B+
Bull case
25%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
CHMG
Chemung FinancialCNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
55%
Probability
Target price
$73.00
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$62.00
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-21
Recent news sentiment (30D)
+26.0
Positive
Company
-
Unavailable
Macro
+26.0
Positive
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+49.8
Score
AI commentary
News coverage is sparse and primarily filing-monitoring. Social, insider, options, and employee-sentiment data are unavailable. No verified Q2 earnings reaction or analyst revision signal was found; the deterministic prior remains negative at -2.96% over 5 days, -8.44% over 20 days, and -13.51% over 60 days. The strong Q1 primary-source evidence is therefore balanced by limited forward visibility.
RankAlpha Sentiment Codex - 2026-07-21
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-09-30catalystRecord Q1 execution could support valuation if durableHigh impact
The latest confirmed SEC-filed earnings exhibit reported record Q1 2026 net income of $9.2 million and EPS of $1.91, a 58.27% adjusted efficiency ratio, 7.5% annualized loan growth, and nearly 15% period-end growth in Western New York. Management attributed performance to market expansion and 2025 balance-sheet repositioning [#SEC-8K-2026-04-17].
2026-10-19eventQ2 earnings follow-up remains unconfirmedMedium impact
The packet schedules a T+3 follow-up for the July 16, 2026 earnings date, but no Q2 release, 8-K, transcript, analyst revision, or reliable post-print price-reaction evidence was located in bounded retrieval. Treat confirmation of EPS, NIM, credit metrics, funding, and guidance as monitoring items rather than a directional thesis.
2026-10-19catalystFunding and margin pressure remain the key downside checkMedium impact
Q1 net interest income declined 0.8% sequentially; total-loan yield fell 10 basis points, average deposits declined $21.3 million, and average borrowings increased $50.7 million. These trends require confirmation in the next reported quarter and could pressure earnings if sustained [#SEC-8K-2026-04-17].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology