CHMG
Chemung Financial Corporation
CHMG has the edge over JPM overall, supported by stronger fundamentals and stronger modeled upside.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
CHMG Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
CHMG's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like CHMG.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
CHMG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $61.52 | -28% |
| Fair | 9x | $71.85 | -16% |
| Forward | 10x | $85.69 | — |
| Current | 11x | $85.69 | — |
| Expensive | 12x | $96.93 | +13% |
Historical ranges are pointers, not guarantees.
CHMG's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over CHMG in the historical PE scenario, which offers more potential upside but is not a forecast.
CHMG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CHMG, with profitability improving.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CHMG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.38 | +5.2% |
| Q3 2026 | $7.97 | +188% |
| Q2 2026 | $6.96 | +197% |
| Q1 2026 | $3.79 | -20% |
| Q4 2025 | $3.14 | -37% |
| Q3 2025 | $2.77 | -39% |
| Q2 2025 | $2.34 | -53% |
| Q1 2025 | $4.74 | -9.2% |
| Q4 2024 | $4.96 | -6.1% |
CHMG earned $7.97 per share over the past year, up 188% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over CHMG on earnings, with more consistent year-over-year improvement.
CHMG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $32M | +11% |
| Q2 2026 | $31.2M | +209% |
| Q1 2026 | $29.9M | +16% |
| Q4 2025 | $30.5M | +18% |
| Q3 2025 | $28.8M | +18% |
| Q2 2025 | $10.1M | -57% |
| Q1 2025 | $25.7M | +8.3% |
| Q4 2024 | $25.9M | +8.9% |
CHMG has the edge over JPM on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +17 points |
| Q2 2026 | 36% | +123 points |
| Q1 2026 | 40% | +9.7 points |
| Q4 2025 | 36% | +7 points |
| Q3 2025 | 35% | +5.2 points |
| Q2 2025 | -87% | -114 points |
| Q1 2025 | 30% | -8.4 points |
| Q4 2024 | 29% | +9.5 points |
CHMG has the edge over JPM on profitability, with a higher operating margin.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with the same quarter a year ago.
CHMG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.7M | -9.2% |
| Q2 2026 | $8.9M | -5.1% |
| Q1 2026 | $8.9M | +30% |
| Q4 2025 | $15.7M | +265% |
| Q3 2025 | $11.8M | +38% |
| Q2 2025 | $9.4M | +72% |
| Q1 2025 | $6.9M | -13% |
| Q4 2024 | $4.3M | +19% |
CHMG has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
CHMG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +1.3K shares |
| 1 year | +0.6% | +28.3K shares |
| 3 years | +2.2% | +103K shares |
| 5 years | +3.3% | +155K shares |
| Available history | -0.6% | -30K shares |
CHMG has 5M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $58,000 |
| Q2 2026 | $11,000 |
| Q1 2026 | $173,000 |
| Q4 2025 | $295,000 |
| Q3 2025 | $11,000 |
| Q2 2025 | $5,000 |
| Q1 2025 | $85,000 |
| Q4 2024 | $252,000 |
CHMG spent $537,000 buying back its own shares over the past year, up 52% from the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over CHMG on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
CHMG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -14.3x | Net Cash |
| Q1 2025 | -1.8x | Net Cash |
| Q4 2024 | -1.5x | Net Cash |
CHMG has the edge over JPM on leverage, with a lower net debt burden relative to earnings.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
CHMG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.6 | Neutral |
| Stochastic | 70.2 | Neutral |
CHMG's weekly RSI is 68 (neutral) and its Stochastic is 70 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
CHMG PE vs Financial Services Sector
| Metric | CHMG | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 74 | 63 | 11 pts above |
CHMG has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
CHMG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $83.2 | 3% above |
| 20 week MA | $81.8 | 4.8% above |
| 50 week MA | $69.3 | 24% above |
| 100 week MA | $59.3 | 45% above |
| 200 week MA | $51.9 | 65% above |
CHMG has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
CHMG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.5 | $33.7 | -21% |
| 2021 | $33.7 | $46.5 | +38% |
| 2022 | $46.5 | $44.9 | -3.4% |
| 2023 | $44.9 | $49.8 | +11% |
| 2024 | $49.8 | $49.4 | -0.8% |
| 2025 | $49.4 | $55.3 | +12% |
| 2026 YTD | $55.3 | $85.7 | +55% |
CHMG has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.