Chemung Financial Corporation (CHMG)

In the past six months, Chemung Financial Corp.'s stock price was $50.69 as of November 19, 2025, which is 6.84% below its 52-week high and 20.75% above its 52-week low. On October 21, 2025, the company reported strong Q3 2025 earnings, with a net income of $7.8 million, or $1.62 per share, and a 9% increase in net interest income compared to the prior quarter, and announced a dividend increase of $0.02 per share. Insider trading activity has been observed with Director Jeffrey B. Streeter purchasing 2,184 shares in October 2025 and Loren Cole, Chief Information Officer, buying 2,983 shares in August 2025. Analyst ratings have been mixed, with Wall Street Zen upgrading Chemung Financial from a "hold" to a "buy" rating in November 2025, while Zacks Research downgraded the stock from a "strong-buy" to a "hold" rating in August 2025. The company currently holds an average "Hold" rating from analysts with an average target price of $54.50.

Information regarding specific demand seasonality for Chemung Financial Corp.'s products and services was not explicitly found in the provided search results. Demand for its various products may be influenced by general economic cycles, interest rate environments, and local market conditions rather than distinct seasonal patterns.

Chemung Financial Corp. is a financial services holding company operating through Chemung Canal Trust Company, categorized as a Regional Bank within the Financial sector. It offers banking, financing, fiduciary, and other financial services, including deposits, commercial and agricultural loans, mortgages, consumer loans, interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual funds, brokerage services, and tax preparation services. Its wealth management segment provides guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services.

Headquartered in Elmira, New York, Chemung Financial Corp. operates through 33 retail offices via its principal subsidiary, Chemung Canal Trust Company, spread across 14 counties in New York and Pennsylvania. The company also has a presence in the Albany, New York market, operating as the Capital Bank division, and established a loan production office in Buffalo, New York, in 2021.

Chemung Financial Corporation appears to maintain a positive reputation, particularly concerning its reporting and client relations. Its annual reports have an aggregate usefulness score of 4.8 out of 5.0 based on 279 reviews. In 2022, the company reported exceeding targeted benchmarks for new client acquisition and client retention. Its brokerage arm, CFS Group, Inc., also had a significant impact, exceeding $1 million in revenue in 2022. No specific events negatively impacting Chemung Financial Corp.'s brand reputation in the past year were found in the search results.

Chemung Financial Corp. is owned by a mix of institutional shareholders and insiders. Institutional shareholders hold 43.91% of the company's stock, while insiders own 69.47%. Key individual owners include David J. Dalrymple, Elizabeth T. Dalrymple, and Robert H. Dalrymple. Major institutional holders include Blackrock Inc., Chemung Canal Trust Co., Vanguard Group Inc., Dimensional Fund Advisors LP, Geode Capital Management, LLC, Bridgeway Capital Management, LLC, Acadian Asset Management LLC, Basswood Partners, L.L.C., State Street Corp., and Renaissance Technologies LLC.