Chemung Financial Corporation (CHMG) Stock Price & Analysis
Chemung Financial Corporation (CHMG) closed at USD 83.88 on Friday, October 23, 2026, up 0.78% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 83.88; the Oct 23, 2026 session ranged USD 83.15–85.49 on volume of 75,015 shares. Market capitalization is —, with a 52-week range of USD 50.05–86 (NMS). Source: Nexqual, retrieved October 24, 2026 at 04:25 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CHMG.md
Key facts (CHMG)
- Last four reported quarters (through Jun 30, 2026): revenue $120M, net income $33.5M (27.9% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $482K; 2 not under a Rule 10b5-1 plan ($482K); 1 by opportunistic insiders (1 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y +61.4% vs S&P 500 +13.4%; 5Y +107.0% vs S&P 500 +76.9%.
- Next earnings: 2026-10-22, EPS estimate USD 1.93, revenue estimate $32.3M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CHMG)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $89.5M | $95.6M | $99.0M | $97.3M | $95.1M | $120M |
| Net income | $26.4M | $28.8M | $25.0M | $23.7M | $15.1M | $33.5M |
| EPS (diluted) | $5.64 | $6.13 | $5.28 | $4.96 | $3.14 | — |
| Free cash flow | $35.1M | $34.6M | $30.4M | $26.2M | $43.8M | $45.4M |
| Net margin | 29.5% | 30.1% | 25.3% | 24.3% | 15.9% | 27.9% |
| Revenue growth | +6.4% | +6.9% | +3.5% | -1.7% | -2.2% | — |
| Cash + short-term investments | $27.0M | $55.9M | $36.8M | $47.0M | $50.1M | — |
| Total debt | — | — | — | — | $131M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CHMG)
P/E at fiscal year-ends: Dec 2025 17.7x, Dec 2024 9.8x, Dec 2023 9.4x.
Insider sales (SEC Form 4, open-market, last ~7 months) (CHMG)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-16 | Cole Loren D | EVP & CIO | 5,160 | $431K | 30.7% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-04-27 | Tyrrell Thomas R. | Director | 788 | $51K | 8.9% | No | Too little history (no open-market trades in 2024 or 2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (CHMG)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-29 | DA Davidson | Initiated | Buy | $95 |
| 2026-09-02 | Raymond James | Initiated | Outperform | $87 |
| 2026-07-28 | Keefe, Bruyette & Woods | Target raised | Market Perform | $77 → $81 |
Total return (dividends reinvested) (CHMG)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +61.4% | +107.0% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +61.6% | +15.7% |
| Volatility (annualized) | 29.0% | 24.7% |
| Max drawdown | -20.6% (Feb 2026→Mar 2026) | -34.0% (Jan 2023→May 2023) |
CHMG revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| WMG | $3.2M | — | +6.6% |
| Interchange revenue from debit card transactions | $1.1M | — | -0.3% |
| Service charges on deposit accounts | $1.0M | — | -6.8% |
| Overdraft fees | $674,000 | — | -6.3% |
| Other | $364,000 | — | -7.8% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
CHMG suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Mastercard (MA) | “Interchange Revenue from Debit Card Transactions: The Corporation earns interchange fees from debit cardholder transactions conducted through the Mastercard payment network.” |
| Partner | Applied Materials (AMAT) | “Major partners in the initiative include Applied Materials, Micron, IBM, and Tokyo Electron, and the facility aims to complement the existing semiconductor supply chain presence of companies such as ASML and GlobalFoundries, as well as enhance the research capabilities of local universities such as Rensselaer Polytechnic Institute and SUNY Polytechnic.” |
| Partner | Micron Technology (MU) | “Major partners in the initiative include Applied Materials, Micron, IBM, and Tokyo Electron, and the facility aims to complement the existing semiconductor supply chain presence of companies such as ASML and GlobalFoundries, as well as enhance the research capabilities of local universities such as Rensselaer Polytechnic Institute and SUNY Polytechnic.” |
| Partner | IBM (IBM) | “Major partners in the initiative include Applied Materials, Micron, IBM, and Tokyo Electron, and the facility aims to complement the existing semiconductor supply chain presence of companies such as ASML and GlobalFoundries, as well as enhance the research capabilities of local universities such as Rensselaer Polytechnic Institute and SUNY Polytechnic.” |
| Partner | Tokyo Electron | “Major partners in the initiative include Applied Materials, Micron, IBM, and Tokyo Electron, and the facility aims to complement the existing semiconductor supply chain presence of companies such as ASML and GlobalFoundries, as well as enhance the research capabilities of local universities such as Rensselaer Polytechnic Institute and SUNY Polytechnic.” |
| Partner | ASML (ASML) | “Major partners in the initiative include Applied Materials, Micron, IBM, and Tokyo Electron, and the facility aims to complement the existing semiconductor supply chain presence of companies such as ASML and GlobalFoundries, as well as enhance the research capabilities of local universities such as Rensselaer Polytechnic Institute and SUNY Polytechnic.” |
| Partner | GlobalFoundries (GFS) | “Major partners in the initiative include Applied Materials, Micron, IBM, and Tokyo Electron, and the facility aims to complement the existing semiconductor supply chain presence of companies such as ASML and GlobalFoundries, as well as enhance the research capabilities of local universities such as Rensselaer Polytechnic Institute and SUNY Polytechnic.” |
Quoted from the company's 10-K filed Mar 13, 2026.
