CHMG PEER ANALYSIS

Chemung Financial Corp — metric-by-metric comparison with peers and the industry median

CHMGChemung Financial Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CHMGIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CHMG	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
P/E	19.32	—	15.35	2.98●	8.74	12.85	12.58
P/B	1.34	32,231.47	3.91	0.72●	1.34	1.35	1.26
EV/EBITDA	6.68	428,448.47	-9.42●	2.22	-8.72	14.45	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CHMG	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Current Ratio	—	—	—	—	0.25●	0.12	0.31
Debt/Equity	49.0%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	-6.50	-28.33●	-20.34	-0.47	-14.68	5.39	-0.58

Profitability
Metric	CHMG	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Net Margin	12.8%	28.1%	24.7%	54.9%●	20.1%	25.9%	20.6%
ROE	7.4%	20.2%	28.9%●	27.4%	14.9%	10.6%	10.9%
ROA	0.7%	1.8%	1.1%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CHMG	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-19.3%	71.8%●	—	-1.3%	16.0%	16.2%	19.4%
Div. Yield	1.8%	—	—	—	4.8%●	3.2%	2.5%
Payout	35.2%	—	—	—	—	—	31.4%

Valuation
Metric	CHMG	WSBF	BRBS	BCML	TSBK	CZFS	Ind. Median
P/E	19.32	11.49	28.48	13.64	11.09	8.56●	12.58
P/B	1.34	0.97●	1.23	1.05	1.26	0.98	1.26
EV/EBITDA	6.68●	17.85	20.73	9.23	8.37	8.17	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CHMG	WSBF	BRBS	BCML	TSBK	CZFS	Ind. Median
Current Ratio	—	0.23	—	0.02	179.28●	0.06	0.31
Debt/Equity	49.0%	118.6%	62.0%	5.9%●	8.5%	57.8%	38.0%
NetDebt/EBITDA	-6.50●	9.39	1.41	-0.08	-0.03	1.32	-0.58

Profitability
Metric	CHMG	WSBF	BRBS	BCML	TSBK	CZFS	Ind. Median
Net Margin	12.8%	14.2%	8.3%	18.3%	26.7%●	22.5%	20.6%
ROE	7.4%	8.5%	3.9%	7.8%	11.8%	12.1%●	10.9%
ROA	0.7%	1.3%	0.5%	1.0%	1.6%●	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CHMG	WSBF	BRBS	BCML	TSBK	CZFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-19.3%	57.1%●	—	12.7%	19.3%	38.4%	19.4%
Div. Yield	1.8%	3.0%	6.6%●	3.1%	2.4%	2.7%	2.5%
Payout	35.2%	36.3%	187.5%	31.0%	27.8%	24.4%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.