CHMG
Chemung Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+28/100
Last price
81.11
▼ 0.80 (0.98%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
82.26
Prev close
81.91
Day high
82.80
Day low
81.45
Volume
51.50K
Market cap
$393.53M
P/E (TTM)
11.81
52W range
49.82 – 86.00
Day trading desk
Gap from prior close
+0.43%
Prior close 81.91
VWAP
82.28
-1.43% from price
Relative volume
0.46×
Quiet session
Session range
2.08%
81.11 – 82.80
Position in range
0%
Near session low
ATR (14D)
1.82
2.25% of price
Prior day high
82.87
PDH
Prior day low
81.05
PDL
Bid / ask spread
—
Quote not published
Session volume
31.42K
Avg 68.92K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.34%
-1.6%
1M
-3.80%
-5.0%
3M
+11.53%
+7.0%
6M
+46.27%
+28.1%
YTD
+46.27%
+32.0%
1Y
+55.38%
+39.0%
3Y
+106.06%
+23.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CHMG open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-5.64K
Net selling
Buy transactions
1
308 shares
Sell transactions
2
5.95K shares
Net transactions
+3
Buys less sells
Sell : buy shares
19.3 : 1
Heavily one-sided
Insider-held shares
871.00K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 16, 26 | COLE LOREN D Chief Technology Officer |
SELL | 5.16K | $430.85K | Indirect |
| Aug 10, 26 | CALKINS TIMOTHY D Executive Vice President |
STOCK | 308 | $25.02K | Direct |
| Apr 27, 26 | TYRRELL THOMAS R. Director |
SELL | 788 | $51.48K | Direct |
| Feb 26, 26 | DALRYMPLE ROBERT H Director |
SELL | 2.83K | $160.23K | Direct |
| Feb 17, 26 | TOMSON ANDERS Chief Executive Officer |
STOCK | 4.22K | $250.05K | Direct |
| Feb 17, 26 | KENEFICK JEFFREY PATRICK Officer |
STOCK | 1.37K | $81.04K | Direct |
| Feb 17, 26 | HAZELTON KIMBERLY A. Officer |
STOCK | 1.06K | $62.56K | Direct |
| Feb 17, 26 | FARIELLO DANIEL D Officer |
STOCK | 1.27K | $75.06K | Direct |
| Feb 17, 26 | COLE LOREN D Chief Technology Officer |
STOCK | 1.18K | $70.02K | Direct |
| Feb 17, 26 | COSGROVE PETER K Officer |
STOCK | 1.27K | $75.06K | Direct |
| Feb 17, 26 | STEMPIN JOHN J Officer |
STOCK | 127 | $7.52K | Direct |
| Feb 17, 26 | MCKIM DALE M. III Chief Financial Officer |
STOCK | 1.77K | $105.03K | Direct |
| Feb 17, 26 | CUTRONA VINCENT M Officer |
STOCK | 1.27K | $75.06K | Direct |
| Feb 17, 26 | MEISNER MARY E Officer |
STOCK | 1.14K | $67.53K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BENTLEY RONALD M |
Director | 47.24K | Stock Award(Grant) |
DALRYMPLE DAVID J |
Director | 47.86K | Stock Award(Grant) |
DALRYMPLE ROBERT H |
Director | 246.81K | Sale |
FORRESTEL RICHARD E JR |
Director | 15.27K | Stock Award(Grant) |
KENEFICK JEFFREY PATRICK |
Officer | 14.61K | Stock Award(Grant) |
LOUNSBERRY STEPHEN M III |
Director | 23.43K | Stock Award(Grant) |
STREETER JEFFREY B |
Director | 33.32K | Stock Award(Grant) |
TOMSON ANDERS |
Chief Executive Officer | 65.53K | Stock Award(Grant) |
TRANTER G THOMAS JR |
Director | 28.37K | Stock Award(Grant) |
WIRTH THOMAS W |
Officer | 23.17K | Stock Award(Grant) |
Fundamentals
Market cap$393.53M
Enterprise value$462.85M
Revenue (TTM)$117.01M
Gross profit$117.01M
EBITDA—
Net income$33.30M
EPS (TTM)$6.91
Free cash flow—
Total cash$90.66M
