Chemung Financial Corporation (CHMG) stock analysis

In our weekly check, Chemung Financial Corporation is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 5, red flags: 4.

About Chemung Financial Corporation

Chemung Financial Corporation is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as CHMG.

What our checks show for CHMG

Red flags

• The gross margin fell by 25 points, to 71.3%: costs are rising faster than prices.
• Recovering from its deepest fall took about 4.7 years.
• Thinly traded (about 68 thousand shares a day): buying and selling can move the price.

Warning signs

• The net margin fell by 1.6 points over 5 years, to 27.2%: the company keeps less of each sale as profit.
• Analysts expect only about 0.4% a year of growth in revenue.
• A small company (market value $416 million): usually riskier and followed by fewer analysts.
• The stock has fallen as much as 57% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 7.3%.

Strengths

• Analysts expect the net margin to improve by 3.7 points from today's 27.2%.
• Net profit grew 10.1% a year over the last 3 years.
• The company keeps 27.2% of its revenue as net profit.
• Free cash flow is 31% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 13% of profit: there is a cushion.
• The price is 10.8 times earnings (P/E), reasonable for its growth.

Next earnings report: 2027-01-25

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Questions

What grade does Chemung Financial Corporation (CHMG) have?

In our weekly check, Chemung Financial Corporation is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 5, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CHMG stock?

This week's biggest flags for Chemung Financial Corporation: Gross margin falling, Slow recovery after falls, Thinly traded. In total 9 of 25 checks show a warning or a red flag.

What does Chemung Financial Corporation do?

Chemung Financial Corporation is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as CHMG.

When does Chemung Financial Corporation report earnings next?

The next earnings report is expected on 2027-01-25. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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