OakChart

Chemung Financial Corp

CHMGFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET

85.88-0.41 (-0.48%)
2026-11-12 05:19 CET
Market cap
414.18 USD m
Revenue, TTM
- USD m
Net income, TTM
38.05 USD m
Free cash flow, TTM
44.43 USD m
EPS diluted, TTM
7.88
P/E
10.90
Compare

Price

CHMG against its 20, 50 and 200-day averages
2050200beatmiss
60.0070.0080.0090.0065K131KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CHMGclose 85.8820-day 84.4250-day 83.23200-day 71.6385.8852w high

3.9% under the 52-week high of 89.34 on 4 Nov 2026. 52-week low 50.24 on 11 Nov 2025. Last 15 sessions, 10.2% high to low

Volume 1.00× normal · the line is the 50-bar volume average

Profile

CHMG
52-week range, 91% of the way up
50.2489.34

Chemung Financial Corp. is a holding company, which engages in the provision of banking, financing, fiduciary, and other financial services. It operates through the following segments: Core Banking and Wealth Management Services (WMG). The Core Banking segment focuses on deposits from the general public to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the local markets of the firm and to invest in securities. The WMG segment provides trust and investment advisory services to clients. The company was founded on January 2, 1985 and is headquartered in Elmira, NY.

IndexRUT
Employees348
IPOApr 04, 1994
Beta0.60
ATR, 14d2.12
Rel volume1.00
Short float5.32%
Insider own24.62%
Inst own51.24%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap414.18M
Enterprise Value-
Income38.05M
Sales164.42M
Book/sh56.73
Cash/sh-
Dividend Est.1.39 (1.62%)
Dividend TTM1.38 (1.61%)
Dividend Ex-DateSep 17, 2026
Dividend Gr. 3/5Y2.11% 4.88%
Payout41.98%
Employees348
IPOApr 04, 1994

Ratios

P/E10.90
Forward P/E10.18
PEG0.67
P/S2.52
P/B1.51
P/C-
P/FCF9.32
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.05
Debt/Eq0.50
LT Debt/Eq0.19
Option/ShortNo / Yes

Earnings

EPS (ttm)7.88
EPS next Y8.44
EPS next Q2.13
EPS this Y45.14%
EPS next Y0.21%
EPS next 5Y15.30%
EPS past 3/5Y-19.97% -4.76%
Sales past 3/5Y10.95% 9.89%
EPS Y/Y TTM184.40%
Sales Y/Y TTM18.85%
EPS Q/Q62.30%
Sales Q/Q6.62%
EarningsOct 22 AMC
EPS/Sales Surpr.34.51% 0.34%

Ownership

Insider Own24.62%
Insider Trans-0.43%
Inst Own51.24%
Inst Trans5.78%
ROA1.37%
ROE14.67%
ROIC11.66%
Gross Margin-
Oper. Margin30.80%
Profit Margin23.14%
SMA201.73%
SMA503.18%
SMA20019.89%
Trades-

Technical

Shs Outstand4.82M
Shs Float3.64M
Short Float5.32%
Short Ratio2.87
Short Interest0.19M
52W High89.34 -3.87%
52W Low50.24 70.94%
Volatility2.60% 2.42%
ATR (14)2.12
RSI (14)56.83
Beta0.60
Rel Volume1.00
Avg Volume67.49K
Volume67,710

Performance

Perf Week-1.15%
Perf Month6.86%
Perf Quarter2.80%
Perf Half Y29.38%
Perf YTD53.91%
Perf Year67.11%
Perf 3Y95.98%
Perf 5Y78.99%
Perf 10Y177.03%
Recom2.00
Target Price92.35
Prev Close86.29
Price85.88
Change %-0.48%

Analyst ratings

latest 10 of 13
DateActionAnalystRating changeTargetImplied
Oct 12, 2026InitiatedHHovde GroupMarket Perform$88+2.5%
Sep 29, 2026InitiatedDDA DavidsonBuy$95+10.6%
Sep 02, 2026InitiatedRRaymond JamesOutperform$87+1.3%
Dec 20, 2024ResumedPPiper SandlerNeutral$57-33.6%
Oct 22, 2020DowngradeDDA DavidsonBuy → Neutral$32 → $37-56.9%
Mar 09, 2020UpgradeDDA DavidsonNeutral → Buy$44 → $37-56.9%
Dec 20, 2019InitiatedKKeefe BruyetteMkt Perform$49-42.9%
Aug 27, 2019InitiatedDDA DavidsonNeutral
Aug 06, 2019UpgradeJJanneyNeutral → Buy
Apr 22, 2019DowngradeSSandler O'NeillBuy → Hold

