Chemung Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Chemung Financial Corp
CHMG Stock  USD 51.08  0.15  0.29%   
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
243.7 M
Enterprise Value Revenue
3.7679
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

136.54 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 21.5 M, as well as many indicators such as Price To Sales Ratio of 4.06, Ptb Ratio of 1.32 or Days Sales Outstanding of 221. 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 Assets3.3 B3.1 B1.9 B
Slightly volatile
Total Stockholder Equity120.1 M224.5 M154.2 M
Slightly volatile
Property Plant And Equipment Net22.5 M23.3 M25.1 M
Very volatile
Retained Earnings277.6 M264.4 M154.3 M
Slightly volatile
Cash49.5 M42.4 M56.7 M
Pretty Stable
Non Current Assets Total3.2 B3.1 B899.1 M
Slightly volatile
Cash And Short Term Investments760.9 M724.7 M450.5 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 Equity3.3 B3.1 B1.9 B
Slightly volatile
Other Stockholder Equity19.4 M36 M28 M
Slightly volatile
Total Liabilities3 B2.9 B1.8 B
Slightly volatile
Property Plant And Equipment Gross113.5 M108.1 M40.7 M
Slightly volatile
Total Current Assets576.6 M724.7 M818.3 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 Investments499.3 M525.6 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 Investments808.6 M529 M954.6 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 Obligations7.7 M10.2 M6.4 M
Slightly volatile
Net Invested Capital234.4 M261.2 M215.9 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 Administrative21.5 M42.1 M28.4 M
Slightly volatile
Total Revenue136.5 M130 M81.2 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 Ops19.7 M28.8 M18.2 M
Slightly volatile
Selling And Marketing Expenses743.3 K830.7 K928.8 K
Slightly volatile
Non Recurring1.5 M765 K2 M
Slightly volatile
Tax Provision6.1 M7.5 M5.5 M
Slightly volatile
Net Interest Income68.2 M85.6 M60.3 M
Slightly volatile
Interest Income77.3 M130 M69.4 M
Slightly volatile
Reconciled Depreciation2.3 M2.5 M3.6 M
Slightly volatile

Chemung Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow36.7 M35 M23.4 M
Slightly volatile
Begin Period Cash Flow52 M64.2 M59.8 M
Slightly volatile
Other Cashflows From Financing Activities65.3 M117.5 M95.3 M
Slightly volatile
Depreciation3.6 M3.2 M3.9 M
Very volatile
Dividends Paid4.2 M6.7 M4.8 M
Slightly volatile
Capital Expenditures395 K415.8 K1.4 M
Slightly volatile
Total Cash From Operating Activities19.1 M35.5 M23.7 M
Slightly volatile
Net Income30.2 M28.8 M16.5 M
Slightly volatile
End Period Cash Flow52.2 M42.4 M59 M
Very volatile
Issuance Of Capital Stock492.9 K540.9 K617.2 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.062.832.6957
Pretty Stable
PTB Ratio1.321.391.1419
Slightly volatile
Days Sales Outstanding221397198
Slightly volatile
Stock Based Compensation To Revenue0.01320.01390.3435
Slightly volatile
Capex To Depreciation0.180.190.3748
Slightly volatile
PB Ratio1.321.391.1419
Slightly volatile
EV To Sales3.182.882.175
Slightly volatile
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
POCF Ratio8.948.787.7101
Very volatile
Interest Coverage0.70.73649
Slightly volatile
Capex To Operating Cash Flow0.01630.01720.0773
Slightly volatile
PFCF Ratio12.18.918.6492
Pretty Stable
Days Payables Outstanding411392343
Slightly volatile
Income Quality1.391.111.696
Slightly volatile
ROE0.110.150.1003
Slightly volatile
EV To Operating Cash Flow7.488.926.7053
Pretty Stable
PE Ratio14.159.835812.5216
Slightly volatile
Return On Tangible Assets0.01060.01070.0088
Slightly volatile
EV To Free Cash Flow9.869.067.4997
Very volatile
Earnings Yield0.06750.10170.0874
Slightly volatile
Intangibles To Total Assets0.00960.00720.0138
Slightly volatile
Current Ratio5.996.3246
Slightly volatile
Receivables Turnover1.710.952.1419
Slightly volatile
Debt To Equity0.370.240.2797
Pretty Stable
Revenue Per Share9.2218.2115.183
Slightly volatile
Debt To Assets0.01640.01730.0223
Pretty Stable
Enterprise Value Over EBITDA7.348.037.3813
Slightly volatile
Dividend Yield0.03530.02850.0301
Slightly volatile
Book Value Per Share20.1537.1331.8095
Slightly volatile
Free Cash Flow Yield0.0880.120.1235
Pretty Stable
Operating Cash Flow Per Share3.215.874.8891
Slightly volatile
Average Payables1.4 M911.1 K907.8 K
Pretty Stable
Free Cash Flow Per Share6.075.794.765
Slightly volatile
Cash Per Share1431514.1 K
Slightly volatile
Payout Ratio0.440.270.3681
Slightly volatile
Tangible Book Value Per Share17.5932.9827.1634
Slightly volatile
Graham Number66.1863.0349.4871
Slightly volatile
Shareholders Equity Per Share20.1537.1331.8095
Slightly volatile
Capex Per Share0.110.09760.3117
Slightly volatile
Average Receivables5.2 M5.8 M6.3 M
Slightly volatile
Interest Debt Per Share8.1815.110.3152
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 Ratio1.321.391.1419
Slightly volatile
Days Of Payables Outstanding411392343
Slightly volatile
Price To Operating Cash Flows Ratio8.948.787.7101
Very volatile
Price To Free Cash Flows Ratio12.18.918.6492
Pretty Stable
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 Multiplier8.2912.4911.2443
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 Ratio2.294.413.679
Slightly volatile
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 Ratio1.321.391.1419
Slightly volatile
Fixed Asset Turnover4.474.263.0175
Slightly volatile
Capital Expenditure Coverage Ratio63.1760.1632.7565
Slightly volatile
Price Cash Flow Ratio8.948.787.7101
Very 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 Assets0.01050.01060.0087
Slightly volatile
Asset Turnover0.03340.03180.0403
Slightly volatile
Net Profit Margin0.330.30.2377
Very volatile
Price Fair Value1.321.391.1419
Slightly volatile
Return On Equity0.110.150.1003
Slightly volatile
Dividend Payout Ratio0.440.270.3681
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 Earnings9.6339

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 Revenue130 M136.5 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 Transaction History module to view history of all your transactions and understand their impact on performance.
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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