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Chemung Financial Corp Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 30 Oct 2025.
Chemung Financial Corp: what insiders have been doing
Chemung Financial Corp is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). 24 insiders have disclosed 59 filings since 18 October 2025.
Open-market activity splits into 2 purchases totalling €156k and 7 sales totalling €630k; 1 insider sit on the buying side and 4 insiders on the selling side. The net balance comes to €475k on the selling side. Open-market purchases are the filings investors watch most closely, because the insider pays for the shares out of pocket. On the buying side, the filings list 1 senior executive among the declarants. One trade stands out by size: a sale of €374k from Cole Loren d, disclosed on 17 September 2026, or 0.11% of market capitalisation.
The most recent open-market purchase was published on 30 October 2025, 353 days ago. Typically, a trade is published a median of 2 days after it takes place. Section 16 rules allow two business days to file each Form 4. A sale on its own says little: insiders also sell to pay tax, fund a purchase or diversify.
Across the 5,816 companies tracked on its exchange, the median is 19 filings; at 59 filings, this issuer sits above that mark. Over the whole record (from 2016), the tally stands at 29 purchases and 25 sales. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 15.1 m USD, with a dividend of 1.32 USD per share.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
304
Thresholds
n/a
Buy Volume
€2M
29 ops. · all time
Sell Volume
€2M
25 ops. · all time
Who traded when
BuySaleStreeter Jeffrey B6 buys
Loren D. Cole1 buy2 sales
Thomas R. Tyrrell3 sales
Daniel D. Fariello2 sales
Jeffrey P. Kenefick1 buy
Meade Joseph F IV1 buy
+1 other insider
Since the insiders bought
- +18.6%Entry US$50.67 · Close at T+90 US$60.07
- +66.6%Entry US$49.75 · Close at T+365 US$82.86
- +39.7%Entry US$53.39 · Close at T+365 US$74.57
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Chemung Financial Corp Buy (bullish), based on 5 analysts. Average price target: US$89.30.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 2,325 of 24,148 companies
74.2
score / 100
Value71
Quality78
FCF yld11%
Earn yld3.9%
EV/EBITDA·
ROE13%
Gross mgn·
Net mgn16%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$80.37
Analyst consensus
5 analystsBuy
US$86.00Target US$89.30(+11%)US$95.00
Income statement
RevenueUS$94M
Net incomeUS$15.1M28.7% margin
Valuation
PER (trailing)11.5x
PER (forward)9.8x
P/Book1.4x
Beta0.59
Balance sheet & cash
Market capUS$387.5M
Total debtUS$139.5M
Free Cash FlowUS$43.8M
Profitability & ownership
ROE13.3%
ROA1.2%
% insiders18.1%
% institutions51.2%
Last declaration on 17 September 2026
Declarations304 total
5,160 shares@ US$83.49750.11% mcap34.1% of flowCOMMON STOCKSEC:0001762855-26-000008:0
5,160 shares@ US$84.000.11% mcap34.2% of flowCommon StockSEC144:0000854142-26-000006
308 shares@ US$81.240.0063% mcap100.0% of flowCOMMON STOCKSEC:0002148900-26-000005:0
187 shares@ US$74.500.0035% mcap3.2% of flowCOMMON STOCKSEC:0001982520-26-000006:0
98 sharesCOMMON STOCKSEC:0002050031-26-000006:0
248 shares@ US$65.830.0044% mcap5.4% of flowCOMMON STOCKSEC:0001602516-26-000007:0
540 shares@ US$65.100.0095% mcap11.7% of flowCOMMON STOCKSEC:0001602516-26-000007:1
147 shares@ US$55.521.8% of flowCOMMON STOCKSEC:0001982520-26-000004:0
12 shares@ US$55.522.0% of flowCOMMON STOCKSEC:0001954922-26-000004:0
119 shares@ US$55.521.4% of flowCOMMON STOCKSEC:0001785682-26-000004:0
104 shares@ US$55.521.5% of flowCOMMON STOCKSEC:0001682546-26-000004:0
95 shares@ US$55.523.5% of flowCOMMON STOCKSEC:0002050031-26-000004:0
119 shares@ US$55.521.3% of flowCOMMON STOCKSEC:0001836770-26-000006:0
119 shares@ US$55.520.5% of flowCOMMON STOCKSEC:0001762855-26-000006:0
79 shares@ US$55.523.3% of flowCOMMON STOCKSEC:0002050028-26-000006:0
116 shares@ US$55.521.3% of flowCOMMON STOCKSEC:0001727262-26-000010:0
1,603 shares@ US$55.525.9% of flowCOMMON STOCKSEC:0001518614-26-000004:0
2,833 shares@ US$56.559180.0% of flowCOMMON STOCKSEC:0001183768-26-000004:0
1,056 shares@ US$59.2416.3% of flowCOMMON STOCKSEC:0001682546-26-000002:0