Peers

Mkt cap
TickerCompanyMkt cap
CZNCCitizens & Northern Corp505.30M
TMPTompkins Financial Corp1.44B
AROWArrow Financial Corp715.83M
FISIFinancial Institutions Inc782.08M
CZFSCitizens Financial Services Inc412.85M
NWFLNorwood Financial Corp394.81M
PBFSPioneer Bancorp Inc455.23M
TRSTTrustco Bank Corp957.29M
CCNECNB Financial Corp (PA)1.06B
FNLCFirst Bancorp Inc (ME)415.92M

Insider trading

9 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
COLE LOREN DEVP & CIOSep 16 '26Sale83.505,160430,8475,164Sep 17 10:22 AM
COLE LOREN DOfficerSep 16 '26Proposed Sale84.005,160433,440Sep 15 04:18 PM
Tyrrell Thomas R.DirectorApr 27 '26Sale65.3378851,4808,050Apr 27 01:29 PM
Dalrymple Robert HDirectorFeb 26 '26Sale56.562,833160,2321,351Feb 26 02:09 PM
Dalrymple Robert HDirectorFeb 20 '26Proposed Sale60.012,833170,000Feb 25 01:36 PM
Fariello Daniel DPresident, Capital Bank Div.Feb 04 '26Sale61.1374845,7257,110Feb 05 09:13 AM
Fariello Daniel DPresident, Capital Bank Div.Feb 03 '26Sale61.5724214,9017,858Feb 04 09:33 AM
Daniel D. FarielloExecutive VP & President of CeFeb 04 '26Proposed Sale59.0499058,445Feb 03 11:32 AM
Tyrrell Thomas R.DirectorFeb 02 '26Sale61.0050030,5008,800Feb 02 02:42 PM

Held by

AUM
TickerCompanyAUM
IWMiShares Russell 2000 Index FundAUM: 77.38B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-222.6301.9552.63031.9831.875
2026Q22026-07-221.8201.7651.79631.1730.522
2026Q12026-04-171.9101.6251.88229.9029.212
2025Q42026-01-261.6101.6151.60930.5229.482
2025Q32025-10-211.6201.6101.59628.7828.092
2025Q22025-07-171.3101.320-1.32210.1026.402
2025Q12025-04-181.2601.1971.25725.7125.903
2024Q42025-01-281.2401.2071.23925.8824.973
2024Q32024-10-221.1901.1251.19823.7424.332
2024Q22024-07-181.0501.1351.04623.3624.312
2024Q12024-04-181.4801.0431.48023.7523.743
2023Q42024-01-250.8101.1200.80223.7723.253
2023Q32023-10-241.2101.1331.61525.8323.503
2023Q22023-07-201.3301.2101.32824.0424.313
2023Q12023-04-201.5401.3671.54025.3724.953
2022Q42023-01-261.5801.4701.58326.2924.783

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.7002.9201.54877.4876.91
2018FY3.8003.7054.06283.5581.65
2019FY3.2003.4583.20680.6881.10
2020FY4.0103.8684.01184.0483.26
2021FY5.6405.2475.64389.4688.00
2022FY6.1306.0576.13395.6294.53
2023FY4.8905.2135.28399.0197.36
2024FY4.9604.9104.96397.2996.21
2025FY5.8005.7303.14095.10110.75
2026FY-8.418--125.45
2027FY-8.436--134.71
2028FY-8.890--142.61

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2641032.4532.0132.80
2026Q4S2026-10-2340032.3032.0132.50
2026Q4S2026-10-2240032.3232.1832.50
2026Q4S2026-10-0940032.3232.1832.50
2026Q4S2026-09-3030032.2932.1832.50
2026Q4S2026-09-2530032.2832.1832.45
2026Q4S2026-08-3120032.1932.1832.20
2026Q4S2026-07-2410032.1832.1832.18
2026Q4S2026-07-2310032.0232.0232.02
2026Q4S2026-07-0110032.0232.0232.02
2026Q4S2026-04-1711032.0232.0232.02
2026Q4S2026-04-1210031.5731.5731.57
2026Q4S2026-01-2710131.5731.5731.57
2026Q4S2025-11-1110032.0932.0932.09

