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%-4.4pp	15.9%-8.4pp	14.7%-8.0pp	13%-11.3pp	22.8%-2.6pp
Free cash flow margin	46.2%+20.8pp	46.1%+19.1pp	35.8%+9.0pp	33.8%+6.6pp	25.4%-3.2pp
Returns
Return on equity	7.4%-3.2pp	6.4%-5.1pp	5.7%-5.3pp	5.1%-7.3pp	10.6%-2.6pp
Return on assets	0.7%-0.2pp	0.6%-0.3pp	0.5%-0.3pp	0.4%-0.5pp	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×+0.4×	0.9×+0.3×	0×-0.2×	0.7×+0.3×	0.4×+0.4×
Debt-to-assets	0.1×0.0×	0.1×0.0×	0×0.0×	0.1×0.0×	0×0.0×
Per Share
Book value per share	$54.50+14.4%	$53.02+17.5%	$50.99+10.3%	$48.87+15.8%	$47.65+15.2%
Valuation
Market capitalization	$358.26M+60.0%	$267.52M+15.2%	$251.62M+9.9%	$227.57M-0.5%	$227.81M+12.6%
Enterprise value	$509.4M+92.4%	$444.06M+46.2%	$152.63M-26.7%	$70.6M-71.2%	$268.59M+130%
Price / earnings	19.6×+9.7×	17.7×+7.9×	19×+8.3×	20.3×+10.6×	10.1×+1.9×
Price / sales	3.6×+1.4×	2.8×+0.4×	2.8×+0.4×	2.6×+0.3×	2.3×+0.2×
Price / book	1.4×+0.4×	1.1×0.0×	1×0.0×	1×-0.2×	1×0.0×
EV / sales	5.1×+2.5×	4.7×+1.5×	1.7×-0.5×	0.8×-1.7×	2.7×+1.5×
Free cash flow yield	12.8%+1.6pp	16.4%+5.1pp	12.9%+1.7pp	12.8%+1.3pp	11.1%-2.7pp
Earnings yield	5.1%-5.0pp	5.6%-4.5pp	5.3%-4.1pp	4.9%-5.3pp	9.9%-2.3pp
Dividend yield	1.8%-1.5pp	2.4%-0.8pp	2.5%-0.8pp	3.3%+0.7pp	3.3%+0.4pp

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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.