Chemung Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Chemung Financial Corp
CHMG Stock  USD 47.95  0.85  1.74%   
Chemung Financial financial statements provide useful quarterly and yearly information to potential Chemung Financial Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Chemung Financial financial statements helps investors assess Chemung Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Chemung Financial's valuation are summarized below:
Gross Profit
97.3 M
Profit Margin
0.2432
Market Capitalization
232.8 M
Enterprise Value Revenue
3.6508
Revenue
97.3 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 2025 to make sure the company can sustain itself down the road. The current Market Cap is estimated to decrease to about 82.5 M. Enterprise Value is estimated to decrease to about 74.3 M

Chemung Financial Total Revenue

57.24 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 2.5 M, Interest Expense of 56.2 M or Selling General Administrative of 22.1 M, as well as many indicators such as Price To Sales Ratio of 4.06, Dividend Yield of 0.0353 or PTB Ratio of 1.32. Chemung financial statements analysis is a perfect complement when working with Chemung Financial Valuation or Volatility modules.
  
Check out the analysis of Chemung Financial Correlation against competitors.

Chemung Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.9 B2.8 B1.9 B
Slightly volatile
Total Stockholder Equity123.7 M215.3 M153.8 M
Slightly volatile
Property Plant And Equipment Net22.6 M21.8 M25 M
Very volatile
Retained Earnings260.1 M247.7 M152.2 M
Slightly volatile
Cash49.6 M47 M57 M
Pretty Stable
Non Current Assets Total20.7 M21.8 M509 M
Slightly volatile
Cash And Short Term Investments621.2 M591.6 M433.4 M
Slightly volatile
Net Receivables108 M102.9 M45.9 M
Slightly volatile
Common Stock Total Equity45.3 K47.7 K660.4 K
Slightly volatile
Common Stock Shares Outstanding4.7 M4.8 M4.7 M
Slightly volatile
Liabilities And Stockholders Equity2.9 B2.8 B1.9 B
Slightly volatile
Other Stockholder Equity226.1 M215.3 M52.1 M
Slightly volatile
Total Liabilities2.7 B2.6 B1.7 B
Slightly volatile
Property Plant And Equipment Gross97.4 M92.8 M38.7 M
Slightly volatile
Total Current Assets578.9 M591.6 M810.1 M
Pretty Stable
Common Stock45.3 K47.7 K660.4 K
Slightly volatile
Good Will18.7 M19.6 M20.7 M
Pretty Stable
Other Current Assets49.1 M51.7 M421.5 M
Slightly volatile
Short and Long Term Debt Total42.3 M46.9 M43.1 M
Pretty Stable
Non Current Liabilities Total3 B2.9 B551.9 M
Slightly volatile
Total Current Liabilities2.2 B2.1 B416.5 M
Slightly volatile
Accounts Payable23.7 M22.6 M16.4 M
Slightly volatile
Short Term Debt30.4 M38.2 M27.9 M
Pretty Stable
Intangible Assets12.8 K13.5 K3 M
Slightly volatile
Short Term Investments517.4 M544.6 M34 B
Slightly volatile
Other Liabilities15.9 M19.2 M15.5 M
Pretty Stable
Long Term Debt93.7 M89.2 M40.6 M
Slightly volatile
Property Plant Equipment28.7 M25.9 M26.3 M
Pretty Stable
Net Tangible Assets145.7 M166.2 M134 M
Slightly volatile
Retained Earnings Total Equity153.1 M243.6 M148.7 M
Slightly volatile
Capital Surpluse50.6 M54.4 M46.9 M
Slightly volatile
Long Term Investments781.4 M535.5 M953.3 M
Slightly volatile
Non Current Liabilities Other127.7 M121.6 M49.2 M
Slightly volatile
Long Term Debt Total25.7 M24.5 M20.1 M
Pretty Stable
Earning Assets387.2 M446.4 M370.8 M
Slightly volatile
Capital Lease Obligations8 M9.4 M6.4 M
Slightly volatile
Net Invested Capital249.7 M324.4 M220.8 M
Slightly volatile
Capital Stock42.4 K47.7 K52 K
Slightly volatile

