Chemung Financial (CHMG) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Chemung Financial had a P/E ratio of 17.71 (up from 9.81), return on equity of 6.4% (down from 11.5%), debt-to-equity of 0.62 (down from 0.66) and return on assets of 0.5% (down from 0.9%). Its dividend yield was 2.36% with a payout ratio of 41.9%.

Chemung Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	17.71	9.81	9.41	7.46	8.20	8.21
Forward P/E	8.40	9.71	11.05	7.75	10.02	9.58
P/S Ratio	2.95	2.39	2.46	2.23	2.42	1.98
P/B Ratio	1.05	1.08	1.21	1.29	1.02	0.79
Price/Tangible Book	1.15	1.20	1.36	1.48	1.14	0.89
Price/FCF	6.11	8.87	7.73	6.20	6.17	5.69
Price/OCF	5.88	7.79	7.62	6.12	6.11	5.52
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	6.43%	11.53%	13.83%	15.24%	12.85%	10.08%
Return on Assets (ROA)	0.55%	0.86%	0.93%	1.14%	1.13%	0.95%
Leverage & Solvency Ratios
Debt/Equity	0.62	0.66	0.33	0.80	0.21	0.13
Debt/FCF	3.58	5.44	2.13	3.83	1.28	0.94
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	5.65%	10.19%	10.63%	13.41%	12.20%	12.18%
FCF Yield	16.38%	11.28%	12.93%	16.13%	16.20%	17.58%
Dividend Yield	2.36%	2.54%	2.50%	2.71%	2.57%	3.51%
Payout Ratio	41.88%	31.11%	23.36%	20.14%	20.13%	25.99%
Buyback Yield	-0.71%	-0.80%	-0.83%	-0.21%	2.48%	1.38%
Total Return	1.65%	1.74%	1.67%	2.50%	5.05%	4.89%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Chemung Financial Financial Ratios

What is Chemung Financial's P/E ratio?

Chemung Financial's P/E ratio was 17.71 for fiscal 2025 (period ended Dec 31, 2025). It was 9.81 a year earlier.

What is Chemung Financial's return on equity?

Chemung Financial's return on equity (ROE) was 6.4% for fiscal 2025 (period ended Dec 31, 2025). It was 11.5% a year earlier.

What is Chemung Financial's debt-to-equity ratio?

Chemung Financial's debt-to-equity ratio was 0.62 for fiscal 2025 (period ended Dec 31, 2025). It was 0.66 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition