📊 CHMG Key Takeaways
Investment Thesis
Chemung Financial Corp demonstrates solid revenue growth of 52.4% YoY with healthy free cash flow generation (33% FCF margin), but profitability has deteriorated significantly with net income declining 36.2% YoY and ROE/ROA metrics remaining subdued at 5.9% and 0.6% respectively. The weak interest coverage ratio of 1.5x and elevated long-term debt position present financial stress concerns that offset the positive topline momentum.
CHMG Strengths
- Strong revenue growth of 52.4% YoY indicating business expansion
- Excellent free cash flow generation at $43.8M with 33% FCF margin
- Conservative leverage profile with debt-to-equity ratio of 0.39x
- Substantial asset base of $2.7B providing operational scale
CHMG Risks
- Significant net income decline of 36.2% YoY raising profitability concerns
- Weak interest coverage ratio of 1.5x indicating limited debt servicing capacity
- Depressed return metrics with ROE of 5.9% and ROA of 0.6% suggesting inefficient asset deployment
- High insider activity with 44 Form 4 filings in 90 days requiring monitoring for potential insider concerns
Key Metrics to Watch
- Net profit margin trend and return to positive YoY growth
- Interest coverage ratio improvement above 2.0x threshold
- Return on equity recovery toward industry benchmarks of 8-12%
- Loan loss provisions and asset quality indicators given banking sector classification
CHMG Financial Metrics
💡 AI Analyst Insight
The 33.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CHMG Profitability Ratios
CHMG vs Finance Sector
How CHEMUNG FINANCIAL CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CHMG Balance Sheet & Liquidity
CHMG 5-Year Financial Trend
5-Year Trend Summary: CHEMUNG FINANCIAL CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $4.96 reflects profitable operations.
CHMG Growth Metrics (YoY)
CHMG Capital Allocation
CHMG SEC Filings
Access official SEC EDGAR filings for CHEMUNG FINANCIAL CORP (CIK: 0000763563)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CHMG
What is the AI rating for CHMG?
CHEMUNG FINANCIAL CORP (CHMG) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CHMG's key strengths?
Strong revenue growth of 52.4% YoY indicating business expansion. Excellent free cash flow generation at $43.8M with 33% FCF margin.
What are the risks of investing in CHMG?
Significant net income decline of 36.2% YoY raising profitability concerns. Weak interest coverage ratio of 1.5x indicating limited debt servicing capacity.
What is CHMG's revenue and growth?
CHEMUNG FINANCIAL CORP reported revenue of $132.8M.
Does CHMG pay dividends?
CHEMUNG FINANCIAL CORP pays dividends, with $6.3M distributed to shareholders in the trailing twelve months.
Where can I find CHMG SEC filings?
Official SEC filings for CHEMUNG FINANCIAL CORP (CIK: 0000763563) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CHMG's EPS?
CHEMUNG FINANCIAL CORP has a diluted EPS of $3.14.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.