Chemung Financial Corporation (CHMG)

Over the past six months, Chemung Financial reported Q4 2025 earnings of $1.61 per share, beating estimates. Wall Street Zen upgraded Chemung Financial, while Zacks Research downgraded it. The Board of Directors approved a quarterly cash dividend of $0.34 per share. Several directors engaged in insider trading activities. A subsidiary sold securities, resulting in a pre-tax loss, but aimed to improve capital ratios. The Q3 2025 report showed an increase in net interest income but a decrease in net income due to increased provision for credit losses.

Information regarding specific demand seasonality for Chemung Financial Corp.'s products and services is not explicitly detailed in the provided search results. Some seasonality data might exist for its stock performance. Demand for certain services like mortgages or business loans could be influenced by economic cycles and seasonal business activity.

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company, offering banking, financing, fiduciary, and other financial services. Established in 1833, Chemung Canal Trust Company is the oldest locally-owned and managed community bank in New York State. The company operates in the Financial sector, specifically Regional - Northeast Banks. Chemung Financial Corp. offers deposits such as demand, savings, and time deposits. They also provide commercial, agricultural, commercial and residential mortgage, and consumer loans. Other financial services include interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual funds, brokerage services, and tax preparation services. Furthermore, they offer wealth management and fiduciary services, including guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services.

Chemung Financial Corporation is headquartered in Elmira, New York, and operates 30 to 33 retail offices through Chemung Canal Trust Company. The company's footprint extends throughout the Southern Tier of New York and into northern Pennsylvania.

Chemung Financial emphasizes relationship-driven banking and has deep historical roots. Its annual reports have a high usefulness score. Analyst sentiment indicates a consensus rating of "Reduce." The company's MarketRank™ score indicates it scored higher than 67% of companies evaluated in the finance sector. No specific negative events significantly impacted the brand reputation beyond market reactions and analyst downgrades.

Chemung Financial Corp. has a mix of institutional and individual owners. Institutional investors own 47.50% of the company's stock, with major holders including BlackRock Inc., Chemung Canal Trust Co., and The Vanguard Group Inc. Significant individual owners include David J. Dalrymple, Elizabeth T. Dalrymple, and Robert H. Dalrymple. Insiders collectively own 12.41% of the stock.