Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.66 | 7.69 | 10.24 | 7.04 | 8.66 | 8.21 | — | 9.44 | 9.84 | 10.00 | 11.43 | 7.18 | 15.56 | 6.15 | 7.22 | 6.74 | 7.26 | 7.59 | 6.83 | 7.99 | 8.41 |
| — | -6.3% | — | -25.4% | -12.0% | -18.0% | — | +31.5% | -36.8% | +62.7% | +58.3% | +6.5% | +114.4% | -18.9% | +5.7% | -15.7% | -13.7% | -4.9% | -10.6% | +6.3% | +10.0% | |
| P/S Ratio | 4.08 | 3.06 | 11.48 | 2.17 | 2.20 | 2.22 | 5.94 | 2.24 | 2.28 | 2.39 | 2.47 | 2.15 | 2.51 | 1.83 | 1.91 | 1.95 | 2.10 | 2.04 | 2.42 | 2.47 | 2.43 |
| — | +38.1% | +93.3% | -3.1% | -3.7% | -7.4% | +140.4% | +4.0% | -9.1% | +30.5% | +29.2% | +10.5% | +19.4% | -10.1% | -20.9% | -21.2% | -13.5% | -13.1% | +3.9% | +6.8% | +34.0% | |
| P/B Ratio | 1.60 | 1.43 | 1.33 | 0.99 | 1.05 | 1.03 | 0.99 | 1.00 | 1.08 | 1.04 | 1.14 | 1.03 | 1.21 | 1.10 | 1.02 | 1.10 | 1.30 | 1.26 | 1.26 | 1.18 | 1.03 |
| — | +38.9% | +34.3% | -1.1% | -2.6% | -0.8% | -12.8% | -2.8% | -10.5% | -5.8% | +11.1% | -7.1% | -6.6% | -12.7% | -18.9% | -6.4% | +25.9% | +22.7% | +24.0% | +17.2% | +28.7% | |
| P/FCF | 23.00 | — | 10.10 | 7.29 | 4.27 | 5.34 | 6.21 | 8.32 | 13.50 | 6.70 | 10.50 | 6.43 | 16.33 | 5.00 | 6.47 | 4.71 | 22.60 | 3.39 | 4.68 | 9.17 | 6.01 |
| — | — | +62.8% | -12.3% | -68.4% | -20.4% | -40.9% | +29.2% | -17.3% | +34.1% | +62.3% | +36.6% | -27.8% | +47.4% | +38.3% | -48.6% | +276.3% | -43.2% | -18.6% | +51.8% | +27.9% | |
| EV / EBITDA | 9.68 | 4.24 | — | 7.20 | 5.33 | 4.61 | — | 8.05 | 9.34 | 6.64 | 8.98 | 3.18 | 11.30 | 2.92 | 5.44 | 6.53 | 6.47 | 4.62 | 5.55 | 4.27 | 5.97 |
| — | -7.9% | — | -10.6% | -42.9% | -30.6% | — | +153.3% | -17.3% | +127.5% | +65.0% | -51.4% | +74.5% | -36.8% | -2.0% | +52.9% | +8.4% | +4.9% | +39.3% | +201.3% | +194.4% | |
| EV / EBIT | 19.59 | 4.24 | — | 7.62 | 5.70 | 4.91 | — | 8.74 | 10.15 | 7.20 | 9.93 | 3.21 | 12.93 | 3.12 | 5.94 | 7.05 | 6.97 | 5.03 | 5.96 | 4.65 | 6.56 |
| — | -13.6% | — | -12.8% | -43.8% | -31.8% | — | +172.2% | -21.5% | +130.8% | +67.1% | -54.5% | +85.5% | -38.0% | -0.3% | +51.5% | +6.3% | +4.1% | +30.6% | +206.9% | +175.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.3% | 108.1% | 95.1% | 98.0% | 96.3% | 96.3% | 88.3% | 95.7% | 97.8% | 97.6% | 96.2% | 108.7% | 90.2% | 98.2% | 99.0% | 98.9% | 95.8% | 94.8% | 107.7% | 105.2% | 99.7% |
| — | +12.3% | +7.7% | +2.4% | -1.6% | -1.4% | -8.2% | -11.9% | +8.4% | -0.6% | -2.8% | +9.9% | -5.8% | +3.6% | -8.0% | -6.0% | -3.9% | -3.7% | +6.9% | +3.9% | +0.8% | |
| Operating Margin | 21.1% | 51.6% | -151.0% | 39.6% | 36.0% | 35.3% | -89.8% | 30.2% | 29.4% | 30.2% | 27.0% | 38.7% | 19.7% | 38.0% | 33.3% | 36.8% | 37.2% | 34.0% | 45.5% | 39.9% | 36.8% |
| — | +46.2% | -68.0% | +31.0% | +22.4% | +16.9% | -432.3% | -21.9% | +49.0% | -20.4% | -18.7% | +5.1% | -46.8% | +11.6% | -26.9% | -7.6% | +0.9% | -7.9% | +14.2% | +1.5% | +24.1% | |
| Net Margin | 16.0% | 39.7% | 112.3% | 30.8% | 25.4% | 27.3% | -65.8% | 23.7% | 23.2% | 23.9% | 21.5% | 30.0% | 16.2% | 29.9% | 26.5% | 28.9% | 29.0% | 26.8% | 35.2% | 31.0% | 28.9% |