Chemung Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization2.5 M3.2 M2 M
Slightly volatile
Interest Expense56.2 M53.5 M13.3 M
Slightly volatile
Selling General Administrative22.1 M38.9 M28.2 M
Slightly volatile
Total Revenue57.2 M96.1 M74.1 M
Slightly volatile
Other Operating Expenses789.2 K830.7 K3.5 B
Slightly volatile
Operating Income34.4 M36.2 M3.3 B
Slightly volatile
EBIT27.5 M36.2 M25.3 M
Slightly volatile
EBITDA29.9 M36.2 M26.9 M
Slightly volatile
Income Before Tax16.8 M30.1 M20.5 M
Slightly volatile
Net Income12.2 M23.7 M15.2 M
Slightly volatile
Income Tax Expense4.6 M6.4 M5.2 M
Slightly volatile
Cost Of Revenue20.9 M22 M2 B
Slightly volatile
Net Income Applicable To Common Shares34.8 M33.1 M17.4 M
Slightly volatile
Net Income From Continuing Ops20.1 M23.7 M17.9 M
Slightly volatile
Selling And Marketing Expenses743.3 K830.7 K928.8 K
Slightly volatile
Non Recurring1.5 M765 K2 M
Slightly volatile
Tax Provision6.2 M6.4 M5.4 M
Slightly volatile
Net Interest Income69.5 M74.1 M59.7 M
Slightly volatile
Interest Income83.6 M127.6 M69.7 M
Slightly volatile
Reconciled Depreciation2.3 M2 M3.5 M
Slightly volatile