Estimate history

EPS, annual1.5484.0623.2064.0115.6436.1335.2834.9633.1447.8773
Period201720182019202020212022202320242025TTM
EPS, quarterly1.1981.2391.257-1.3221.5961.6091.8821.7962.59
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual80.46885.3387.21587.77292.463102.982137.524150.441140.656164.42
Period201720182019202020212022202320242025TTM
Sales, quarterly38.10838.66637.62322.21839.82840.87739.96841.10542.466
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual4.7514.8214.8574.6684.6734.6954.7374.7544.7914.822
Period201720182019202020212022202320242025MRQ
Shares, quarterly4.7574.7544.7894.7924.7954.7914.8194.824.822
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income138.81132.84127.56113.0781.4769.0166.9166.9364.55
Total Interest Expense41.0445.6853.5138.627.303.423.996.324.07
Net Interest Income97.7787.1674.0674.4674.1865.5962.9260.6160.48
Loan Loss Provision-0.304.44-0.053.26-0.550.024.245.953.15
Net Interest Income After Loan Loss Provision98.0882.7274.1171.1974.7365.5758.6854.6757.33
Non-Interest Income25.607.8222.8824.4521.5123.4520.8620.2820.78
Non-Interest Expense73.0470.6166.9064.1459.3555.2755.6855.9153.48
Operating Income50.6319.9430.0931.5036.8933.7623.8719.0424.62
Unusual Expense0.000.000.000.000.000.000.000.000.99
Net Income Before Taxes50.6319.9430.0931.5036.8933.7623.8719.0423.64
Income Taxes12.184.836.416.508.117.334.613.434.01
Consolidated Net Income38.0515.1023.6725.0028.7826.4319.2615.6119.63
Net Income From Continuing Operations38.0515.1023.6725.0028.7826.4319.2615.6119.63
Net Income38.0515.1023.6725.0028.7826.4319.2615.6119.63
EPS (Recurring)7.863.144.965.286.135.644.013.214.20
EPS (Basic, Before Extraordinaries)7.883.144.965.286.135.644.013.214.06
EPS (Diluted)7.883.144.965.286.135.644.013.214.06
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.410.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.111.110.950.950.950.500.590.470.44
Price To Earnings Ratio10.9010.9010.798.217.748.248.4513.2610.17
Price To Sales Ratio2.381.911.551.712.092.351.862.372.34
Operating Margin30.8014.1720.0022.9135.8236.5127.1921.8328.86
Net Margin23.1410.7415.7318.1827.9528.5821.9517.9023.00
Shares Outstanding4.824.794.754.744.694.674.674.864.82
Market Capitalization414.18414.18232.27235.19214.58216.65158.10206.00198.58

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income36.1234.8933.5934.2233.8833.0331.7032.60
Total Interest Expense10.4510.2210.0010.3811.2012.2311.8812.78
Net Interest Income25.6724.6723.5823.8422.6920.8119.8219.82
Loan Loss Provision-2.600.560.601.141.061.151.090.55
Net Interest Income After Loan Loss Provision28.2824.1122.9822.7121.6219.6618.7319.27
Non-Interest Income6.356.216.386.665.94-10.825.926.07
Non-Interest Expense18.1119.0317.5218.3717.5017.6616.9617.84
Operating Income16.5111.2911.8410.9910.07-8.817.697.50
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes16.5111.2911.8410.9910.07-8.817.697.50
Income Taxes3.802.482.643.252.27-2.361.661.59
Consolidated Net Income12.538.699.087.747.68-6.366.025.91
Net Income From Continuing Operations12.538.699.087.747.68-6.366.025.91
Net Income12.538.699.087.747.68-6.366.025.91
EPS (Recurring)2.591.801.881.611.60-1.321.261.24
EPS (Basic, Before Extraordinaries)2.591.801.881.611.60-1.321.261.24
EPS (Diluted)2.591.801.881.611.60-1.321.261.24
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.17-0.12-0.120.00-0.120.100.000.00
Stock Option Compensation Expense0.320.320.240.240.400.240.300.24
Price To Earnings Ratio10.9019.8117.1420.1522.1410.239.5910.79
Price To Sales Ratio2.382.231.821.911.831.711.511.55
Operating Margin38.8827.4729.6326.8925.28-39.6620.4319.40
Net Margin29.5221.1422.7218.9419.28-28.6116.0115.30
Shares Outstanding4.824.824.824.794.794.794.794.75
Market Capitalization414.18359.46259.33267.52251.62232.21227.81232.27

