CHMG:NSD-Chemung Financial Corporation (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 43.72

Change

+0.68 (+1.58)%

Market Cap

USD 0.20B

Volume

6.95K

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

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 loans; and letters of credit, wealth management, employee benefit plans, mutual fund, annuities, brokerage and services. In addition, the company provides 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. Further, it provides securities and insurance, tax preparation, and interest rate swap services. As of February 18, 2021, the company operated through 30 branch offices located in 12 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-13 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+10.29 (+1.88%)

USD29.73B 18.01 N/A
FITB Fifth Third Bancorp

+1.04 (+2.54%)

USD28.82B 15.04 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.39%)

USD27.80B 22.33 N/A
FITBI Fifth Third Bancorp

+0.06 (+0.21%)

USD19.77B 10.38 N/A
HBAN Huntington Bancshares Incorpor..

+0.32 (+2.10%)

USD15.49B 13.33 N/A
SBNY Signature Bank

-2.31 (-0.96%)

USD13.92B 21.30 N/A
HBANO Huntington Bancshares Incorpor..

+0.03 (+0.12%)

USD13.18B 22.22 N/A
ZION Zions Bancorporation, National..

+1.93 (+3.38%)

USD9.36B 11.62 N/A
CBSH Commerce Bancshares, Inc

+2.38 (+3.10%)

USD9.00B 21.34 N/A
PBCT People's United Financial, Inc

+0.75 (+4.10%)

USD7.72B 35.36 N/A

ETFs Containing CHMG

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 28.78% 61% D- 81% B-
Dividend Return 0.77% 28% F 49% F
Total Return 29.54% 60% D- 80% B-
Trailing 12 Months  
Capital Gain 79.25% 56% F 67% D+
Dividend Return 4.26% 48% F 64% D
Total Return 83.52% 56% F 67% D+
Trailing 5 Years  
Capital Gain 57.95% 58% F 54% F
Dividend Return 18.79% 65% D 71% C-
Total Return 76.73% 60% D- 58% F
Average Annual (5 Year Horizon)  
Capital Gain 4.42% 72% C- 45% F
Dividend Return 2.63% 61% D- 67% D+
Total Return 7.05% 74% C 47% F
Risk Return Profile  
Volatility (Standard Deviation) 29.57% 32% F 59% F
Risk Adjusted Return 23.82% 65% D 44% F
Market Capitalization 0.20B 30% F 33% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.78 88% B+ 77% C+
Price/Book Ratio 1.04 72% C- 88% B+
Price / Cash Flow Ratio 7.00 77% C+ 46% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 12.10% 74% C 79% C+
Return on Invested Capital 9.87% 87% B+ 81% B-
Return on Assets 1.09% 51% F 58% F
Debt to Equity Ratio 1.93% 96% A 85% B
Technical Ratios  
Short Ratio 4.16 52% F 37% F
Short Percent 1.88% 40% F 69% D+
Beta 0.13 98% A+ 93% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.