Chemung Financial Return On Equity vs. EBITDA
| CHMG Stock | USD 52.33 0.50 0.96% |
Return On Equity | First Reported 2010-12-31 | Previous Quarter 0.12804688 | Current Value 0.11 | Quarterly Volatility 0.03128471 |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.33 | 0.2611 |
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| Operating Profit Margin | 0.31 | 0.329 |
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| Pretax Profit Margin | 0.48 | 0.329 |
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| Return On Assets | 0.0105 | 0.0092 |
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| Return On Equity | 0.11 | 0.128 |
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For Chemung Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Chemung Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Chemung Financial Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Chemung Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Chemung Financial Corp over time as well as its relative position and ranking within its peers.
Chemung |
Chemung Financial's Revenue Breakdown by Earning Segment
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Chemung Financial. If investors know Chemung will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Chemung Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.26) | Dividend Share 1.24 | Earnings Share 4.52 | Revenue Per Share 19.63 | Quarterly Revenue Growth (0.06) |
The market value of Chemung Financial Corp is measured differently than its book value, which is the value of Chemung that is recorded on the company's balance sheet. Investors also form their own opinion of Chemung Financial's value that differs from its market value or its book value, called intrinsic value, which is Chemung Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Chemung Financial's market value can be influenced by many factors that don't directly affect Chemung Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Chemung Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Chemung Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. 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.
Chemung Financial Corp EBITDA vs. Return On Equity Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Chemung Financial's current stock value. Our valuation model uses many indicators to compare Chemung Financial value to that of its competitors to determine the firm's financial worth. Chemung Financial Corp is rated third in return on equity category among its peers. It is rated below average in ebitda category among its peers totaling about 285,335,145 of EBITDA per Return On Equity. At this time, Chemung Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Chemung Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Chemung EBITDA vs. Return On Equity
Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Chemung Financial |
| = | 0.11 |
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It is a measure of a company operating cash flow based on data from the company income statement and is a very good way to compare companies within industries or across different sectors. However, unlike Operating Cash Flow, EBITDA does not include the effects of changes in working capital.
Chemung Financial |
| = | 31.5 M |
In a nutshell, EBITDA is calculated by adding back each of the excluded items to the post-tax profit, and can be used to compare companies with very different capital structures.
Chemung EBITDA Comparison
Chemung Financial is currently under evaluation in ebitda category among its peers.
Chemung Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Chemung Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Chemung Financial will eventually generate negative long term returns. The profitability progress is the general direction of Chemung Financial's change in net profit over the period of time. It can combine multiple indicators of Chemung Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -66 M | -62.7 M | |
| Operating Income | 31.5 M | 29.9 M | |
| Income Before Tax | 31.5 M | 16.3 M | |
| Total Other Income Expense Net | 31.5 M | 33.1 M | |
| Net Income | 25 M | 26.2 M | |
| Income Tax Expense | 6.5 M | 4.6 M | |
| Net Income Applicable To Common Shares | 33.1 M | 34.8 M | |
| Net Income From Continuing Ops | 25 M | 19.7 M | |
| Net Interest Income | 74.5 M | 68.2 M | |
| Interest Income | 113.1 M | 77.3 M | |
| Change To Netincome | 1.8 M | 3 M | |
| Net Income Per Share | 5.28 | 5.55 | |
| Income Quality | 1.24 | 1.39 | |
| Net Income Per E B T | 0.79 | 0.56 |
Chemung Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Chemung Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Chemung Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Chemung Financial's important profitability drivers and their relationship over time.
Use Chemung Financial in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Chemung Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Chemung Financial will appreciate offsetting losses from the drop in the long position's value.Chemung Financial Pair Trading
Chemung Financial Corp Pair Trading Analysis
The ability to find closely correlated positions to Chemung Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Chemung Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Chemung Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Chemung Financial Corp to buy it.
The correlation of Chemung Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Chemung Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Chemung Financial Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Chemung Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Chemung Financial position
In addition to having Chemung Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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To fully project Chemung Financial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Chemung Financial Corp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Chemung Financial's income statement, its balance sheet, and the statement of cash flows.