7 M
Pretty Stable
Capital Expenditures1.9 M3.3 M1.8 M
Pretty Stable
Total Cash From Operating Activities19.2 M34.3 M24 M
Slightly volatile
Net Income28.6 M27.2 M16.7 M
Slightly volatile
End Period Cash Flow52.2 M54.1 M59 M
Very volatile
Issuance Of Capital Stock471.7 K387 K595.9 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.41.91832.1118
Pretty Stable
Dividend Yield0.0350.02370.0299
Slightly volatile
PTB Ratio1.321.0541.1204
Pretty Stable
Days Sales Outstanding110192143
Slightly volatile
Book Value Per Share55.5952.94335.6085
Slightly volatile
Free Cash Flow Yield0.0880.10.1216
Pretty Stable
Operating Cash Flow Per Share3.225.634.9558
Slightly volatile
Average Payables961.9 K911.1 K818.9 K
Pretty Stable
Stock Based Compensation To Revenue0.00430.00740.0054
Slightly volatile
Capex To Depreciation2.172.070.6862
Slightly volatile
PB Ratio1.321.0541.1204
Pretty Stable
EV To Sales2.571.79091.9641
Very volatile
Free Cash Flow Per Share2.764.944.5629
Slightly volatile
ROIC0.04590.03440.0644
Pretty Stable
Net Income Per Share2.023.13953.1585
Slightly volatile
Payables Turnover2.332.462.0928
Slightly volatile
Sales General And Administrative To Revenue0.350.28990.3458
Slightly volatile
Capex To Revenue0.05090.02790.0248
Slightly volatile
Cash Per Share38.4263.057686.613
Slightly volatile
POCF Ratio9.088.987.7358
Very volatile
Interest Coverage0.410.43643.3574
Very volatile
Payout Ratio0.450.42050.3869
Slightly volatile
Capex To Operating Cash Flow0.210.140.0985
Slightly volatile
PFCF Ratio12.2410.228.7487
Pretty Stable
Days Payables Outstanding146154655
Very volatile
Income Quality1.351.131.6692
Slightly volatile
ROE0.110.05930.0943
Slightly volatile
EV To Operating Cash Flow10.2111.737.7878
Very volatile
PE Ratio10.6417.773713.1858
Pretty Stable
Return On Tangible Assets0.01030.00560.0083
Pretty Stable
EV To Free Cash Flow13.6513.368.9228
Very volatile
Earnings Yield0.06650.05630.0846
Pretty Stable
Intangibles To Total Assets0.00940.00810.0135
Slightly volatile
Current Ratio0.130.13360.255
Pretty Stable
Tangible Book Value Per Share50.8348.406830.8143
Slightly volatile
Receivables Turnover3.051.972.718
Slightly volatile
Graham Number30.7961.153948.1382
Slightly volatile
Shareholders Equity Per Share55.5952.94335.5725
Slightly volatile
Debt To Equity0.01840.01940.3097
Slightly volatile
Capex Per Share0.630.870.4133
Very volatile
Average Receivables5.2 M5.8 M6.3 M
Slightly volatile
Revenue Per Share30.5429.088319.3732
Slightly volatile
Interest Debt Per Share19.610.520713.5417
Pretty Stable
Debt To Assets0.00170.00180.0271
Slightly volatile
Enterprise Value Over EBITDA6.8212.57127.3186
Pretty Stable
Short Term Coverage Ratios0.340.250.9121
Pretty Stable
Price Earnings Ratio10.6417.773713.1858
Pretty Stable
Price Book Value Ratio1.321.0541.1204
Pretty Stable
Days Of Payables Outstanding146154655
Very volatile
Dividend Payout Ratio0.450.42050.3869
Slightly volatile
Price To Operating Cash Flows Ratio9.088.987.7358
Very volatile
Price To Free Cash Flows Ratio12.2410.228.7487
Pretty Stable
Pretax Profit Margin0.280.14250.2477
Very volatile
Operating Profit Margin0.280.14250.2477
Very volatile
Effective Tax Rate0.320.24240.2767
Slightly volatile
Company Equity Multiplier8.3610.640511.2495
Slightly volatile
Long Term Debt To Capitalization0.01440.01520.0692
Slightly volatile
Total Debt To Capitalization0.01810.0190.2122
Slightly volatile
Return On Capital Employed0.04310.04540.0991
Very volatile
Debt Equity Ratio0.01840.01940.3097
Slightly volatile
Ebit Per Revenue0.280.14250.2477
Very volatile
Quick Ratio0.130.13360.2553
Pretty Stable
Dividend Paid And Capex Coverage Ratio2.262.443.5045
Slightly volatile
Net Income Per E B T0.560.75760.7096
Slightly volatile
Cash Ratio0.00950.010.0369
Slightly volatile
Operating Cash Flow Sales Ratio0.310.230.286
Very volatile
Days Of Sales Outstanding110192143
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.650.790.8891
Very volatile
Cash Flow Coverage Ratios0.220.231.0431
Very volatile
Price To Book Ratio1.321.0541.1204
Pretty Stable
Fixed Asset Turnover5.865.5773.724
Slightly volatile
Capital Expenditure Coverage Ratio12.357.425.2204
Slightly volatile
Price Cash Flow Ratio9.088.987.7358
Very volatile
Enterprise Value Multiple6.8212.57127.3186
Pretty Stable
Debt Ratio0.00170.00180.0271
Slightly volatile
Cash Flow To Debt Ratio0.220.231.0431
Very volatile
Price Sales Ratio2.41.91832.1118
Pretty Stable
Return On Assets0.01020.00560.0082
Pretty Stable
Asset Turnover0.06160.05160.0482
Very volatile
Net Profit Margin0.20.10790.1774
Pretty Stable
Gross Profit Margin0.560.64190.8103
Pretty Stable
Price Fair Value1.321.0541.1204
Pretty Stable
Return On Equity0.110.05930.0943
Slightly volatile