1,140 shares@ US$59.2450.0% of flowCOMMON STOCKSEC:0002050028-26-000004:0
1,773 shares@ US$59.2423.4% of flowCOMMON STOCKSEC:0001982520-26-000002:0
127 shares@ US$59.2423.0% of flowCOMMON STOCKSEC:0001954922-26-000002:0
1,368 shares@ US$59.2415.7% of flowCOMMON STOCKSEC:0001836770-26-000004:0
1,182 shares@ US$59.245.4% of flowCOMMON STOCKSEC:0001762855-26-000004:0
1,267 shares@ US$59.2415.5% of flowCOMMON STOCKSEC:0001727262-26-000008:0
25 of 304 declarations
About Chemung Financial Corp
Chemung Financial Corp. (ticker CHMG) is a U.S.-listed bank holding company traded on the Nasdaq Global Select Market under the symbol CHMG. For international investors, it is best viewed as a small-cap regional U.S. financial institution with a business model anchored in community banking rather than national-scale universal banking. The company was founded in 1833 and is headquartered in Elmira, New York, United States. Its principal operating subsidiary is Chemung Canal Trust Company, a long-established community bank that forms the core of the group’s franchise. ([stockanalysis.com](https://stockanalysis.com/stocks/chmg/company/?utm_source=openai))
Chemung Financial’s business model is centered on traditional banking services, but with a broader local relationship-banking mix. The group provides deposit products, commercial lending, commercial and residential real estate lending, consumer lending, cash management, fiduciary services, and wealth management solutions. This makes CHMG a diversified regional bank rather than a niche lender. Its competitive edge comes from local market knowledge, long-standing customer relationships, and the ability to serve households, small businesses, and wealth management clients in its core footprint. The trade-off is that the company remains more geographically concentrated than larger diversified U.S. banks. ([stockanalysis.com](https://stockanalysis.com/stocks/chmg/company/?utm_source=openai))
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Geographically, the franchise is concentrated in New York State and Pennsylvania, with branches and wealth-management centers serving multiple counties and select nearby markets. Over time, the bank has expanded beyond its original base while still remaining a highly regional institution. For investors, this footprint matters because performance is driven more by local credit trends, deposit competition, and regional economic conditions than by national banking trends alone. ([sec.gov](https://www.sec.gov/Archives/edgar/data/763563/000076356323000056/a2023glossyannualreport4.pdf?utm_source=openai))
From a competitive standpoint, CHMG occupies the classic community-bank segment: it is not a mega-cap lender, but a relationship-driven institution competing on service, client retention, and balance-sheet discipline. That positioning can be attractive when the market values stable deposits, conservative underwriting, and potential income generation. As with many U.S. regional banks, investors also watch insider activity and SEC Form 4 disclosures closely, since insider purchases or sales can provide useful context around management sentiment and alignment. In 2025, CHMG continued to attract attention from filings trackers and insider-transaction monitors, reflecting the market’s interest in governance and management signals. ([secfilingdata.com](https://www.secfilingdata.com/sec-filings-list/?cik=0000763563&view=corporate-history&utm_source=openai))
Recent company communications and the 2024 annual report highlight a continued focus on funding mix, deposit stability, capital management, and wholesale funding tools such as FHLBNY advances and subordinated debt. In 2025, the company also discussed balance-sheet actions and liquidity-related items in its interim reporting, suggesting a prudently managed regional bank navigating a U.S. rate and deposit-competition environment. For investors, this points to a business that is mature, relationship-oriented, and sensitive to net interest margin dynamics rather than rapid growth. ([sec.gov](https://www.sec.gov/Archives/edgar/data/763563/000076356325000058/chmg-20241231.htm?utm_source=openai))
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