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks22.7726.2222.2529.3117.3629.4725.2033.0427.97
Investments341.18589.24631.86699.74822.51656.72396.83353.16308.30
Net Loans2,245.352,050.031,950.151,809.791,497.221,515.541,285.741,292.961,290.66
Investment in Unconsolidated Affiliates0.000.000.000.000.100.200.300.400.40
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.260.650.330.200.140.240.520.571.94
Net Property, Plant & Equipment20.1621.8220.2222.5625.2027.2630.4224.9826.66
Interest Receivables10.008.007.808.685.996.274.634.484.64
Other Intangible Assets70.5280.1877.9375.2849.9543.7644.1946.1548.99
Total Assets2,710.242,776.152,710.532,645.552,418.472,279.451,787.831,755.341,707.62
Total Deposits2,270.672,396.882,429.432,327.232,155.432,037.771,572.141,569.241,467.45
Total Debt139.52118.5240.80105.7625.5411.1112.174.3074.22
Long Term Debt50.947.967.568.669.609.8210.863.944.52
Provision for Risks Charges0.590.840.920.000.000.000.000.000.00
Other Liabilities44.7544.5944.1546.1826.0530.8620.8916.7716.14
Total Liabilities2,455.532,560.842,515.292,479.162,207.022,079.751,605.201,590.311,557.81
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity254.71215.31195.24166.39211.46199.70182.63165.03149.81
Total Shareholders Equity254.71215.31195.24166.39211.46199.70182.63165.03149.81
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity254.71215.31195.24166.39211.46199.70182.63165.03149.81
Total Liabilities & Stockholders Equity2,710.242,776.152,710.532,645.552,418.472,279.451,787.831,755.341,707.62
Book Value Per Share53.1645.2941.2135.4445.2542.7837.6034.2331.53
Tangible Book Value Per Share48.6140.7036.6130.7940.5738.0532.9529.4226.50
Tier 1 Capital268.94258.55239.43219.82196.15175.22165.86153.26136.66
Tier 2 Capital68.8222.2323.4319.6618.9417.7416.3816.1516.36
Full-Time Employees348343339340337341362374371
Price to Book Ratio1.511.051.381.381.030.791.131.211.48
Return on Assets0.550.860.931.141.120.950.881.130.44
Return on Equity6.4311.5313.8315.2412.8510.088.9812.474.96
Return on Invested Capital4.9410.6012.3316.4411.959.198.0711.624.81
Current Ratio0.030.020.020.030.020.080.110.110.02

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations43.2439.1830.0733.0438.3436.0831.4125.7628.87
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital2.926.63-0.24-2.05-3.08-0.45-2.480.83-3.22
Cash from Operating Activities46.1545.8229.8230.9935.2635.6428.9426.5925.65
Capital Expenditures-1.72-1.69-3.63-0.46-0.43-0.37-0.87-0.88-1.77
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.081.410.040.000.000.000.000.000.00
Purchase or Sale of Investments17.86270.7149.9359.4363.93-259.71-260.95-32.7650.88
Purchase of Investments-10.13-4.47-5.17-3.32-25.08-404.21-331.57-119.50-18.61
Sale Or Maturity of Investments28.00275.1855.1062.7589.01144.5070.6186.7469.49
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.280.000.000.000.000.290.210.000.00
Cash from Investing Activities-186.5868.00-57.73-82.49-252.84-242.66-496.13-32.9046.04
Cash Dividends Paid-6.64-6.33-7.37-5.84-5.80-5.32-5.01-5.03-4.97
Change in Capital Stock-0.120.140.090.28-0.51-1.19-6.570.580.64
Repurchase of Common Pref Stock-0.54-0.40-0.34-0.32-0.93-1.62-7.590.000.00
Sale of Common Pref Stock0.420.540.430.600.420.431.020.580.64
Proceedsfrom Stock Options0.420.540.430.600.420.431.020.580.64
Issuance or Reduction of Debt, Net40.9421.6477.92-64.1780.9714.31-0.24-0.22-69.91
Change in Long Term Debt-46.17-0.340.73-0.28-0.27-0.26-0.24-0.22-2.21
Issuance of Long Term Debt-45.000.000.730.000.000.000.000.000.00
Reduction of Long Term Debt-1.17-0.340.00-0.28-0.27-0.26-0.24-0.22-2.21
Net Financing Active Other Cash Flow-1.03-1.030.000.000.000.000.000.000.00
Other Financing Activities Uses--1.03-0.000.000.000.000.000.00
Cash from Financing Activities104.62-110.7638.1032.48246.46125.47453.82-1.7627.55
Net Change in Cash-35.813.0610.19-19.0228.89-81.56-13.37-8.0799.24
Free Cash Flow44.4344.1326.2030.5334.8435.2728.0725.7123.88
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow10.357.0912.369.547.417.267.0710.0110.55
Federal Home Loan Advances Increase (Decrease)--0.35-3.622.70-3.98-1.07-0.050.042.65

