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CHMG

Chemung Financial Corp

Chemung Financial Corporation operates as the 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 mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

Quantitative Factor Evaluation • Updated 2026-08-04

Overall Rating
3.2 / 5.0
B
Value
C+
Factor Score 2.6 / 5.0
Growth
B-
Factor Score 3.1 / 5.0
Profitability
B-
Factor Score 3.1 / 5.0
Momentum
A-
Factor Score 4.1 / 5.0
Revisions
B
Factor Score 3.3 / 5.0

Underlying Financial Metrics

P/E Ratio 11.7
EV / EBITDA 0.0
Rev Growth YoY 241.7%
Gross Margin 100.0%
Price Return 3M 24.1%
Price Return 12M 65.1%
Analyst Up Revisions 1.0
Analyst Down Revisions 0.0

Historical Factor Score Progression

Date Value Growth Profitability Momentum Revisions Overall
2026-08-04 C+ (2.6) B- (3.1) B- (3.1) A- (4.1) B (3.3) B (3.2)
2026-08-03 C+ (2.6) C+ (2.8) B- (3.1) A- (4.1) B (3.3) B (3.2)
2026-08-02 C+ (2.6) C+ (2.8) B- (3.1) A- (4.0) B (3.3) B (3.2)