Chemung Financial Corporation Financial Ratios — CHMG Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.8	10.61	8	7.23	8.08	8.25	5.88	14.45	10.51	11.97	14.8	14.36	11.31	9.91	5.99
Return on Assets (%)	0.97	0.89	0.64	0.54	0.6	0.61	0.44	1.13	0.88	0.95	1.12	1.14	0.93	0.86	0.55
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	6.42	6.31	6.55	6.85	7.36	7.13	5.94	5.04	5.55	5.14	3.96	3.2	2.86	2.1	2.84
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	25.59	25.94	19.78	15.71	20.02	19.82	19.13	28.58	23.83	28.8	38.18	38.99	32.16	31.3	21.22
Profit Margin (%)	17.32	17.43	13.76	10.8	13.4	13.77	9.68	23.73	19.54	23.24	29.89	30.42	25.52	24.63	16.08
Net Income to Common Margin (%)	17.32	17.43	13.76	10.8	13.4	13.77	9.68	23.73	19.54	23.24	29.89	30.42	25.52	24.63	16.08
Effective Tax Rate (%)	32.32	32.82	30.45	31.26	33.06	30.52	49.43	16.96	18.03	19.3	21.73	21.97	20.64	21.32	24.24
Dvd Payout Ratio (%)	38.5	51.84	41.05	58.8	51.24	48.65	66.18	25.32	32.22	25.99	20.12	20.14	23.36	31.11	41.88
Sustainable Growth Rate (%)	6.64	5.11	4.72	2.98	3.94	4.23	1.99	10.79	7.13	8.86	11.83	11.47	8.67	6.83	3.48

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	43	27	25	53	36	14	64	4	12	11	26	106	41	119	140
ST Debt	- -	- -	- -	31	14	- -	58	- -	- -	- -	15	96	32	109	87
LT Debt	43	27	25	22	22	14	7	4	12	11	11	10	9	9	52
Total Debt/EBITDA	11.11	6.82	6.07	10.27	6.95	2.66	14.07	1.03	2.75	2.61	7.29	34.95	14.56	58.79	52.33
Net Debt/EBITDA	-2.45	-3.26	-6.34	4.06	1.34	-12.53	6.35	-31.16	-27.5	-25.49	-3.54	13.2	-1.76	30.79	30.4
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.28	8.58	7.53	7.51	7.35	7.49	7.53	8.16	8.6	7.37	7.81	8.01	8.48	8.92	9.47
Long-Term Debt/Equity (%)	34.42	20.76	18.22	16.68	16.09	9.61	4.35	2.61	6.66	5.56	5.19	5.98	4.55	4.37	20.58
Long-Term Debt/Capital (%)	30.09	20.26	18.52	13.3	14.24	10.01	3.38	2.92	7.33	6.2	5.12	3.13	3.28	2.57	13.23
Long-Term Debt/Total Assets (%)	3.56	2.18	1.71	1.46	1.36	0.83	0.38	0.25	0.68	0.49	0.45	0.38	0.33	0.34	1.93
Total Debt/Equity (%)	34.42	20.76	18.22	39.75	26.21	9.61	42.86	2.61	6.66	5.56	12.08	63.56	20.9	55.05	54.78
Total Debt/Capital (%)	30.09	20.26	18.52	31.7	23.21	10.01	33.32	2.92	7.33	6.2	11.91	33.29	15.07	32.36	35.23
Total Debt/Total Assets (%)	3.56	2.18	1.71	3.48	2.22	0.83	3.76	0.25	0.68	0.49	1.06	4	1.51	4.27	5.15
Net Debt to Equity	-7.59	-9.93	-19.03	15.7	5.04	-45.27	19.34	-78.76	-66.75	-54.35	-5.87	24	-2.52	28.83	31.82
Net Debt/Capital (%)	-10.49	-13.83	-31.12	15.16	5.37	-101.96	17.88	-742.1	-276.93	-153.66	-6.62	15.26	-2.11	19.44	23.43
EBITDA	4	4	4	5	5	5	5	4	4	4	4	3	3	2	3