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks32.9328.9927.6822.7732.4535.83
Investments337.50347.99333.77341.18386.58603.39
Net Loans2,375.802,341.922,286.822,245.352,178.712,109.75
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment20.7320.1320.5420.1620.3220.58
Interest Receivables9.709.309.0010.008.608.10
Other Intangible Assets72.4069.8268.7970.5269.9874.84
Total Assets2,851.342,820.202,748.722,710.242,696.632,852.49
Total Deposits2,385.252,363.932,313.902,270.672,358.522,468.96
Total Debt138.12142.37128.80139.5252.66108.08
Long Term Debt52.7051.9549.2450.9452.2952.36
Provision for Risks Charges0.020.070.600.590.300.29
Other Liabilities54.4443.4642.5044.7539.8640.19
Total Liabilities2,577.832,549.842,485.792,455.532,451.332,617.52
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity273.51270.36262.93254.71245.31234.97
Total Shareholders Equity273.51270.36262.93254.71245.31234.97
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity273.51270.36262.93254.71245.31234.97
Total Liabilities & Stockholders Equity2,851.342,820.202,748.722,710.242,696.632,852.49
Book Value Per Share56.7356.0954.5653.1651.1649.03
Tangible Book Value Per Share52.2051.5650.0348.6146.6144.48
Tier 1 Capital295.94284.48276.83268.94262.56255.85
Tier 2 Capital69.9669.97-68.8268.1967.36
Full-Time Employees---348--
Price to Book Ratio1.511.371.011.091.071.02
Return on Assets1.371.170.650.550.480.40
Return on Equity14.6713.147.396.425.695.18
Return on Invested Capital3.842.702.912.532.58-2.21
Current Ratio0.050.050.040.030.070.20

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations11.2910.8710.4010.679.0411.05
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.12-1.64-1.365.803.30-1.27
Cash from Operating Activities11.419.239.0416.4712.339.78
Capital Expenditures-0.67-0.32-0.13-0.60-0.40-0.36
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.080.021.30
Purchase or Sale of Investments4.214.895.563.2111.47242.30
Purchase of Investments-4.94-1.000.00-4.20-0.09-0.08
Sale Or Maturity of Investments9.155.895.567.4111.57242.38
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.280.000.000.00
Cash from Investing Activities-27.61-51.77-35.84-71.35-57.63208.67
Cash Dividends Paid-1.74-1.64-1.64-1.63-1.63-1.53
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.030.09-0.01-0.220.220.08
Repurchase of Common Pref Stock-0.06-0.01-0.17-0.29-0.01-0.01
Sale of Common Pref Stock0.090.100.160.070.230.08
Proceedsfrom Stock Options0.090.100.160.070.230.08
Issuance or Reduction of Debt, Net-4.5913.97-11.4943.05-55.2614.06
Change in Long Term Debt-4.592.57-0.09-44.06-0.2644.06
Issuance of Long Term Debt-2.482.480.00-45.000.0045.00
Reduction of Long Term Debt-2.110.09-0.090.94-0.26-0.94
Net Financing Active Other Cash Flow0.000.000.00-1.030.000.00
Other Financing Activities Uses--0.00---
Cash from Financing Activities14.9362.2830.08-2.67-167.1148.17
Net Change in Cash-1.2719.743.27-57.55-212.41266.62
Free Cash Flow10.758.918.9015.8711.939.42
Price to Free Cash Flow10.359.236.547.109.5510.70

