Is Chemung Financial Stock a Good Investment?
Chemung Financial Investment Advice | CHMG |
- Examine Chemung Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Chemung Financial's leadership team and their track record. Good management can help Chemung Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Chemung Financial's business and its evolving consumer preferences.
- Compare Chemung Financial's performance and market position to its competitors. Analyze how Chemung Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Chemung Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Chemung Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Chemung Financial Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Chemung Financial Corp is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Not Available | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Chemung Financial Stock
Researching Chemung Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 43.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.04. Some equities with similar Price to Book (P/B) outperform the market in the long run. Chemung Financial Corp last dividend was issued on the 18th of March 2025. The entity had 2:1 split on the 3rd of June 1998.
To determine if Chemung Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Chemung Financial's research are outlined below:
| Chemung Financial generated a negative expected return over the last 90 days |
Chemung Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Chemung Financial Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Chemung Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 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 |
Chemung Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 230.73 M.Chemung Financial's profitablity analysis
The company has Profit Margin (PM) of 0.24 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.32 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.32.Determining Chemung Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Chemung Financial is a good buy. For example, gross profit margin measures Chemung Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Chemung Financial's profitability and make more informed investment decisions.
Basic technical analysis of Chemung Stock
As of the 26th of March, Chemung Financial shows the risk adjusted performance of (0.01), and Mean Deviation of 1.3. Chemung Financial Corp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Chemung Financial Corp market risk adjusted performance, variance, as well as the relationship between the Variance and value at risk to decide if Chemung Financial Corp is priced correctly, providing market reflects its regular price of 47.53 per share. Given that Chemung Financial has information ratio of (0.03), we suggest you to validate Chemung Financial Corp's prevailing market performance to make sure the company can sustain itself at a future point.Chemung Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Chemung Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Chemung Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Chemung Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Chemung Financial's Outstanding Corporate Bonds
Chemung Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Chemung Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Chemung bonds can be classified according to their maturity, which is the date when Chemung Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Chemung Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Chemung Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.01) | |||
| Market Risk Adjusted Performance | (0.09) | |||
| Mean Deviation | 1.3 | |||
| Coefficient Of Variation | (4,857) | |||
| Standard Deviation | 2.44 | |||
| Variance | 5.95 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.06) | |||
| Total Risk Alpha | (0.07) | |||
| Treynor Ratio | (0.10) | |||
| Maximum Drawdown | 19.55 | |||
| Value At Risk | (2.45) | |||
| Potential Upside | 2.71 | |||
| Skewness | 3.54 | |||
| Kurtosis | 21.89 |
| Risk Adjusted Performance | (0.01) | |||
| Market Risk Adjusted Performance | (0.09) | |||
| Mean Deviation | 1.3 | |||
| Coefficient Of Variation | (4,857) | |||
| Standard Deviation | 2.44 | |||
| Variance | 5.95 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.06) | |||
| Total Risk Alpha | (0.07) | |||
| Treynor Ratio | (0.10) | |||
| Maximum Drawdown | 19.55 | |||
| Value At Risk | (2.45) | |||
| Potential Upside | 2.71 | |||
| Skewness | 3.54 | |||
| Kurtosis | 21.89 |
Consider Chemung Financial's intraday indicators
Chemung Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Chemung Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Chemung Financial time-series forecasting models is one of many Chemung Financial's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Chemung Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.
Chemung Stock media impact
Far too much social signal, news, headlines, and media speculation about Chemung Financial that are available to investors today. That information is available publicly through Chemung media outlets and privately through word of mouth or via Chemung internal channels. However, regardless of the origin, that massive amount of Chemung data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Chemung Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Chemung Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Chemung Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Chemung Financial alpha.
Chemung Financial Corporate Management
| Kathleen McKillip | VP Secretary | Profile | |
| Loren Cole | Executive Officer | Profile | |
| CFA CFA | Ex Company | Profile | |
| Norman Ward | Chief SVP | Profile |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Chemung Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population. You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
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.
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.
In summary, please note that there is a difference between Chemung Financial's value and its price, as these two are different measures arrived at by various 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.