Chemung Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow1.9 M2 M19.2 M
Pretty Stable
Begin Period Cash Flow51.6 M36.8 M58.1 M
Pretty Stable
Other Cashflows From Financing Activities64.8 M45.5 M90.8 M
Slightly volatile
Depreciation3.5 M2 M3.8 M
Pretty Stable
Dividends Paid4.3 M7.4 M4.9 M
Slightly volatile
Capital Expenditures1.9 M3.6 M1.7 M
Slightly volatile
Total Cash From Operating Activities1.9 M2 M20.6 M
Pretty Stable
Net Income12.1 M23.7 M15 M
Slightly volatile
End Period Cash Flow52.2 M47 M59.3 M
Very volatile
Issuance Of Capital Stock471.7 K430 K608.9 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.062.832.6957
Pretty Stable
Dividend Yield0.03530.03160.0303
Slightly volatile
PTB Ratio1.321.08131.1227
Pretty Stable
Days Sales Outstanding221397198
Slightly volatile
Book Value Per Share47.445.138234.0132
Slightly volatile
Free Cash Flow Yield0.00830.00870.1115
Pretty Stable
Operating Cash Flow Per Share0.40.42434.3732
Pretty Stable
Average Payables1.4 M911.1 K907.8 K
Pretty Stable
Stock Based Compensation To Revenue0.01320.01390.3435
Slightly volatile
Capex To Depreciation0.180.190.3748
Slightly volatile
PB Ratio1.321.08131.1227
Pretty Stable
EV To Sales3.182.882.175
Slightly volatile
Free Cash Flow Per Share0.40.42434.0753
Pretty Stable
ROIC0.00820.00861.742
Slightly volatile
Net Income Per Share5.214.96253.4026
Slightly volatile
Payables Turnover0.920.961 K
Slightly volatile
Sales General And Administrative To Revenue0.570.430.4446
Slightly volatile
Capex To Revenue0.00530.00550.0247
Slightly volatile
Cash Per Share1181244.1 K
Slightly volatile
POCF Ratio12111521.3409
Slightly volatile
Interest Coverage0.70.73649
Slightly volatile
Payout Ratio0.440.31110.3707
Slightly volatile
Capex To Operating Cash Flow0.01630.01720.0773
Slightly volatile
PFCF Ratio12111522.0743
Slightly volatile
Days Payables Outstanding411392343
Slightly volatile
Income Quality0.08120.08551.5502
Slightly volatile
ROE0.110.10990.0978
Slightly volatile
EV To Operating Cash Flow96.3891.792817.4411
Slightly volatile
PE Ratio14.159.835812.5216
Slightly volatile
Return On Tangible Assets0.01050.00860.0086
Slightly volatile
EV To Free Cash Flow96.3891.792818.078
Slightly volatile
Earnings Yield0.06750.10170.0874
Slightly volatile
Intangibles To Total Assets0.00940.00790.0139
Slightly volatile
Current Ratio5.996.3246
Slightly volatile
Tangible Book Value Per Share42.5940.562929.1998
Slightly volatile
Receivables Turnover1.710.952.1419
Slightly volatile
Graham Number74.5470.992550.5072
Slightly volatile
Shareholders Equity Per Share47.445.138234.0132
Slightly volatile
Debt To Equity0.370.240.2797
Pretty Stable
Capex Per Share0.110.09760.3117
Slightly volatile
Average Receivables5.2 M5.8 M6.3 M
Slightly volatile
Revenue Per Share9.2218.2115.183
Slightly volatile
Interest Debt Per Share8.2111.21710.0744
Slightly volatile
Debt To Assets0.01640.01730.0223
Pretty Stable
Enterprise Value Over EBITDA7.348.037.3813
Slightly volatile
Short Term Coverage Ratios1.21.071.1865
Slightly volatile
Price Earnings Ratio14.159.835812.5216
Slightly volatile
Operating Cycle206397187
Slightly volatile
Price Book Value Ratio1.321.08131.1227
Pretty Stable
Days Of Payables Outstanding411392343
Slightly volatile
Dividend Payout Ratio0.440.31110.3707
Slightly volatile
Price To Operating Cash Flows Ratio12111521.3409
Slightly volatile
Price To Free Cash Flows Ratio12111522.0743
Slightly volatile
Pretax Profit Margin0.480.380.3416
Pretty Stable
Ebt Per Ebit0.790.750.61
Slightly volatile
Operating Profit Margin0.360.3853.0647
Slightly volatile
Effective Tax Rate0.320.21320.2759
Slightly volatile
Company Equity Multiplier8.3512.893811.2733
Slightly volatile
Long Term Debt To Capitalization0.210.340.2313
Slightly volatile
Total Debt To Capitalization0.250.20.1929
Very volatile
Return On Capital Employed0.01270.01342.5503
Slightly volatile
Debt Equity Ratio0.370.240.2797
Pretty Stable
Ebit Per Revenue0.360.3853.0647
Slightly volatile
Quick Ratio6.486.82247
Slightly volatile
Dividend Paid And Capex Coverage Ratio0.260.27483.2936
Pretty Stable
Net Income Per E B T0.560.78680.7096
Slightly volatile
Cash Ratio0.430.4512.7698
Slightly volatile
Operating Cash Flow Sales Ratio0.510.370.3637
Very volatile
Days Of Sales Outstanding221397198
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.890.8967
Pretty Stable
Cash Flow Coverage Ratios0.760.681.249
Pretty Stable
Price To Book Ratio1.321.08131.1227
Pretty Stable
Fixed Asset Turnover4.474.263.0175
Slightly volatile
Capital Expenditure Coverage Ratio63.1760.1632.7565
Slightly volatile
Price Cash Flow Ratio12111521.3409
Slightly volatile
Enterprise Value Multiple7.348.037.3813
Slightly volatile
Debt Ratio0.01640.01730.0223
Pretty Stable
Cash Flow To Debt Ratio0.760.681.249
Pretty Stable
Price Sales Ratio4.062.832.6957
Pretty Stable
Return On Assets0.01040.00850.0085
Slightly volatile
Asset Turnover0.03340.03180.0403
Slightly volatile
Net Profit Margin0.330.30.2377
Very volatile
Price Fair Value1.321.08131.1227
Pretty Stable
Return On Equity0.110.10990.0978
Slightly volatile

Chemung Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap82.5 M116.8 M121.4 M
Very volatile
Enterprise Value74.3 M125.6 M122.6 M
Slightly volatile

Chemung Fundamental Market Drivers

Forward Price Earnings9.2937
Cash And Short Term Investments591.6 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 Revenue96.1 M57.2 M
Cost Of Revenue22 M20.9 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.43  0.57 
Capex To Revenue 0.01  0.01 
Revenue Per Share 18.21  9.22 
Ebit Per Revenue 0.38  0.36 

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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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Check out the analysis of Chemung Financial Correlation against competitors.
You can also try the Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.
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
0.545
Dividend Share
1.24
Earnings Share
4.96
Revenue Per Share
20.406
Quarterly Revenue Growth
0.18
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.
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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.
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