EBITDA-CapEx	1	- -	- -	3	4	3	3	2	4	3	3	3	2	-2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.28	8.58	7.53	7.51	7.35	7.49	7.53	8.16	8.6	7.37	7.81	8.01	8.48	8.92	9.47
Long-Term Debt/Equity (%)	34.42	20.76	18.22	16.68	16.09	9.61	4.35	2.61	6.66	5.56	5.19	5.98	4.55	4.37	20.58
Long-Term Debt/Capital (%)	30.09	20.26	18.52	13.3	14.24	10.01	3.38	2.92	7.33	6.2	5.12	3.13	3.28	2.57	13.23
Long-Term Debt/Total Assets (%)	3.56	2.18	1.71	1.46	1.36	0.83	0.38	0.25	0.68	0.49	0.45	0.38	0.33	0.34	1.93
Total Debt/Equity (%)	34.42	20.76	18.22	39.75	26.21	9.61	42.86	2.61	6.66	5.56	12.08	63.56	20.9	55.05	54.78
Total Debt/Capital (%)	30.09	20.26	18.52	31.7	23.21	10.01	33.32	2.92	7.33	6.2	11.91	33.29	15.07	32.36	35.23
Total Debt/Total Assets (%)	3.56	2.18	1.71	3.48	2.22	0.83	3.76	0.25	0.68	0.49	1.06	4	1.51	4.27	5.15
CFO/Total Liabilities	0.84	2.2	1.72	1.33	0.95	1.46	1.52	1.75	1.64	1.38	1.61	1.41	1.23	1.16	1.85
CFO/CapEx	3.59	6.7	6.19	7.13	12.24	13.05	15.95	15.69	29.9	33.06	96.62	82.27	66.84	8.22	26.97
Altman's Z-Score	0.22	0.25	0.22	0.21	0.2	0.22	0.24	0.24	0.24	0.19	0.21	0.2	0.21	0.22	0.23

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	6.98	3.14	2.76	2.43	2.77	2.83	2.97	2.71	2.35	2.46	2.07	3.3	- -	- -
Days Sales Outstanding	- -	52.29	116.4	132.47	150.14	131.59	128.79	122.86	134.65	155.15	148.12	175.91	110.77	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	99	139	159	130	130	173	231	200	207	163	218	215	236	233	268
- Cash & Cash Equivalents	53	40	52	29	26	74	31	130	122	109	27	56	37	47	50
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	43	27	25	53	36	14	64	4	12	11	26	106	41	119	140
Enterprise Value	-191	-114	-213	-127	-205	-191	-29	-168	-187	-489	-576	-367	-344	-227	103
Total Capital	144	134	136	168	155	138	193	147	166	179	214	318	271	366	396
Total Debt/Capital (%)	30.09	20.26	18.52	31.7	23.21	10.01	33.32	2.92	7.33	6.2	11.91	33.29	15.07	32.36	35.23
Total Debt / EV	-0.23	-0.24	-0.12	-0.42	-0.18	-0.07	-2.24	-0.03	-0.07	-0.02	-0.04	-0.29	-0.12	-0.52	1.35
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.1
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	38.71
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.27
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.19
Diluted Market Cap	99	139	159	130	130	173	231	200	207	163	218	215	236	233	268
Diluted Enterprise Value	90	126	133	153	140	113	264	74	97	66	216	265	240	304	357
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.48
TTM Sales	61	63	63	76	70	73	77	83	80	83	88	95	98	96	94
TTM EBITDA	4	4	4	5	5	5	5	4	4	4	4	3	3	2	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	25	23	18	14	22	24	28	26	29	35	35	31	30	45
TTM Free Cash Flow to Firm	12	28	27	21	15	24	25	30	27	30	36	35	31	33	47

