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5-day change | 1st Jan Change | ||
43.3 USD | +0.23% | +0.12% | -13.05% |
04-22 | Keefe Bruyette & Woods Adjusts Chemung Financial's Price Target to $49 From $51, Keeps Market Perform Rating | MT |
04-18 | Earnings Flash (CHMG) CHEMUNG FINANCIAL Reports Q1 EPS $1.48 | MT |
Valuation
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Capitalization 1 | 206 | 158.1 | 216.6 | 214.6 | 235.2 | 205.8 | - |
Enterprise Value (EV) 1 | 206 | 158.1 | 216.6 | 214.6 | 235.2 | 205.8 | 205.8 |
P/E ratio | 13.2 x | 8.47 x | 8.24 x | 7.48 x | 9.43 x | 8.68 x | 8.14 x |
Yield | 2.45% | 3.06% | 2.56% | 2.7% | 2.49% | 2.86% | 2.86% |
Capitalization / Revenue | 2.55 x | 1.88 x | 2.42 x | 2.24 x | 2.38 x | 2.11 x | 1.96 x |
EV / Revenue | 2.55 x | 1.88 x | 2.42 x | 2.24 x | 2.38 x | 2.11 x | 1.96 x |
EV / EBITDA | - | - | - | - | - | - | - |
EV / FCF | - | - | - | - | - | - | - |
FCF Yield | - | - | - | - | - | - | - |
Price to Book | 1.14 x | 0.8 x | 1.03 x | 1.3 x | 1.21 x | 0.97 x | 0.87 x |
Nbr of stocks (in thousands) | 4,847 | 4,657 | 4,664 | 4,678 | 4,723 | 4,752 | - |
Reference price 2 | 42.50 | 33.95 | 46.45 | 45.87 | 49.80 | 43.30 | 43.30 |
Announcement Date | 22/01/20 | 22/01/21 | 26/01/22 | 26/01/23 | 25/01/24 | - | - |
Income Statement Evolution (Annual data)
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Net sales 1 | 80.68 | 84.04 | 89.46 | 95.62 | 99.01 | 97.59 | 105 |
EBITDA | - | - | - | - | - | - | - |
EBIT 1 | 24.99 | 28.11 | 33.78 | - | - | 31.5 | 38 |
Operating Margin | 30.97% | 33.44% | 37.76% | - | - | 32.28% | 36.18% |
Earnings before Tax (EBT) 1 | 19.04 | 23.87 | 33.76 | 36.89 | 31.5 | 30.41 | 32.19 |
Net income 1 | 15.61 | 19.26 | 26.42 | 28.78 | 25 | 23.74 | 25.4 |
Net margin | 19.35% | 22.92% | 29.54% | 30.1% | 25.25% | 24.33% | 24.19% |
EPS 2 | 3.210 | 4.010 | 5.640 | 6.130 | 5.280 | 4.987 | 5.320 |
Free Cash Flow | - | - | - | - | - | - | - |
FCF margin | - | - | - | - | - | - | - |
FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
FCF Conversion (Net income) | - | - | - | - | - | - | - |
Dividend per Share 2 | 1.040 | 1.040 | 1.190 | 1.240 | 1.240 | 1.240 | 1.240 |
Announcement Date | 22/01/20 | 22/01/21 | 26/01/22 | 26/01/23 | 25/01/24 | - | - |
Income Statement Evolution (Quarterly data)
Fiscal Period: December | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net sales 1 | 22.68 | 22.45 | 22.96 | 24.03 | 26.29 | 25.37 | 24.04 | 25.82 | 23.77 | 23.75 | 24.08 | 24.66 | 25.12 | 25.2 | 25.97 |
EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBIT | 8.301 | - | - | - | - | - | 8.129 | - | - | - | - | - | - | - | - |
Operating Margin | 36.6% | - | - | - | - | - | 33.81% | - | - | - | - | - | - | - | - |
Earnings before Tax (EBT) 1 | 8.231 | 8.817 | 10.36 | 8.194 | 9.516 | 9.258 | 7.893 | 9.708 | 4.643 | 9.088 | 6.792 | 7.07 | 7.425 | 7.103 | 7.851 |
Net income 1 | 6.454 | 6.867 | 8.024 | 6.453 | 7.439 | 7.271 | 6.28 | 7.648 | 3.802 | 7.05 | 5.322 | 5.568 | 5.819 | 5.612 | 6.197 |
Net margin | 28.46% | 30.58% | 34.95% | 26.86% | 28.3% | 28.66% | 26.12% | 29.61% | 16% | 29.69% | 22.1% | 22.58% | 23.17% | 22.27% | 23.86% |
EPS 2 | 1.380 | 1.460 | 1.720 | 1.370 | 1.580 | 1.540 | 1.330 | 1.610 | 0.8000 | 1.480 | 1.117 | 1.167 | 1.223 | 1.173 | 1.297 |
Dividend per Share 2 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 | 0.3100 |
Announcement Date | 26/01/22 | 21/04/22 | 21/07/22 | 21/10/22 | 26/01/23 | 20/04/23 | 20/07/23 | 24/10/23 | 25/01/24 | 18/04/24 | - | - | - | - | - |
Balance Sheet Analysis
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Net Debt | - | - | - | - | - | - | - |
Net Cash position | - | - | - | - | - | - | - |
Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
Free Cash Flow | - | - | - | - | - | - | - |
ROE (net income / shareholders' equity) | 8.86% | 9.94% | 12.9% | 15.9% | 14.1% | 11.7% | 11.3% |
ROA (Net income/ Total Assets) | 0.88% | 0.94% | 1.09% | 1.15% | 0.94% | 0.85% | 0.88% |
Assets 1 | 1,774 | 2,049 | 2,424 | 2,503 | 2,660 | 2,783 | 2,898 |
Book Value Per Share 2 | 37.40 | 42.50 | 45.10 | 35.30 | 41.10 | 44.70 | 49.70 |
Cash Flow per Share | - | - | - | - | - | - | - |
Capex | - | - | - | - | - | - | - |
Capex / Sales | - | - | - | - | - | - | - |
Announcement Date | 22/01/20 | 22/01/21 | 26/01/22 | 26/01/23 | 25/01/24 | - | - |
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
EPS Revisions
1st Jan change | Capi. | |
---|---|---|
-13.05% | 206M | |
+14.20% | 301B | |
+18.59% | 252B | |
+25.74% | 216B | |
+21.29% | 183B | |
+25.50% | 170B | |
+9.52% | 162B | |
+5.28% | 146B | |
-15.88% | 131B | |
+5.13% | 130B |
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- Financials Chemung Financial Corporation