Total debt$159.99M
Book value / share$56.09
Shares outstanding4.82M
Float3.21M
Short % of float3.47%
Dividend yield1.76%
Beta (5Y)0.59
Valuation & profitability ratios
Trailing P/E11.81
Forward P/E9.95
PEG ratio—
Price / sales—
Price / book1.46
EV / revenue3.96
EV / EBITDA—
Gross margin0.00%
Operating margin37.93%
Profit margin28.67%
Return on equity13.27%
Return on assets1.18%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $93.95M | $96.11M | $97.96M | $94.61M | -2.2% |
| Operating revenue | $93.95M | $96.11M | $97.96M | $94.61M | -2.2% |
| Selling, general & admin | $41.77M | $38.93M | $36.58M | $33.37M | +7.3% |
| Pre-tax income | $19.94M | $30.09M | $31.50M | $36.89M | -33.7% |
| Tax provision | $4.83M | $6.41M | $6.50M | $8.11M | -24.7% |
| Net income | $15.10M | $23.67M | $25.00M | $28.78M | -36.2% |
| Net income to common | $15.10M | $23.67M | $25.00M | $28.78M | -36.2% |
| Basic EPS | 3.14 | 4.96 | 5.28 | 6.13 | -36.7% |
| Diluted EPS | 3.14 | 4.96 | 5.28 | 6.13 | -36.7% |
| Basic shares | 4.80M | 4.77M | 4.73M | 4.69M | +0.7% |
| Diluted shares | 4.80M | 4.77M | 4.73M | 4.69M | +0.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $50.10M | $47.03M | $36.85M | $55.87M | — | +6.5% |
| Accounts receivable | — | — | — | $59.46M | $31.74M | — |
| Property, plant & equipment | $20.16M | $21.82M | $20.22M | $22.56M | — | -7.6% |
| Goodwill & intangibles | $21.82M | $21.82M | $21.82M | $21.82M | — | 0.0% |
| Total assets | $2.71B | $2.78B | $2.71B | $2.65B | — | -2.4% |
| Current debt | $87.11M | $109.11M | $31.92M | $95.81M | — | -20.2% |
| Long-term debt | $44.03M | — | — | — | — | — |
| Total debt | $139.52M | $118.52M | $40.80M | $105.76M | — | +17.7% |
| Total liabilities | $2.46B | $2.56B | $2.52B | $2.48B | — | -4.1% |
| Retained earnings | $256.48M | $247.71M | $229.93M | $211.86M | — | +3.5% |
| Shareholder equity | $254.71M | $215.31M | $195.24M | $166.39M | — | +18.3% |
| Net tangible assets | $232.88M | $193.49M | $173.42M | $144.56M | — | +20.4% |
| Shares issued | 5.33M | 5.33M | 5.31M | 5.31M | — | +0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $15.10M | $23.67M | $25.00M | $28.78M | -36.2% |
| Depreciation & amortisation | $2.67M | $2.02M | $2.80M | $3.03M | +32.2% |
| Stock-based compensation | $1.45M | $1.24M | $1.14M | $795.00K | +16.8% |
| Change in working capital | $7.41M | -$47.00K | $844.00K | $26.18M | +15,859.6% |
| Operating cash flow | $45.50M | $29.82M | $30.88M | $35.05M | +52.6% |
| Capital expenditure | -$1.69M | -$3.63M | -$462.00K | -$426.00K | +53.5% |
| Investing cash flow | $68.32M | -$57.72M | -$82.38M | -$252.62M | +218.4% |
| Share buybacks | -$396.00K | -$344.00K | -$316.00K | -$933.00K | -15.1% |
| Dividends paid | -$6.33M | -$7.37M | -$5.84M | -$5.80M | +14.1% |
| Financing cash flow | -$110.76M | $38.10M | $32.48M | $246.46M | -390.7% |
| Free cash flow | $43.81M | $26.19M | $30.42M | $34.62M | +67.3% |
| End cash position | $50.10M | $47.03M | $36.85M | $55.87M | +6.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $30.71M | $29.57M | $30.20M | $28.51M | $9.81M | +3.9% |
| Operating revenue | $30.71M | $29.57M | $30.20M | $28.51M | $9.81M | +3.9% |
