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Zacks Company Profile for Chemung Financial Corp (CHMG : NSDQ)

• Company Description    CHEMUNG FINANCIAL CORP. is a bank holding company, engaged thru the bank in full-service commercial and consumer banking and trust business. Number of Employees: 343

• Price / Volume Information    Yesterday's Closing Price: $59.44 Daily Weekly Monthly 20 Day Moving Average: 8,272 shares Shares Outstanding: 4.79 (millions) Market Capitalization: $284.98 (millions) Beta: 0.48 52 Week High: $65.50 52 Week Low: $40.71 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 7.60% 9.24% 12 Week 12.15% 8.33% Year To Date 6.52% 6.67%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL ONE CHEMUNG CANAL PLZ - ELMIRA,NY 14902 USA ph: 607-737-3711 fax: - kmckillip@chemungcanal.com http://www.chemungcanal.com

• General Corporate Information    Officers Anders M. Tomson - President and Chief Executive Officer David J. Dalrymple - Director and Chairman of the Board of Directors Dale M. McKim - Chief Financial Officer and Treasurer Raimundo C. Archibold - Director Ronald M. Bentley - Director Peer Information Chemung Financial Corp (TSFG) Chemung Financial Corp (ABCB) Chemung Financial Corp (CFNL) Chemung Financial Corp (CPKF) Chemung Financial Corp (HIB) Chemung Financial Corp (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 164024101 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 12/01/25 Next Expected EPS Date: 04/17/26 Share - Related Items Shares Outstanding: 4.79 Most Recent Split Date: 5.00 (3.00:1) Beta: 0.48 Market Capitalization: $284.98 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.29% Current Fiscal Quarter EPS Consensus Estimate: $1.54 Indicated Annual Dividend: $1.36 Current Fiscal Year EPS Consensus Estimate: $6.48 Payout Ratio: 0.23 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 12/19/2025 - $0.34 Next EPS Report Date: 04/17/26

• Fundamental Ratios P/E Current FY Estimate: 9.17 Trailing 12 Months: 10.25 PEG Ratio: - Price Ratios Price/Book: 1.16 Price/Cash Flow: 10.12 Price / Sales: 2.02 EPS Growth vs. Year Ago Period: 29.84% vs. Previous Quarter: -0.62% Sales Growth vs. Year Ago Period: 5.79% vs. Previous Quarter: 2.30% ROE 12/31/25 - 11.80 09/30/25 - 11.28 06/30/25 - 10.67 ROA 12/31/25 - 1.00 09/30/25 - 0.94 06/30/25 - 0.86 Current Ratio 12/31/25 - - 09/30/25 - 0.98 06/30/25 - 1.00 Quick Ratio 12/31/25 - - 09/30/25 - 0.98 06/30/25 - 1.00 Operating Margin 12/31/25 - 19.80 09/30/25 - 18.80 06/30/25 - 17.52 Net Margin 12/31/25 - 10.73 09/30/25 - 9.58 06/30/25 - 8.19 Pre-Tax Margin 12/31/25 - - 09/30/25 - 11.87 06/30/25 - 9.95 Book Value 12/31/25 - - 09/30/25 - 51.20 06/30/25 - 49.05 Inventory Turnover 12/31/25 - - 09/30/25 - 32.02 06/30/25 - 76.01 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.19 06/30/25 - 0.44 Debt-to-Capital 12/31/25 - - 09/30/25 - 16.23 06/30/25 - 30.43

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