企業概要
Chemung Financial Corporation functions as a bank holding company that oversees Chemung Canal Trust Company, an entity dedicated to delivering a comprehensive suite of banking, financing, fiduciary, and other financial services to its clientele. The firm operates within the Financial Services sector and specifically targets the Banks - Regional industry, positioning itself as a community-focused institution rather than a large-scale national bank. The company maintains a market capitalization of $289.11M and employs a workforce of 348 individuals to support its operational activities. With annual revenue reaching $90.67M, the firm's valuation suggests a modest market presence, reflecting the typical scale of a regional banking entity that relies on localized deposits and lending relationships to generate income.
財務健全性
Chemung Financial Corporation reported a Trailing Twelve Months (TTM) revenue of $90.67M and a net income of $15.10M, while EBITDA figures are not disclosed in the available data. The significant disparity between the reported revenue of $90.67M and the net income of $15.10M indicates a cost structure where operating expenses, such as salaries and overhead, consume a substantial portion of gross earnings before reaching the bottom line. While specific free cash flow data is unavailable, the reported cash balance stands at $65.78M, which represents a critical liquidity reservoir for the bank's daily operations and unexpected obligations. The company's profitability is characterized by a gross margin of 0.0%, which is standard for financial intermediaries that primarily earn interest spreads rather than product markups, alongside an operating margin of 38.4% and a profit margin of 16.7%. Regarding leverage, the firm holds $65.78M in cash against $156.93M in total debt, though a specific debt-to-equity ratio is not provided in the dataset. The current ratio is not disclosed, preventing a direct assessment of short-term liquidity coverage relative to current liabilities based solely on the provided metrics. Management effectiveness is evidenced by a Return on Equity (ROE) of 6.4% and a Return on Assets (ROA) of 0.6%, metrics that demonstrate the efficiency with which shareholder capital and total assets are utilized to generate profits within the highly competitive banking environment.
バリュエーション評価
The stock trades with a Trailing Twelve Months (TTM) P/E ratio of 19.11 and a Forward P/E ratio of 7.99. The substantial difference between the trailing P/E of 19.11 and the forward P/E of 7.99 implies that the market expects a significant acceleration in earnings growth, as the forward multiple is less than half of the trailing multiple. The Price to Book ratio is recorded at 1.13, indicating that the market values the company at a slight premium over its tangible book value, a common valuation for stable regional banks where assets are primarily cash and loans. Alternative valuation metrics include a Price to Sales ratio of 3.19, while the EV/EBITDA multiple is not available due to missing EBITDA data. In terms of trading range, the stock has seen a 52-week high of $65.50 and a 52-week low of $40.71. Without the specific current share price in the provided facts, the exact percentage deviation from the 52-week high cannot be calculated, but the range establishes the historical volatility bounds for the security. The stock exhibits a Beta of 0.46, which signifies that the share price is significantly less volatile than the broader market, moving only about 46% as much as the market index during periods of fluctuation.
Growth & Income
Chemung Financial Corporation demonstrated robust expansion with a Revenue Growth (YoY) of 16.0% and an Earnings Growth (YoY) of 26.6%. The fact that earnings growth of 26.6% outpaces revenue growth of 16.0% suggests an improving operational leverage or cost efficiency, as profitability is rising at a faster rate than the top line. As a dividend payer, the company offers a Dividend Yield of 2.2% with a Payout Ratio of 42.0%. This payout ratio of 42.0% is generally considered sustainable, as it utilizes less than half of the generated earnings for distribution, leaving ample room for retention and future investment. The company does not fall into the non-dividend payer category, as it actively distributes returns to shareholders while maintaining a healthy payout discipline. Overall, the firm presents a profile combining steady double-digit revenue expansion, accelerating earnings per share, and a consistent dividend policy that balances shareholder returns with capital preservation.