Chemung Financial Corp (CHMG) — Titan Protect Analysis

CHMG

Chemung Financial Corp

Financial · ·

$71.03

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$334M

Total market value of the company

Trailing P/E

18.26

Reasonably valued

Forward P/E

9.19

Based on estimated future earnings — lower means cheaper

Rev Growth

+19.1%

Year-over-year revenue change

Profit Margin

19.2%

How much profit the company keeps from each dollar of revenue

ROE

7.4%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$70.25

-1% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Chemung Financial Corp

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including

https://www.chemungcanal.com

Country: United States Employees: 348 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

1.031

Excellent risk-adjusted returns

Kelly Fraction

0.0611

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.225

Returns exceed worst-case losses — strong risk profile

Annual Return

30.8%

Historical annualised return based on price data

Max Drawdown

-25.1%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.61

Less volatile than the market — more defensive

52W High

$70.83

-0% below the year high

52W Low

$43.20

64% above the year low

Avg Volume

21,412

Average daily shares traded — higher means easier to buy and sell

Short Ratio

1.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

196.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$3.79

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

41.5%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$95M

Total revenue over the last 12 months

Net Income

$18M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$72.00

Target Median

$70.25

Target Low

$68.50

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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