Chemung Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap81.3 M143.3 M142.4 M
Pretty Stable
Enterprise Value106.7 M149 M149.7 M
Slightly volatile

Chemung Fundamental Market Drivers

Forward Price Earnings9.2937
Cash And Short Term Investments303.4 M

Chemung Upcoming Events

18th of April 2024
Upcoming Quarterly Report
View
18th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Chemung Financial Financial Statements

Chemung Financial stakeholders use historical fundamental indicators, such as Chemung Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Chemung Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Chemung Financial's assets and liabilities are reflected in the revenues and expenses on Chemung Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Chemung Financial Corp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-16.3 M-15.5 M
Total Revenue139.9 M72.6 M
Cost Of Revenue50.1 M52.6 M
Sales General And Administrative To Revenue 0.29  0.35 
Capex To Revenue 0.03  0.05 
Revenue Per Share 29.09  30.54 
Ebit Per Revenue 0.14  0.28 

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When determining whether Chemung Financial Corp is a strong investment it is important to analyze Chemung Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Chemung Financial's future performance. For an informed investment choice regarding Chemung Stock, refer to the following important reports:
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What is Chemung Financial's Net Worth?
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Check out the analysis of Chemung Financial Correlation against competitors.
You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
Can Regional Banks industry sustain growth momentum? Does Chemung have expansion opportunities? Factors like these will boost the valuation of Chemung Financial. Projected growth potential of Chemung fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Chemung Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth
0.299
Dividend Share
1.32
Earnings Share
3.14
Revenue Per Share
18.873
Quarterly Revenue Growth
0.16
Chemung Financial Corp's market price often diverges from its book value, the accounting figure shown on Chemung's balance sheet. Smart investors calculate Chemung Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since Chemung Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
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It's important to distinguish between Chemung Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Chemung Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Chemung Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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