CHMG · Chemung Financial Corp
$82.70
+1.06 (+1.30%)
At close · Aug 20
Market Cap
$393.96M
Shares
4.82M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$82.70
Open$81.05
Day$80.84–82.97
52W close$50.00–83.92
Avg vol 30d65K
Short int60K · 1.2% float · 1.0d
Short vol57%
Last earningsMay 13, 2020
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+31%
above
Price vs 50-day avg
+7%
above
RSI (14)
59
neutral
MACD trend
Negative
52-week position
96%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+11%
trailing
6-month return
+49%
trailing
YTD return
+48%
this year
Relative strength
+38%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $77 › 200d $63 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +20 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.24% of float · ▼ -32.6% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
102 holders — near 3-yr high, broad support
Squeeze score
41
elevated · 0–100
Fundamentals
EPS growth
−37%
Y/Y
Free cash flow
$43.8M
Valuation
P/E 11.7
below peers
Balance sheet
$50.1M
net cash
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−21%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+31%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
59
Neutral
MACD trend
Negative
Bearish
52-week position
96%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $77 › 200d $63 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +20 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.24% of float · ▼ -32.6% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
102 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $50
Now $83 · 96%
Range high $84
vs 200-day avg +31%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses on loans | $25.2M | as of June 30, 2026 | — |
| allowance for credit losses on loans as a percent of non-performing loans | 275.46% | June 30, 2026 | — |
| Annualized net charge-offs (second quarter of 2026) | 0.03% | the second quarter of 2026 | — |
| Annualized net charge-offs (six months ended) | 0.01% | the six months ended June 30, 2026 | — |
| Average cost of interest-bearing liabilities | 2.27% | Q2 2026 | — |
|
|
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| Average tangible equity (non-GAAP) non-GAAP | 243.01M | Six Months Ended June 30, 2026 | — |
| Average yield on interest-earning assets | 5.18% | Q2 2026 | — |
|
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| Basic and diluted earnings per share (non-GAAP) non-GAAP | $3.73 | Six Months Ended June 30, 2026 | — |
| book value per share | $55.88 | June 30, 2026 | — |
| CFS Group advisory assets under management | 114.6M | June 30, 2026 | — |
| CFS Group total client assets | 319.4M | June 30, 2026 | — |
| Delinquent loans | $10.9M | as of June 30, 2026 | — |
| Delinquent loans as a percentage of total loans | 0.46% | as of June 30, 2026 | — |
| Dividends declared per share | $0.34 | Q2 2026 | — |
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| Effective tax rate | 22% | Q2 2026 | — |
| FHLBNY available advance capacity | 91.3M | June 30, 2026 | — |
| FHLBNY total advance line capacity | 180.9M | June 30, 2026 | — |
| Fully taxable equivalent net interest margin | 3.67% | the second quarter of 2026 | — |
| market value of total assets under management or administration in our Wealth Management Group | 2.49B | June 30, 2026 | — |
| Net income (non-GAAP) non-GAAP | 18.01M | Six Months Ended June 30, 2026 | — |
| Net interest margin, fully taxable equivalent non-GAAP | 3.67% | Q2 2026 | — |
| Non interest-bearing deposits as a percentage of total deposits | 28.8% | As of June 30, 2026 | — |
| Non-performing assets | $11.2M | as of June 30, 2026 | — |
| Non-performing assets as a percentage of total assets | 0.4% | as of June 30, 2026 | — |
| Non-performing loans | $9.2M | as of June 30, 2026 | — |
| Non-performing loans as a percentage of total loans | 0.39% | as of June 30, 2026 | — |
| number of retail offices | 30 | as of the date of the press release | — |
| Ratio of allowance for credit losses on loans to total loans | 1.07% | as of June 30, 2026 | — |
| remaining buyback authority under the share repurchase program | 200,816 | June 30, 2026 | — |
| Return on average assets (non-GAAP) non-GAAP | 1.32% | Six Months Ended June 30, 2026 | — |
| Return on average equity (non-GAAP) non-GAAP | 13.71% | Six Months Ended June 30, 2026 | — |
| Tangible assets (non-GAAP) non-GAAP | 2.8B | As of June 30, 2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $51.37 | As of June 30, 2026 | — |
| Tangible equity (non-GAAP) non-GAAP | 248.54M | As of June 30, 2026 | — |
| Tangible equity to tangible assets at end of period (non-GAAP) non-GAAP | 8.88% | As of June 30, 2026 | — |
| Total cost of funds | 1.67% | Q2 2026 | — |
|
|
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| total equity to total assets ratio | 9.59% | June 30, 2026 | — |
| uninsured deposits as a percent of total deposits | 31.5% | June 30, 2026 | — |
| Year to date annualized commercial loan growth | 13% | Q2 2026 / Year to date | — |
| Year to date annualized customer deposit growth | 8.3% | Q2 2026 / Year to date | — |
| Year to date annualized loan growth | 8.7% | Q2 2026 / Year to date | — |
| Annualized loan growth | 7.5% | Q1 2026 | — |
| Quarterly adjusted efficiency ratio non-GAAP | 58.27% | Q1 2026 | — |
| Annual commercial loan growth | $217.4M | year ended December 31, 2025 | — |
| Annual loan growth | $198.1M | year ended December 31, 2025 | — |
| Efficiency ratio (adjusted) non-GAAP | 60.12% | fourth quarter 2025 | — |
| Net interest margin | 3.61% | fourth quarter 2025 | — |
| Non-GAAP net income, excluding the impact of one time items in the second quarter of 2025 non-GAAP | $27.9M | year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CHMG
this stock
Chemung Financial Corp
|
$393.96M | +48.2% | — | 11.7 | 1.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CHMG | -1.0% | +10.9% | +49.0% | +1.5% | +48.2% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +1.0% | +7.6% | +37.8% | -0.6% | +36.4% |
Capital returns
Latest dividend
$0.34
/ share · ex Jun 17, 2026
Declared · upcoming
$0.36
/ share · ex Sep 17, 2026
Paid (TTM)
$1.36
/ share · 4 payouts
Dividend yield (TTM, derived)
1.64%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
763563
CUSIP
164024101
13F (30d)
93 filings
92 filers
Visit website
Investor relations