Stock Ratings / Financials / CHMG / insiders

FNLC (69) CBAN (40) PCB (67) CZFS (64) ⌘ Pro Terminal →

Chemung Financial Corp (CHMG) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$87.60 +2.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Chemung Financial Corp (CHMG) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $422.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CHMG)Realized 20D OHLCV Swing Band: ±4.8%

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CHMG Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CHMG)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CHMG. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CHMG Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CHMG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +31.91%⚡ TESTING RESISTANCE

2026-10-30O $87.99H $87.99L $85.53C $87.60VOL 103.2K

RES: $87.30SUP: $77.27SMA50: $82.52SMA200: $70.47

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CHMG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CHMG Butterfly Map → + Track CHMG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

21.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CHMG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CHMG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CHMG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CHMG)

Financials Rank #230 of 1096 ⚔️ FNLC vs CHMG Full Matrix →

1. Head-to-Head Financials Peer Comparison (CHMG vs. FNLC, CBAN, PCB, CZFS)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Chemung Financial Corp (CHMG) ranks #230 by composite RQD confidence (68/100, grade C+) and #740 by equity capitalization ($422.4M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CHMG at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CHMG ACTIVE Chemung Financial Corp	C+	68/100	28.0x	—	5.9%	+2.10%	$422.4M	Benchmark Subject
FNLC First Bancorp Inc (ME)	C+	69/100	12.0x	—	12.1%	+0.77%	$412.5M	/fnlc-vs-chmg →
CBAN Colony Bankcorp Inc.	D-	40/100	65.5x	—	1.8%	+0.30%	$433.3M	/cban-vs-chmg →
PCB PCB Bancorp	C+	67/100	10.9x	—	9.6%	+0.45%	$408.7M	/pcb-vs-chmg →
CZFS Citizens Financial Services Inc.	C	64/100	11.2x	—	10.8%	+1.26%	$408.4M	/czfs-vs-chmg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000763563

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Chemung Financial Corp (CHMG) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $15.1M, operating cash flow of $45.5M, and free cash flow of $43.8M (+67.3% YoY). On the balance sheet, CHMG closed FY2025 with $2.71B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$15.1M	$45.5M	$43.8M	$2.71B	—
FY2024 (FY)	2024-12-31	$0	$23.7M	$29.8M	$26.2M	$2.78B	—
FY2023 (FY)	2023-12-31	$0	$25.0M	$30.9M	$30.9M	—	—

3. CHMG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CHMG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Chemung Financial Corp (NASDAQ: CHMG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $87.60 (+2.10% 1D, market cap $422.4M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, CHMG ranks #230 in composite RQD confidence.

How does CHMG compare to FNLC and CBAN in the Financials sector?

Within the Financials sector (Major Banks), CHMG carries a Roarable C+ (68/100 RQD), trailing P/E of 28.0x, gross margin of —, and ROIC of 5.9%. By comparison, FNLC (First Bancorp Inc (ME)) holds a C+ grade (69/100 RQD, P/E 12.0x, ROIC 12.1%, cap $412.5M) and CBAN (Colony Bankcorp Inc.) posts a D- grade (40/100 RQD, P/E 65.5x, ROIC 1.8%, cap $433.3M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CHMG?

Per CHMG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000763563), Chemung Financial Corp generated $0 in revenue, $15.1M in net income, and $43.8M in free cash flow against $2.71B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CHMG trading relative to its 50-day, 200-day, and 52-week technical levels?

CHMG last traded at $87.60 (+2.10% on volume of 86,551 shares), positioning the stock +6.16% above its 50-day simple moving average ($82.52) and +24.31% above its 200-day simple moving average ($70.47). Across its 52-week range of $50.05 to $87.99, CHMG sits at the 99.0% percentile with a 14-day RSI of 64.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($83.40 to $91.80).

CHMG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are CHMG insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies CHMG leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: CHMG RQD Cockpit CHMG 12M Forecast CHMG Earnings & Move CHMG Dividends & DRIP CHMG Insiders & 13F CHMG Whale Options CHMG Profit Sankey CHMG News & Why