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About the company
Chemung Financial Corporation is a financial holding company. The Company through the Chemung Canal Trust Company (Bank) and CFS Group, Inc (CFS), provides a range of financial services, including demand, savings and time deposits, commercial, residential, and consumer loans, interest rate swaps, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services. The Company primarily focuses on banking and wealth management services. Its core banking segment attracts deposits from the public and uses such funds to originate consumer, commercial, commercial real estate, and other loans. Wealth management services provided by the Bank include services as executor and trustee under wills and agreements, and guardian, custodian, trustee, and agent for pension, profit-sharing and other employee benefit trusts, as well as various investment, pension, estate planning, and employee benefit administrative services.
- Revenue in USD (TTM)--
- Net income in USD--
- Incorporated1985
- Employees343.00
- LocationChemung Financial CorpOne Chemung Canal Plz,P O Box 1522ELMIRA 14902United StatesUSA
- Phone+1 (607) 737-3711
- Websitehttps://chemungfinancial.q4ir.com/corporate-information/corporate-profile/default.aspx
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| C&F Financial Corp | 151.50m | 26.84m | 259.78m | 545.00 | 9.66 | -- | 11.18 | 1.84 | 8.29 | 8.29 | 43.50 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.16 | 19.81 | -- | -- | -- | -- | 8.53 | 9.35 | 35.30 | 3.94 | -- | 3.90 |
| Middlefield Banc Corp | 105.76m | 21.16m | 274.95m | 246.00 | 13.03 | 1.23 | -- | 3.62 | 2.61 | 2.61 | 9.36 | 27.71 | -- | -- | -- | -- | 1.10 | 0.9746 | -- | -- | -- | -- | 27.87 | 25.06 | -- | -- | -- | 35.59 | 12.14 | 13.18 | -10.65 | 4.07 | -16.37 | 7.01 |
| Oak Valley Bancorp | 84.51m | 23.91m | 280.25m | 238.00 | 11.59 | -- | 15.09 | 3.43 | 2.88 | 2.88 | 9.86 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 29.26 | 32.98 | -- | -- | -- | -- | -9.99 | 10.10 | -4.15 | 11.81 | -- | 16.47 |
| FVCBankcorp Inc | 104.74m | 22.06m | 281.66m | 110.00 | 13.01 | 1.11 | 16.89 | 4.18 | 1.21 | 1.21 | 3.69 | 14.15 | -- | -- | -- | -- | 0.9823 | 0.7992 | -- | -- | -- | -- | 32.72 | 29.59 | -- | -- | -- | -- | -43.72 | -1.01 | 46.42 | 7.31 | -- | -- |
| Cashmere Valley Bank | 100.38m | 29.23m | 289.08m | -- | 9.90 | 1.07 | -- | 3.20 | 7.47 | 7.47 | 23.09 | 69.43 | -- | -- | -- | -- | 1.34 | 1.33 | -- | -- | -- | -- | 32.53 | 35.15 | -- | -- | -- | 26.32 | 6.86 | 13.36 | 3.79 | 2.75 | -- | -- |
| Western New England Bancorp Inc | 118.62m | 15.27m | 289.09m | 286.00 | 18.86 | 1.17 | 24.19 | 3.61 | 0.7525 | 0.7525 | 3.94 | 12.16 | -- | -- | -- | -- | 0.5666 | 0.7122 | -- | -- | -- | -- | 19.06 | 22.47 | -- | -- | -- | 30.00 | 8.00 | 7.44 | 30.88 | 6.37 | -- | 6.96 |
| Blue Foundry Bancorp | 92.07m | -9.20m | 295.22m | 184.00 | -- | 0.939 | -- | 6.46 | -0.4557 | -0.4557 | 2.27 | 15.14 | -- | -- | -- | -- | -0.4372 | -0.856 | -- | -- | -- | -- | -20.15 | -37.96 | -- | -- | -- | -- | 8.02 | 5.68 | -61.02 | -- | -42.38 | -- |
| Coastalsouth Bancshares Inc | 129.26m | 24.89m | 302.15m | 53.00 | 11.68 | 1.16 | 41.68 | 2.34 | 2.16 | 2.16 | 11.25 | 21.66 | 0.0587 | -- | -- | -- | 1.13 | 1.09 | 8.54 | 7.93 | -- | -- | 19.26 | 21.29 | -- | 1.58 | 0.886 | -- | 5.95 | 26.51 | 13.64 | 31.34 | -- | -- |
| Chemung Financial Corp | -100.00bn | -100.00bn | 308.16m | 343.00 | -- | 1.21 | -- | -- | -- | -- | -- | 52.97 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| FS Bancorp Inc | -100.00bn | -100.00bn | 319.14m | 580.00 | -- | 1.06 | -- | -- | -- | -- | -- | 40.83 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Citizens Financial Services Inc | 159.17m | 36.57m | 321.06m | 410.00 | 8.76 | 0.9498 | 11.67 | 2.86 | 7.62 | 7.62 | 23.41 | 70.32 | -- | -- | -- | -- | 1.20 | 1.08 | -- | -- | -- | -- | 32.55 | 30.10 | -- | -- | -- | -- | 3.14 | 17.76 | 31.47 | 7.82 | -- | -- |
| Avidbank Holdings Inc | -100.00bn | -100.00bn | 331.18m | 143.00 | -- | 1.21 | -- | -- | -- | -- | -- | 25.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.97 | -- | 25.08 | -- | -- | -- |
| Waterstone Financial Inc | 116.11m | 26.40m | 335.99m | 600.00 | 12.33 | 0.9616 | 16.35 | 2.37 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 54.48 | 2.60 | 8.15 | 41.28 | -20.11 | -- | 4.56 |
| PCB Bancorp | -100.00bn | -100.00bn | 337.69m | 270.00 | -- | 1.05 | -- | -- | -- | -- | -- | 27.41 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 346.43m | 136.00 | 7.60 | 0.985 | 10.05 | 3.30 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| River Financial Corp | 191.25m | 40.43m | 348.75m | 334.00 | 8.68 | 1.26 | 7.90 | 2.73 | 5.18 | 5.18 | 16.41 | 35.75 | -- | -- | -- | -- | 1.10 | 1.00 | -- | -- | -- | -- | 31.59 | 28.55 | -- | -- | -- | 11.64 | 28.62 | 28.36 | 17.12 | 23.02 | 3.06 | -- |
Data as of Feb 06 2026. Currency figures normalised to Chemung Financial Corp's reporting currency: US Dollar USD
29.38%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Chemung Canal Trust Co. (Investment Management)as of 31 Dec 2025 | 286.23k | 5.97% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 243.19k | 5.07% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 191.20k | 3.99% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 167.96k | 3.50% |
| Manulife Investment Management (US) LLCas of 30 Sep 2025 | 140.12k | 2.92% |
| Geode Capital Management LLCas of 30 Sep 2025 | 92.73k | 1.93% |
| Acadian Asset Management LLCas of 30 Sep 2025 | 77.80k | 1.62% |
| Bridgeway Capital Management LLCas of 30 Sep 2025 | 77.76k | 1.62% |
| BlackRock Advisors LLCas of 30 Sep 2025 | 72.24k | 1.51% |
| PL Capital Advisors LLCas of 30 Sep 2025 | 59.13k | 1.23% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
