Positive News SentimentPositive NewsNASDAQ:CHMG Chemung Financial (CHMG) Stock Price, News & Analysis $49.75 +0.50 (+1.02%) Closing price 08/8/2025 04:00 PM EasternExtended Trading$49.62 -0.13 (-0.25%) As of 08/8/2025 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock About Chemung Financial Stock (NASDAQ:CHMG) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Chemung Financial alerts:Sign Up Key Stats Today's Range$49.47▼$49.7550-Day Range$45.82▼$53.8552-Week Range$40.71▼$55.73Volume4,318 shsAverage Volume19,341 shsMarket Capitalization$238.30 millionP/E Ratio21.26Dividend Yield2.57%Price Target$54.50Consensus RatingHold Company Overview 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 accounts. 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. 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. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York. Read More Chemung Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks81st Percentile Overall ScoreCHMG MarketRank™: Chemung Financial scored higher than 81% of companies evaluated by MarketBeat, and ranked 190th out of 922 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.0 / 5Analyst RatingHold Consensus RatingChemung Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.Amount of Analyst CoverageChemung Financial has only been the subject of 1 research reports in the past 90 days.Read more about Chemung Financial's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth11.71% Earnings GrowthEarnings for Chemung Financial are expected to grow by 11.71% in the coming year, from $5.38 to $6.01 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Chemung Financial is 21.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.88.Price to Earnings Ratio vs. SectorThe P/E ratio of Chemung Financial is 21.26, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.63.Price to Book Value per Share RatioChemung Financial has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Chemung Financial's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.09% of the float of Chemung Financial has been sold short.Short Interest Ratio / Days to CoverChemung Financial has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Chemung Financial has recently increased by 6.94%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldChemung Financial pays a meaningful dividend of 2.60%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthChemung Financial has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of Chemung Financial is 54.70%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Chemung Financial will have a dividend payout ratio of 21.30% next year. This indicates that Chemung Financial will be able to sustain or increase its dividend.Read more about Chemung Financial's dividend. Sustainability and ESG3.2 / 5Environmental Score-0.51 Percentage of Shares Shorted1.09% of the float of Chemung Financial has been sold short.Short Interest Ratio / Days to CoverChemung Financial has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Chemung Financial has recently increased by 6.94%, indicating that investor sentiment is decreasing significantly. News and Social Media3.7 / 5News Sentiment1.71 News SentimentChemung Financial has a news sentiment score of 1.71. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.76 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Chemung Financial this week, compared to 1 article on an average week.Search InterestOnly 1 people have searched for CHMG on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.MarketBeat Follows1 people have added Chemung Financial to their MarketBeat watchlist in the last 30 days. Company Ownership3.3 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Chemung Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $968,415.00 in company stock and sold $0.00 in company stock.Percentage Held by Insiders12.41% of the stock of Chemung Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions47.50% of the stock of Chemung Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Chemung Financial's insider trading history. Receive CHMG Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Chemung Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address CHMG Stock News HeadlinesChemung Financial Corp (NASDAQ:CHMG) EVP Purchases $149,448.30 in StockAugust 6 at 5:54 AM | insidertrades.comInsider Buying: Chemung Financial Corp (NASDAQ:CHMG) Director Acquires 2,612 Shares of StockJuly 29, 2025 | insidertrades.comMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tariffs just lit the fuse. Millions of investors are blindsided as stocks plunge… but this is only Phase 1. If you're still holding the wrong assets, you could lose 30% or more in the coming weeks.August 9 at 2:00 AM | American Alternative (Ad)Jeffrey B. Streeter Purchases 4,103 Shares of Chemung Financial Corp (NASDAQ:CHMG) StockJuly 26, 2025 | insidertrades.comInsider Buying: Chemung Financial Corp (NASDAQ:CHMG) Director Acquires 3,285 Shares of StockJuly 25, 2025 | insidertrades.comChemung Financial Reports Q2 2025 Results Amid Strategic ChangesJuly 17, 2025 | tipranks.comChemung Financial Corporation Reports $6.5 Million Loss in Q2 2025 Amid Strategic Balance Sheet RepositioningJuly 17, 2025 | quiverquant.comQChemung Financial Corporation Reports Second Quarter 2025 ResultsJuly 17, 2025 | globenewswire.comSee More Headlines CHMG Stock Analysis - Frequently Asked Questions How have CHMG shares performed this year? Chemung Financial's stock was trading at $48.81 at the beginning of the year. Since then, CHMG shares have increased by 1.9% and is now trading at $49.75. How were Chemung Financial's earnings last quarter? Chemung Financial Corp (NASDAQ:CHMG) posted its quarterly earnings data on Thursday, July, 17th. The bank reported $1.31 EPS for the quarter, meeting the consensus estimate of $1.31. The bank had revenue of $10.10 million for the quarter, compared to the consensus estimate of $26.26 million. Chemung Financial had a trailing twelve-month return on equity of 10.83% and a net margin of 8.19%. Who are Chemung Financial's major shareholders? Top institutional shareholders of Chemung Financial include Geode Capital Management LLC (1.95%), Acadian Asset Management LLC (1.54%), Connor Clark & Lunn Investment Management Ltd. (0.65%) and Empower Advisory Group LLC (0.35%). Insiders that own company stock include Jeffrey B Streeter, G Thomas Jr Tranter, Jeffrey P Kenefick, Loren D Cole, Thomas R Tyrrell, Thomas W Wirth, Joseph F Iv Meade, Daniel D Fariello and Raimundo C Archibold Jr. View institutional ownership trends. How do I buy shares of Chemung Financial? Shares of CHMG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Chemung Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that Chemung Financial investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), DiamondRock Hospitality (DRH), AU Optronics (AUOTY), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR). Company Calendar Record date for 7/1 Dividend6/17/2025Ex-Dividend for 7/1 Dividend6/17/2025Dividend Payable7/01/2025Last Earnings7/17/2025Today8/09/2025Next Earnings (Estimated)10/28/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - SOUTHEAST Sub-IndustryBanking Current SymbolNASDAQ:CHMG CIK763563 Webwww.chemungcanal.com Phone(607) 737-3711FaxN/AEmployees340Year FoundedN/APrice Target and Rating Average Price Target for Chemung Financial$54.50 High Price Target$59.00 Low Price Target$50.00 Potential Upside/Downside+9.5%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage2 Analysts Profitability EPS (Trailing Twelve Months)$2.34 Trailing P/E Ratio21.26 Forward P/E Ratio9.25 P/E GrowthN/ANet Income$23.67 million Net Margins8.19% Pretax Margin18.93% Return on Equity10.83% Return on Assets0.86% Debt Debt-to-Equity Ratio0.39 Current Ratio0.89 Quick Ratio0.89 Sales & Book Value Annual Sales$150.79 million Price / Sales1.58 Cash Flow$5.93 per share Price / Cash Flow8.39 Book Value$45.25 per share Price / Book1.10Miscellaneous Outstanding Shares4,790,000Free Float4,196,000Market Cap$238.30 million OptionableNot Optionable Beta0.39 Social Links Options Trading Made Easy - Download NowLearn the basics of options trading and how to use them to boost returns and manage risk with this free report from MarketBeat. 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