Chemung Financial CHMG Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 15.9%-8.4pp | 24.3%-0.9pp | 25.3%-4.9pp | 30.1%+0.6pp | |
| Free cash flow margin | 46.1%+19.1pp | 26.9%-3.8pp | 30.7%-5.5pp | 36.2%-3.0pp | |
| Returns | |||||
| Return on equity | 6.4%-5.1pp | 11.5%-2.3pp | 13.8%-1.4pp | 15.2%+2.4pp | |
| Return on assets | 0.6%-0.3pp | 0.9%-0.1pp | 0.9%-0.2pp | 1.1%0.0pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.9×+0.3× | 0.6×+0.3× | 0.2×-0.4× | 0.6×+0.5× | |
| Debt-to-assets | 0.1×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | |||||
| Book value per share | $53.02+17.5% | $45.14+9.4% | $41.26+16.4% | $35.45-21.5% | |
| Valuation | |||||
| Market capitalization | $358.26M+60.0% | $232.27M-1.7% | $236.2M+9.6% | $215.5M-1.1% | |
| Enterprise value | $509.4M+92.4% | $303.75M+26.5% | $240.15M-9.5% | $265.39M+22.7% | |
| Price / earnings | 19.6×+9.7× | 9.8×+0.4× | 9.4×+2.0× | 7.5×-0.8× | |
| Price / sales | 3.6×+1.4× | 2.4×0.0× | 2.4×+0.1× | 2.3×-0.2× | |
| Price / book | 1.4×+0.4× | 1.1×-0.1× | 1.2×-0.1× | 1.3×+0.3× | |
| EV / sales | 5.1×+2.5× | 3.1×+0.7× | 2.4×-0.3× | 2.8×+0.4× | |
| Free cash flow yield | 12.8%+1.6pp | 11.3%-1.6pp | 12.9%-3.2pp | 16.1%0.0pp | |
| Earnings yield | 5.1%-5.0pp | 10.2%-0.4pp | 10.6%-2.8pp | 13.4%+1.2pp | |
| Dividend yield | 1.8%-1.5pp | 3.2%+0.7pp | 2.5%-0.2pp | 2.7%+0.2pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
