Chemung Financial Corporation (CFC) functions as the parent company for Chemung Canal Trust Company, providing a comprehensive suite of banking, financing, and ...
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$1.36 per share
Est. EPS $1.91 · Revenue $31.69M · 1 analysts
$1.36 per share
Est. EPS $1.91 · Revenue $32.18M · 1 analysts
EPS $1.26 · Revenue $37.31M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $139.9M | -6.5% | -54.7% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $15.1M | -36.2% | -4.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +64.2% | -0.1% | -43.7% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +14.2% | -29.2% | -320.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +10.8% | -31.8% | +111.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $43.8M | +67.3% | +0.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +31.3% | +78.8% | +121.0% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 1.9% | -96.5% | +7.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.13x | -28.6% | — |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $2.7B | -2.4% | +2.6% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 3.13 vs 5.73 | -45.4% | 1.82 vs 1.76 | +3.1% |
| Revenue Surprise | $139.9M vs $110.7M | +26.4% | $18.1M vs $30.5M | -40.8% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Calkins Timothy D | other: Executive Vice President | COMMON STOCK | A | 308 | $81.24 |
| Aug 10, 2026 | Calkins Timothy D | other: Executive Vice President | COMMON STOCK | — | 0 | — |
| Jul 3, 2026 | McKim Dale M. III | officer: EVP, CFO & Treasurer | COMMON STOCK | D | 187 | $74.50 |
| Jun 24, 2026 | Cutrona Vincent M | officer: EVP & President-Canal Bank Div | COMMON STOCK | D | 98 | $74.40 |
| Apr 27, 2026 | Tyrrell Thomas R. | director | COMMON STOCK | D | 248 | $65.83 |
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Anders Tomson | President, Chief Executive Officer & Director | USD 1,187,086 | Male | 1967 | Active |
Dale McKim | Executive Vice President, Chief Financial Officer & Treasurer | USD 564,409 | Male | 1975 | Active |
Jeffrey Patrick Kenefick | Executive VP, President of Chemung Canal Division & Interim Head of Wealth Management Group | USD 457,548 | Male | 1967 | Active |
Peter K. Cosgrove | Executive VP & Chief Credit Officer | USD 456,292 | Male | 1961 | Active |
Daniel D. Fariello | Executive VP of the Bank & President of Capital Bank | USD 453,879 | Male | 1977 | Active |
Loren Dale Cole | Executive Vice President & Chief Information Officer | USD 438,854 | Male | 1973 | Active |
Kristen Henderson | Vice President of Operations & Technology Division | — | — | — | Active |
Scott T. Heffner | Senior Vice President & Director of Marketing | — | Male | — | Active |
Catherine Beth Crandall CFP® CTFA | Senior Vice President of WMG Estate Administration | — | Female | — | Active |
Tyler Wilson | Vice President of Compliance | — | — | — | Active |
Kathleen S. McKillip | Senior VP & Corporate Secretary | — | Female | — | Active |
Chemung Financial (CHMG) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
WDC, CECO, CHMG, CZFS and AMP have been added to the Zacks Rank #1 (Strong Buy) List on August 14, 2026.
Chemung Financial (CHMG) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
Chemung Financial (CHMG) delivered robust Q2 results, with net interest income up 18.6% and EPS of $1.82, reversing last year's loss. CHMG's dividend payout ratio remains below 20%, supporting strong balance sheet growth and a well-covered yield. The loan book is heavily weighted to commercial real estate, but delinquencies are minimal and most loans are well-collateralized.
Chemung Financial Corporation is rated Buy due to strong commercial loan growth and balance sheet restructuring, driving a 54% share price increase over the past year. CHMG's net interest margin reached a six-year high at 3.67%, with 67% of interest-bearing assets now in higher-yielding commercial loans, supported by Western NY tech buildout. The stock trades at an 8% discount to the sector median and a 14% discount to close peers, despite projected EPS growth 11% above the sector median.
