Chemung Financial Corporation

CHMG

Banks - Regional · Financial Services

Price

$75.95

-2.03 (-2.60%)

Market Cap

$366.1M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+2.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 4.7M (2021) → 4.8M (2025)

Chemung Financial Corporation operates as the 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 accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, incl

Winston Score History

Score breakdown

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Quality

Gross Margin

73.4%

Premium pricing power — 73.4% gross margin

Operating Margin

29.7%

Excellent — 29.7% operating margin

ROCE

3.1%

Weak — 3.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-5.2%

Shrinking sales (-5.2% YoY)

EPS YoY

-20.4%

Earnings shrinking (-20.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

259%

Turns 259% of profit into real cash

FCF Margin

32.2%

Converts sales into free cash efficiently (32.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.47

Conservative — low debt load (0.47)

Interest Cover

0.55x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

20.1x

Growth-priced — P/E 20.1

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+9.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (20.1 → 10.4)

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Dividends

Dividend Yield

1.83%

Small dividend — 1.83% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+7.9%

Dividend growing modestly (7.9% YoY)

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