Where do Chemung Financial's ratios come from?

Every ratio is computed from Chemung Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Chemung Financial CHMG Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	18.4%+2.5pp	15.9%+1.2pp	14.7%+1.6pp	13%-9.8pp	22.8%-1.5pp
Free cash flow margin	46.2%+0.1pp	46.1%+10.3pp	35.8%+2.0pp	33.8%+8.5pp	25.4%-1.5pp
Returns
Return on equity	7.4%+1.0pp	6.4%+0.7pp	5.7%+0.6pp	5.1%-5.5pp	10.6%-0.9pp
Return on assets	0.7%+0.1pp	0.6%+0.1pp	0.5%+0.1pp	0.4%-0.4pp	0.8%-0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.8×-0.1×	0.9×+0.9×	0×-0.7×	0.7×+0.3×	0.4×-0.1×
Debt-to-assets	0.1×0.0×	0.1×+0.1×	0×-0.1×	0.1×0.0×	0×0.0×
Per Share
Book value per share	$54.50+2.8%	$53.02+4.0%	$50.99+4.3%	$48.87+2.5%	$47.65+5.6%
Valuation
Market capitalization	$358.26M+60.0%	$267.52M+6.3%	$251.62M+10.6%	$227.57M-0.1%	$227.81M-1.9%
Enterprise value	$509.4M+92.4%	$444.06M+191%	$152.63M+116%	$70.6M-73.7%	$268.59M-11.6%
Price / earnings	19.6×+9.7×	17.7×-1.2×	19×-1.4×	20.3×+10.2×	10.1×+0.2×
Price / sales	3.6×+1.4×	2.8×0.0×	2.8×+0.1×	2.6×+0.4×	2.3×-0.1×
Price / book	1.4×+0.4×	1.1×0.0×	1×+0.1×	1×0.0×	1×-0.1×
EV / sales	5.1×+2.5×	4.7×+3.0×	1.7×+0.9×	0.8×-1.9×	2.7×-0.4×
Free cash flow yield	12.8%+1.6pp	16.4%+3.5pp	12.9%+0.1pp	12.8%+1.7pp	11.1%-0.2pp
Earnings yield	5.1%-5.0pp	5.6%+0.4pp	5.3%+0.4pp	4.9%-5.0pp	9.9%-0.3pp
Dividend yield	1.8%-1.5pp	2.4%-0.1pp	2.5%-0.8pp	3.3%0.0pp	3.3%+0.1pp

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Where do Chemung Financial's ratios come from?: Every ratio is computed from Chemung Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.