CHMG company outlook (results filed Oct 22, 2026)
- “Also contributing to the decrease was lower loan growth in the current year period, which totaled $33.9 million, compared to growth of $69.9 million during the same period in the prior year, as well as favorable changes in model inputs in the current year period, including improvements in FOMC forecasts for national unemployment and GDP growth and in modeled prepayment speeds.”
Quoted word-for-word from the SEC 8-K results press release.
CHMG analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.93 | $1.84 | +5.1% | $32.3M | 5 |
| Next quarter (ends Mar 2027) | $1.98 | $1.80 | +10.1% | $32.2M | 5 |
| Current fiscal year (ends Dec 2026) | $7.61 | $7.38 | +3.1% | $125.3M | 5 |
| Next fiscal year (ends Dec 2027) | $8.23 | $7.75 | +6.2% | $134.5M | 5 |
Key Statistics (as of October 24, 2026 at 04:25 UTC)
| Price | USD 83.88 |
|---|---|
| Change | ▲ 0.78% (up) |
| Previous Close | USD 83.88 |
| Open | USD 83.88 |
| Day Range | USD 83.15 – 85.49 |
| 52-Week Range | USD 50.05 – 86 |
| Volume | 75,015 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (CHMG)
Nexqual's technical model rates CHMG "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 24, 2026 at 04:25 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 60.24 (neutral) |
| vs SMA50 | Above (USD 82.21) |
| MACD | 0.03 (positive) |
Earnings (CHMG)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 1.93 |
| Revenue Estimate | $32.32M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 2.63 vs est 1.96 ▲ beat |
| 2026-06-30 | USD 1.82 vs est 1.77 ▲ beat |
| 2026-03-31 | USD 1.91 vs est 1.63 ▲ beat |
| 2025-12-31 | USD 1.61 vs est 1.62 ▼ miss |
Source: Nexqual, October 24, 2026 at 04:25 UTC.
Financials & Fundamentals (CHMG)
| Total Revenue | $117.01M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +241.70% |
| Gross Margin | +0.00% |
| Operating Margin | +37.93% |
| Profit Margin | +28.67% |
| ROE | +13.27% |
| Total Cash | $90.66M |
| Total Debt | $159.99M |
Source: Nexqual, October 24, 2026 at 04:25 UTC.
Ownership (CHMG)
| Insider Ownership | +18.07% |
|---|---|
| Institutional Ownership | +51.23% |
| Shares Outstanding | 4.82M |
| Float | 3.21M |
| Short % of Float | +3.60% |
Source: Nexqual, October 24, 2026 at 04:25 UTC.
From Chemung Financial Corporation's Latest SEC 10-K Filing (filed 2026-03-13)
Partnerships
- Mortgages are generally underwritten according to U.S. government sponsored enterprise guidelines designated as "A" or "A-" and referred to as "conforming loans." The Bank also originates jumbo loans above conforming loan amounts which generally are consistent with secondary market guidelines for these loans; however, these are typically held for investment.
- Investment decisions are made in accordance with the Bank's investment policy and include consideration of risk, return, duration, and portfolio concentrations.
Legal & Regulatory Risks (Item 1A, quoted)
- The Corporation operates in a highly regulated environment and may be adversely affected by changes in laws and regulations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 04:25 UTC. This page is informational and not investment advice.
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