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	8.49	4.91	5.97	6.16	8.5	7.26	9.19	6.76	7.58	5.52	6.07	6.07	7.52	6.96	5.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-191	-114	-213	-127	-205	-191	-29	-168	-187	-489	-576	-367	-344	-227	103
Low Price	21.77	22.65	28.41	26.81	25.26	26.05	31.72	36.87	38.56	21.75	33.33	40.74	33.72	39	40.71
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.1
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	38.71
Price/Earnings	9.44	12.59	18.24	15.88	13.76	17.26	31.07	10.17	13.26	8.46	8.23	7.48	9.43	9.84	17.75
Price/Earnings Average	9.68	10.48	17.32	16.59	13.56	13.93	26.44	11.21	14.01	7.82	7.65	7.38	8.07	9.29	15.93
Price/Earnings High	11.13	13.68	19.21	20.61	14.41	17.45	36.71	13.29	15.91	10.75	8.77	7.95	10.11	11.23	19.34
Price/Earnings Low	9.05	9.54	15.16	15.39	12.64	12.37	20.49	9.08	12.03	5.42	5.91	6.64	6.38	7.86	12.95
Price/Book Value	0.99	1.29	1.43	1.13	1.09	1.39	1.8	1.39	1.35	0.97	1.15	1.02	1.02	0.94	1.04
Price/Book Value Average	1.01	1.08	1.36	1.18	1.07	1.12	1.53	1.54	1.42	0.9	1.07	1	0.88	0.89	0.94
Price/Book Value High	1.16	1.41	1.51	1.47	1.14	1.41	2.12	1.82	1.62	1.23	1.23	1.08	1.1	1.07	1.14
Price/Book Value Low	0.95	0.98	1.19	1.1	1	1	1.18	1.24	1.22	0.62	0.83	0.9	0.69	0.75	0.76
Price/Tangible Book Value	1.02	1.33	1.44	1.21	1.16	1.45	1.83	1.41	1.29	0.92	1.15	1.49	1.36	1.2	1.15
Price/Tangible Book Value Average	1.04	1.11	1.37	1.27	1.15	1.17	1.56	1.55	1.37	0.85	1.07	1.47	1.16	1.14	1.03
Price/Tangible Book Value High	1.2	1.45	1.52	1.58	1.22	1.47	2.17	1.84	1.55	1.17	1.22	1.58	1.46	1.37	1.25
Price/Tangible Book Value Low	0.98	1.01	1.2	1.18	1.07	1.04	1.21	1.26	1.17	0.59	0.82	1.32	0.92	0.96	0.84
Price/Sales	1.64	2.19	2.51	1.72	1.84	2.38	3.01	2.41	2.59	1.97	2.46	2.28	2.41	2.42	2.85
Price/Sales Average	1.68	1.83	2.38	1.79	1.82	1.92	2.56	2.66	2.74	1.82	2.29	2.24	2.06	2.29	2.56
Price/Sales High	1.93	2.38	2.64	2.23	1.93	2.4	3.55	3.15	3.11	2.5	2.62	2.42	2.58	2.77	3.11
Price/Sales Low	1.57	1.66	2.09	1.66	1.69	1.7	1.98	2.15	2.35	1.26	1.77	2.02	1.63	1.94	2.08
Price/Cash Flow	10.85	5.65	6.93	7.02	9.19	7.82	9.76	7.19	7.84	5.69	6.13	6.14	7.63	7.81	5.89
Price/Cash Flow Average	11.12	4.7	6.58	7.34	9.06	6.31	8.31	7.92	8.28	5.26	5.7	6.06	6.53	7.38	5.29
Price/Cash Flow High	12.79	6.14	7.3	9.12	9.62	7.9	11.54	9.39	9.4	7.22	6.54	6.53	8.19	8.92	6.42
Price/Cash Flow Low	10.41	4.28	5.76	6.81	8.44	5.6	6.44	6.41	7.11	3.64	4.4	5.46	5.17	6.24	4.3
Price/Free Cash Flow Average	8.7	4.09	5.67	6.44	8.37	5.86	7.82	7.45	8.01	5.1	5.64	5.99	6.44	6.58	5.1
Price/Free Cash Flow High	10	5.34	6.29	7.99	8.9	7.34	10.86	8.83	9.1	7.01	6.47	6.45	8.07	7.95	6.19