Revenue breakdown

United States2024: 97.29M 2025: 95.10M
Consolidation, Policy2024: 12.64M 2025: 11.14M
Core Banking2024: 84.65M 2025: 83.97M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.32%0.2M3.6M68.79K
2026-10-155.01%0.2M3.6M69.03K
2026-09-304.17%0.2M3.6M67.35K
2026-09-154.03%0.1M3.6M61.09K
2026-08-312.78%0.1M3.6M57.55K
2026-08-141.97%0.1M3.6M57.15K
2026-07-311.65%0.1M3.6M53.47K
2026-07-152.45%0.1M3.6M43.33K
2026-06-302.24%0.1M3.6M33.96K
2026-06-151.15%0.0M3.6M26.73K
2026-05-290.89%0.0M3.6M19.67K
2026-05-150.84%0.0M3.6M13.94K
2026-04-300.69%0.0M3.6M8.64K
2026-04-150.67%0.0M3.6M6.90K
2026-03-310.80%0.0M3.6M7.17K
2026-03-130.74%0.0M3.6M7.10K
2026-02-270.60%0.0M3.6M8.27K
2026-02-130.59%0.0M3.6M8.58K
2026-01-300.68%0.0M3.5M7.89K
2026-01-150.64%0.0M3.5M7.70K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-10-018-KCurrent report2026-10-01SEC
2026-09-174Statement of changes in beneficial ownership of securities2026-09-16SEC
2026-09-15144Filing for proposed sale of securities under Rule 144.SEC
2026-08-198-KCurrent report2026-08-19SEC
2026-08-124Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-113Initial statement of beneficial ownership of securities2026-08-10SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-27SCHEDULE 13GSEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-228-KCurrent report2026-07-22SEC
2026-07-15SCHEDULE 13G/ASEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-03SEC
2026-06-254Statement of changes in beneficial ownership of securities2026-06-24SEC
2026-06-1011-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-028-KCurrent report2026-06-02SEC
2026-05-218-KCurrent report2026-05-21SEC
2026-05-088-KCurrent report2026-05-08SEC
2026-05-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-04-274Statement of changes in beneficial ownership of securities2026-04-27SEC
2026-04-23DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-04-23ARSAnnual report to security holders. 2025-12-31SEC
2026-04-23DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-06-02SEC
2026-04-178-KCurrent report2026-04-17SEC
2026-04-078-KCurrent report2026-04-03SEC
2026-03-1310-KAnnual report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-03-024Statement of changes in beneficial ownership of securities2026-02-27SEC
2026-03-024Statement of changes in beneficial ownership of securities2026-02-27SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0900430.85K1
2026-080000
2026-070000
2026-060000
2026-050000
2026-040051.48K1
2026-030000
2026-0200251.36K4
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.8.12%
CHEMUNG CANAL TRUST CO5.80%
DIMENSIONAL FUND ADVISORS LP3.98%
VANGUARD CAPITAL MANAGEMENT LLC3.41%
MANUFACTURERS LIFE INSURANCE COMPANY, THE3.37%
ACADIAN ASSET MANAGEMENT LLC2.66%
PL Capital Advisors, LLC2.27%
GEODE CAPITAL MANAGEMENT, LLC2.04%
STATE STREET CORP1.40%
RENAISSANCE TECHNOLOGIES LLC1.26%

Funds

Fund% owned
Angel Oak Financial Strategies Income Term Trust41.50%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.51%
iShares Russell 2000 ETF2.30%
BlackRock Advantage Small Cap Core Fund1.28%
Fidelity Small Cap Index Fund0.92%
VANGUARD EXTENDED MARKET INDEX FUND0.82%
iShares Russell 2000 Value ETF0.79%
U.S. Targeted Value Portfolio0.62%
Avantis U.S. Small Cap Value ETF0.59%
EA Bridgeway Omni Small-Cap Value ETF0.56%

OakChart. CHMG. Cached 15 minutes.