| Selling, general & admin | $10.98M | $10.14M | $10.61M | $10.78M | $10.36M | +8.3% |
| Pre-tax income | $11.29M | $11.84M | $10.99M | $10.07M | -$8.81M | -4.6% |
| Tax provision | $2.48M | $2.64M | $3.25M | $2.27M | -$2.36M | -6.1% |
| Net income | $8.81M | $9.20M | $7.74M | $7.79M | -$6.45M | -4.2% |
| Net income to common | $8.69M | $9.08M | $7.84M | $7.68M | -$6.36M | -4.3% |
| Basic EPS | 1.82 | 1.91 | 1.61 | 1.62 | -1.35 | -4.7% |
| Diluted EPS | 1.82 | 1.91 | 1.61 | 1.62 | -1.35 | -4.7% |
| Basic shares | 4.84M | 4.83M | 4.81M | 4.81M | 4.81M | +0.3% |
| Diluted shares | 4.84M | 4.83M | 4.81M | 4.81M | 4.81M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $73.11M | $53.37M | $50.10M | $107.65M | $320.05M | +37.0% |
| Property, plant & equipment | $20.13M | $20.54M | $20.16M | $20.32M | $20.58M | -2.0% |
| Goodwill & intangibles | $21.82M | $21.82M | $21.82M | $21.82M | $21.82M | 0.0% |
| Total assets | $2.82B | $2.75B | $2.71B | $2.70B | $2.85B | +2.6% |
| Current debt | $89.59M | $75.71M | $87.11M | $0 | $55.00M | +18.3% |
| Long-term debt | $44.08M | $44.05M | $44.03M | $44.00M | $44.15M | +0.1% |
| Total debt | $142.37M | $128.80M | $139.52M | $52.66M | $108.08M | +10.5% |
| Total liabilities | $2.55B | $2.49B | $2.46B | $2.45B | $2.62B | +2.6% |
| Retained earnings | $271.22M | $264.04M | $256.48M | $250.37M | $244.21M | +2.7% |
| Shareholder equity | $270.36M | $262.93M | $254.71M | $245.31M | $234.97M | +2.8% |
| Net tangible assets | $248.54M | $241.10M | $232.88M | $223.48M | $213.14M | +3.1% |
| Shares issued | 4.82M | 5.31M | 5.33M | 5.31M | 5.33M | -9.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $8.81M | $9.20M | $7.74M | $7.79M | -$6.45M | -4.2% |
| Depreciation & amortisation | $729.00K | $695.00K | $761.00K | $657.00K | $587.00K | +4.9% |
| Stock-based compensation | $387.00K | $340.00K | $466.00K | $339.00K | $347.00K | +13.8% |
| Change in working capital | -$1.40M | -$1.16M | $6.06M | $3.49M | -$1.16M | -20.3% |
| Operating cash flow | $9.23M | $9.04M | $16.33M | $12.24M | $9.75M | +2.2% |
| Capital expenditure | -$323.00K | -$133.00K | -$599.00K | -$400.00K | -$360.00K | -142.9% |
| Investing cash flow | -$51.77M | -$35.84M | -$71.21M | -$57.53M | $208.70M | -44.4% |
| Share buybacks | -$11.00K | -$173.00K | -$295.00K | -$11.00K | -$5.00K | +93.6% |
| Dividends paid | -$1.64M | -$1.64M | -$1.63M | -$1.63M | -$1.53M | +0.1% |
| Financing cash flow | $62.28M | $30.08M | -$2.67M | -$167.11M | $48.17M | +107.0% |
| Free cash flow | $8.91M | $8.90M | $15.73M | $11.84M | $9.39M | +0.1% |
| End cash position | $73.11M | $53.37M | $50.10M | $107.65M | $320.05M | +37.0% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.77 | 1.82 | +3.1% |
| Mar 2026 | 1.63 | 1.91 | +17.5% |
| Dec 2025 | 1.62 | 1.61 | -0.3% |
| Sep 2025 | 1.61 | 1.62 | +0.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.94 | 4 | $31.83M | +10.6% |
| Next quarter | 1.93 | 4 | $32.29M | +5.8% |
| Current year | 7.59 | 4 | $125.18M | +31.6% |
| Next year | 8.20 | 4 | $134.91M | +7.8% |
Analyst targets & ownership
Mean target$87.25
High target$95.00
Low target$81.00
