Part of the financial services sector, Chemung Financial Corporation (CHMG) is listed under Banks - Regional. The $366.1M market capitalization puts CHMG squarely in small-cap range for its industry. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits.
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The company holds $70.0M in cash, though total debt stands at $145.6M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 7.4% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.7% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $94.6M (2022) to $94.0M (2025).
The relatively low beta of 0.60 suggests CHMG is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing CHMG's risk profile alongside its fundamentals and technical indicators provides a more complete picture.