| — | +45.4% | +270.7% | +29.9% | +9.4% | +14.4% | -405.5% | -21.1% | +43.4% | -20.1% | -18.6% | +3.8% | -44.3% | +11.6% | -24.9% | -6.8% | +0.6% | -8.9% | +15.5% | +0.6% | +21.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 4.7% | 3.3% | 3.6% | 3.1% | 3.2% | -2.8% | 2.7% | 2.7% | 2.7% | 2.5% | 3.6% | 2.1% | 4.4% | 3.5% | 4.2% | 4.6% | 3.9% | 4.5% | 3.5% | 3.1% |
| — | +44.0% | +218.6% | +30.9% | +14.1% | +19.7% | -211.2% | -24.4% | +30.3% | -38.4% | -29.3% | -15.0% | -55.0% | +12.6% | -20.5% | +22.3% | +49.5% | +20.6% | +30.7% | +4.5% | +17.2% | |
| ROA | 0.6% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | -0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.1% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +59.6% | +238.5% | +55.9% | +34.4% | +35.7% | -226.9% | -15.7% | +51.9% | -27.2% | -23.6% | -6.5% | -51.0% | +10.1% | -27.7% | -2.2% | +7.3% | -6.8% | +15.6% | +1.4% | +13.3% | |
| ROIC | 5.0% | 3.0% | -2.2% | 2.7% | 3.0% | 2.4% | -2.0% | 1.8% | 1.8% | 1.9% | 1.9% | 3.1% | 1.7% | 3.5% | 2.3% | 2.5% | 3.3% | 3.1% | 3.6% | 3.1% | 2.7% |
| — | +27.5% | -11.2% | +55.2% | +61.3% | +24.0% | -205.2% | -43.0% | +9.3% | -45.6% | -17.9% | +21.9% | -48.5% | +13.0% | -36.8% | -17.2% | +19.7% | +6.7% | +15.2% | +2.1% | +16.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | 0.51 | 0.53 | 0.49 | 0.02 | 0.21 | 0.46 | 0.41 | 0.55 | 0.27 | 0.45 | 0.05 | 0.21 | 0.05 | 0.34 | 0.56 | 0.64 | 0.07 | 0.32 | 0.06 | 0.12 |
| — | +135.3% | +14.5% | +18.7% | -96.5% | -20.5% | +3.0% | +786.6% | +163.4% | +401.9% | +31.6% | -91.7% | -67.1% | -23.3% | +5.2% | +874.0% | +426.2% | +32.9% | +490.8% | -0.0% | +117.1% | |
| Debt / EBITDA | 0.22 | 5.12 | — | 10.27 | 0.42 | 4.91 | — | 11.29 | 14.54 | 7.59 | 12.98 | 1.00 | 7.68 | 0.88 | 6.98 | 9.99 | 10.32 | 1.22 | 5.06 | 1.12 | 2.82 |
| — | +4.4% | — | -9.0% | -97.1% | -35.3% | — | +1029.5% | +89.4% | +761.7% | +85.9% | -90.0% | -25.6% | -27.9% | +37.9% | +795.5% | +265.5% | +2.9% | +361.9% | -11.9% | +94.9% | |
| Current Ratio | 0.13 | 0.13 | 0.14 | — | 0.13 | 0.15 | 0.24 | 0.19 | 0.19 | 0.25 | 0.25 | 0.26 | 0.25 | 0.29 | 0.29 | 0.30 | 0.31 | 0.33 | 0.35 | 0.39 | 0.39 |
| — | -12.1% | -40.8% | — | -28.6% | -39.7% | -3.3% | -29.4% | -25.8% | -11.5% | -15.2% | -10.8% | -18.3% | -13.0% | -17.2% | -23.2% | -21.3% | -16.8% | -3.2% | +3.8% | +13.6% | |
| Quick Ratio | 0.13 | 0.13 | 0.14 | — | 0.13 | 0.15 | 0.24 | 0.19 | 0.19 | 0.25 | 0.25 | 0.26 | 0.25 | 0.29 | 0.29 | 0.30 | 0.31 | 0.33 | 0.35 | 0.39 | 0.39 |
| — | -12.1% | -40.8% | — | -28.6% | -39.7% | -3.3% | -29.4% | -25.8% | -11.5% | -15.2% | -10.8% | -18.3% | -13.0% | -17.2% | -23.2% | -21.3% | -16.8% | -3.2% | +3.8% | +13.6% | |
| Interest Coverage | 0.44 | 2.58 | -1.16 | 1.18 | 1.06 | 0.90 | -0.72 | 0.65 | 0.59 | 0.52 | 0.46 | 0.69 | 0.38 | 0.88 | 0.86 | 1.47 | 2.64 | 4.08 | 11.55 | 11.29 | 10.31 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CHMG stock.
Chemung Financial Corporation's current P/E is 10.7x. The average P/E over the last 4 quarters is 8.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Chemung Financial Corporation's current operating margin is 21.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Chemung Financial Corporation's business trajectory between earnings reports.