Price/Free Cash Flow Low	8.14	3.72	4.96	5.97	7.8	5.2	6.06	6.03	6.88	3.54	4.36	5.39	5.09	5.56	4.14
EV/Sales Average	1.52	1.62	1.97	2.11	1.96	1.09	2.99	1.14	1.36	0.64	2.27	2.77	2.1	3.03	3.51
EV/Sales High	1.77	2.18	2.23	2.54	2.07	1.57	3.99	1.64	1.73	1.32	2.61	2.95	2.62	3.51	4.06
EV/Sales Low	1.41	1.46	1.67	1.98	1.83	0.87	2.42	0.63	0.98	0.08	1.75	2.55	1.67	2.68	3.03
EV/EBITDA Average	23.68	25.67	30.02	30.81	26.58	15.28	50.39	22.62	24.57	12.5	57.32	86.68	73.43	144.54	123.76
EV/EBITDA High	27.59	34.51	34.01	37.14	28.13	22.09	67.12	32.42	31.26	25.74	65.76	92.09	91.64	167.32	143.1
EV/EBITDA Low	22	23.07	25.5	28.91	24.9	12.27	40.71	12.58	17.6	1.65	44.15	79.67	58.36	127.73	106.9
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	22.7	29.89	34.17	27.66	27.5	36.35	48.1	41.31	42.5	33.95	46.45	45.87	49.8	48.81	55.8
High Price	26.75	32.5	36	35.9	28.8	36.75	56.83	53.99	51	43.11	49.5	48.75	53.43	55.73	60.8
Enterprise Value Average	92	102	125	159	138	79	230	94	109	53	201	262	206	291	330
Enterprise Value High	108	138	141	192	146	115	306	135	139	110	230	279	257	337	382
Enterprise Value Low	86	92	106	150	129	64	186	52	78	7	155	241	164	258	285

Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	4	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	4	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Revenue per Share	13.88	13.63	13.62	16.12	14.92	15.29	16	17.11	16.41	17.26	18.88	20.16	20.7	20.15	19.56
EBITDA per Share	0.89	0.86	0.89	1.1	1.1	1.09	0.95	0.86	0.91	0.89	0.75	0.64	0.59	0.42	0.55
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.4	2.37	1.87	1.74	2	2.11	1.55	4.06	3.21	4.01	5.64	6.13	5.28	4.96	3.14
Basic EPS from Cont Ops	2.4	2.37	1.87	1.74	2	2.11	1.55	4.06	3.21	4.01	5.64	6.13	5.28	4.96	3.14
Diluted EPS, GAAP	2.4	2.37	1.87	1.74	2	2.11	1.55	4.06	3.21	4.01	5.64	6.13	5.28	4.96	3.14
Diluted EPS from Cont Ops	2.4	2.37	1.87	1.74	2	2.11	1.55	4.06	3.21	4.01	5.64	6.13	5.28	4.96	3.14
Dividend per Share	0.93	1.23	0.77	1.02	1.02	1.02	1.02	1.03	1.03	1.04	1.14	1.24	1.23	1.54	1.32
Cash Flow per Share	2.09	5.29	4.93	3.94	2.99	4.65	4.93	5.75	5.42	5.97	7.57	7.47	6.53	6.25	9.47
Free Cash Flow per Basic Share	1.51	4.5	4.13	3.39	2.75	4.29	4.62	5.38	5.24	5.79	7.49	7.38	6.43	5.49	9.12
Cash & Equivalents per Share	76.15	60.32	85.33	66.13	78.61	79.29	67.46	77.03	83.38	138.1	174.89	146.7	131.2	121.27	63.36
Book Value per Share	22.97	23.08	23.84	24.44	25.22	26.07	26.77	29.63	31.58	35	40.34	45.15	48.6	51.94	53.4
Tangible Book Value per Share	22.3	22.44	23.69	22.79	23.62	24.99	26.23	29.36	32.87	36.99	40.49	30.8	36.65	40.56	48.48

Chemung Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)