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

Simplified Detailed

	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
Returns
Return on equity	6.4%-5.1pp	11.5%-2.3pp	13.8%-1.4pp	15.2%+2.4pp
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×
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%
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×
Dividend yield	1.8%-1.5pp	3.2%+0.7pp	2.5%-0.2pp	2.7%+0.2pp

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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.