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Chemung Financial Corp is a bank holding firm. Through its subsidiaries, the company provides various financial services, including demand, savings, and time deposits, commercial, residential, and consumer loans, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services, among others. The company's reportable segments are Core Banking, Wealth Management (WMG) services, and Holding company and CFS. Maximum revenue is generated from the Core Banking segment, which derives revenue by attracting deposits from the general public and using such funds to originate different types of loans, and to invest in securities. The Wealth Management (WMG) services segment provides trust and investment advisory services to clients.
1985
343
LTM Revenue $105M
Last FY EBITDA n/a
$352M
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Chemung Financial has a last 12-month revenue (LTM) of $105M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Chemung Financial achieved revenue of $96.1M and an EBITDA of n/a.
Chemung Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Chemung Financial valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $105M | XXX | $96.1M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $30.0M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 29% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $18.2M | XXX | $23.7M | XXX | XXX | XXX |
| Net Margin | 17% | XXX | 25% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $62.1M | XXX | XXX | XXX |
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As of August 15, 2025, Chemung Financial's stock price is $51.
Chemung Financial has current market cap of $244M, and EV of $352M.
See Chemung Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $352M | $244M | XXX | XXX | XXX | XXX | $5.46 |
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Start Free TrialAs of August 15, 2025, Chemung Financial has market cap of $244M and EV of $352M.
Chemung Financial's trades at 3.7x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Chemung Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Chemung Financial has a P/E ratio of 13.4x.
See valuation multiples for Chemung Financial and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $244M | XXX | $244M | XXX | XXX | XXX |
| EV (current) | $352M | XXX | $352M | XXX | XXX | XXX |
| EV/Revenue | 3.4x | XXX | 3.7x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 11.7x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 13.4x | XXX | 10.3x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 13.4x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialChemung Financial's last 12 month revenue growth is 12%
Chemung Financial's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged n/a for the same period.
Chemung Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Chemung Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Chemung Financial and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 12% | XXX | 13% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Chemung Financial acquired XXX companies to date.
Last acquisition by Chemung Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . Chemung Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Chemung Financial founded? | Chemung Financial was founded in 1985. |
| Where is Chemung Financial headquartered? | Chemung Financial is headquartered in United States of America. |
| How many employees does Chemung Financial have? | As of today, Chemung Financial has 343 employees. |
| Who is the CEO of Chemung Financial? | Chemung Financial's CEO is Mr. Anders M. Tomson. |
| Is Chemung Financial publicy listed? | Yes, Chemung Financial is a public company listed on NAS. |
| What is the stock symbol of Chemung Financial? | Chemung Financial trades under CHMG ticker. |
| When did Chemung Financial go public? | Chemung Financial went public in 1995. |
| Who are competitors of Chemung Financial? | Similar companies to Chemung Financial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of Chemung Financial? | Chemung Financial's current market cap is $244M |
| What is the current revenue of Chemung Financial? | Chemung Financial's last 12 months revenue is $105M. |
| What is the current revenue growth of Chemung Financial? | Chemung Financial revenue growth (NTM/LTM) is 12%. |
| What is the current EV/Revenue multiple of Chemung Financial? | Current revenue multiple of Chemung Financial is 3.4x. |
| Is Chemung Financial profitable? | Yes, Chemung Financial is EBITDA-positive (as of the last 12 months). |
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