Implied upside7.57%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders18.07%
Held by institutions51.12%
Institutions holding149
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
81.53
-0.52% from price
SMA 20
82.64
-1.24% from price
SMA 50
82.51
-1.08% from price
SMA 100
77.48
+4.68% from price
SMA 200
68.04
+19.95% from price
EMA 12
81.85
-0.91% from price
EMA 26
82.12
-1.23% from price
EMA 50
81.11
+0.00% from price
RSI (14)
46.8
Neutral
MACD (12,26,9)
-0.27
Hist -0.18
ATR (14)
1.82
2.23% of price
Realised vol 30D
19.6%
Annualised
Bollinger upper
85.50
20, 2σ
Bollinger lower
79.79
20, 2σ
50 / 200 cross
Golden
82.51 vs 68.04
Trend bias
Above 200
+19.95%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.29
Less volatile than market
Correlation to SPY
0.12
Largely independent
Realised vol 30D
19.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-21.2%
Peak to trough
Max drawdown 5Y
-35.0%
Peak to trough
ATR 14
1.82
2.23% of price
Beta (reported)
0.59
5Y monthly, from filing
Short interest
Shares short
146.22K
Prior 71.49K
Change vs prior
+104.5%
Shorts adding
% of float
3.47%
Normal
% of shares out
3.03%
Against total outstanding
Days to cover
2.5
Liquid
Float
3.21M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 29, 26 | DA Davidson | INITIATED | — | Buy |
| Sep 2, 26 | Raymond James | INITIATED | — | Outperform |
| Jul 28, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 28, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 21, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 22, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 22, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 22, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 6, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Jan 31, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Oct 22, 20 | DA Davidson | DOWNGRADE | Buy | Neutral |
Dividends & splits
Forward rate$1.44 / yr
Forward yield1.76%
5-year avg yield2.55%
Payout ratio19.54%
Ex-dividend dateSep 17, 2026
Next pay dateOct 1, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-10-01
Corporate Changes & Voting Matters
8-K · 2026-08-19
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-22
Annual report of employee stock purchase
11-K · 2026-06-10
Corporate Changes & Voting Matters
8-K · 2026-06-02
Corporate Changes & Voting Matters
8-K · 2026-05-21
Headlines
Chemung Financial to Unify Banking Operations Under Canal Bank & Trust Name
MT Newswires · 5d ago
Chemung Canal Trust Company Announces Plan to Unify Under New Name
GlobeNewswire · 5d ago
Beat the Market Like Zacks: PBF, Palantir, Adobe in Focus
Zacks · 16d ago
Chemung Financial Insider Sold Shares Worth $430,847, According to a Recent SEC Filing
MT Newswires · 20d ago
Chemung Financial Corp's Dividend Analysis
GuruFocus.com · 20d ago
3 Bank Stocks With Recent Dividend Increases Worth Considering
Zacks · 44d ago
Chemung Financial Corporation Announces Dividend Increase
GlobeNewswire · 49d ago
All You Need to Know About Chemung Financial (CHMG) Rating Upgrade to Strong Buy
Zacks · 54d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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