Get started

Financials · CHMG

Chemung Financial Corp (CHMG) financials

For the twelve months ended Sep 30, 2026, Chemung Financial Corp reported $123.58M of revenue and $38.46M of net income.

Revenue, TTM
$123.58M
Revenue growth, YoY
+36.6%
Net income, TTM
$38.46M
Net income growth, YoY
+189.7%
Net margin
31.1%
Free cash flow, TTM
$44.30M
EPS, diluted, TTM
$7.97
EPS growth, YoY
+187.7%
Cash
$71.84M
Total debt
$129.10M
P/E
10.82
P/S
3.37
Market cap
$416.2M
Annual revenue$95.10M
FY2016FY2025
Annual net income$15.10M
FY2016FY2025
Annual free cash flow$43.81M
FY2016FY2025

CHMG revenue and earnings growth

CHMG revenueQ3 2026$31.98M

Quarter YoY
+11.1%
QoQ
+2.6%
FY YoY
-2.2%
5Y CAGR
+2.5%
10Y CAGR
+3.0%

CHMG revenue was $31.98M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.1% from a year earlier and up 2.6% from the prior quarter. For the full fiscal 2025 it was $95.10M, down 2.2% from fiscal 2024. Compound annual growth was +2.5% over 5 years and +3.0% over 10 years. It rose in 7 of the last 10 fiscal years.

CHMG net incomeQ3 2026$12.71M

Quarter YoY
+63.1%
QoQ
+44.2%
FY YoY
-36.2%
5Y CAGR
-4.7%
10Y CAGR
+4.8%

CHMG net income was $12.71M in fiscal Q3 2026 (ended Sep 30, 2026), up 63.1% from a year earlier and up 44.2% from the prior quarter. For the full fiscal 2025 it was $15.10M, down 36.2% from fiscal 2024. Compound annual growth was -4.7% over 5 years and +4.8% over 10 years. It rose in 5 of the last 10 fiscal years.

CHMG EPSQ3 2026$2.63

Quarter YoY
+62.3%
QoQ
+44.5%
FY YoY
-36.7%
5Y CAGR
-4.8%
10Y CAGR
+4.6%

CHMG diluted EPS was $2.63 in fiscal Q3 2026 (ended Sep 30, 2026), up 62.3% from a year earlier and up 44.5% from the prior quarter. For the full fiscal 2025 it was $3.14, down 36.7% from fiscal 2024. Compound annual growth was -4.8% over 5 years and +4.6% over 10 years.

CHMG free cash flowQ3 2026$10.75M

Quarter YoY
-9.2%
QoQ
+20.6%
FY YoY
+67.3%
5Y CAGR
+9.5%
10Y CAGR
+12.9%

CHMG free cash flow was $10.75M in fiscal Q3 2026 (ended Sep 30, 2026), down 9.2% from a year earlier and up 20.6% from the prior quarter. For the full fiscal 2025 it was $43.81M, up 67.3% from fiscal 2024. Compound annual growth was +9.5% over 5 years and +12.9% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$95.10M$97.29M$99.01M$95.61M$89.46M$84.04M$80.68M$83.55M$77.48M$73.48M
Interest expense--$38.62M$7.30M$3.42M$3.99M$6.32M$4.07M$3.07M$3.84M
Pre-tax income$19.94M$30.09M$31.50M$36.89M$33.76M$23.87M$19.04M$23.64M$14.69M$14.43M
Income tax$4.83M$6.41M$6.50M$8.11M$7.33M$4.61M$3.43M$4.01M$7.26M$4.40M
Net income$15.10M$23.67M$25.00M$28.78M$26.43M$19.26M$15.61M$19.63M$7.43M$10.03M
EPS, basic$3.14$4.96$5.28$6.13$5.64$4.01$3.21$4.06$1.55$2.11
EPS, diluted$3.14$4.96$5.28$6.13$5.64$4.01$3.21$4.06$1.55$2.11
Diluted shares4.8M4.8M4.7M4.7M4.7M4.8M4.9M4.8M4.8M4.8M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$50.10M$47.03M$36.85M$55.87M$26.98M$108.54M$121.90M$129.97M$30.73M$74.16M
Goodwill$21.82M$21.82M$21.82M$21.82M$21.82M$21.82M$21.82M$21.82M$21.82M$21.82M
Total assets$2.71B$2.78B$2.71B$2.65B$2.42B$2.28B$1.79B$1.76B$1.71B$1.66B
Total debt$131.14M---------
Total liabilities$2.46B$2.56B$2.52B$2.48B$2.21B$2.08B$1.61B$1.59B$1.56B$1.51B
Shareholders' equity$254.71M$215.31M$195.24M$166.39M$211.46M$199.70M$182.63M$165.03M$149.81M$143.75M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$45.50M$29.82M$30.88M$35.05M$35.46M$28.66M$26.41M$27.77M$23.64M$22.14M
Capital expenditures$1.69M$3.63M$462.0K$426.0K$367.0K$867.0K$883.0K$1.77M$1.48M$1.70M
Free cash flow$43.81M$26.19M$30.42M$34.62M$35.09M$27.79M$25.52M$26.00M$22.16M$20.45M
Investing cash flow$68.32M-$57.72M-$82.38M-$252.62M-$242.48M-$495.85M-$32.71M$43.92M-$106.64M-$729.0K
Financing cash flow-$110.76M$38.10M$32.48M$246.46M$125.47M$453.82M-$1.76M$27.55M$39.56M$26.57M
Dividends paid$6.33M$7.37M$5.84M$5.80M$5.32M$5.01M$5.03M$4.97M$4.92M$4.88M
Share repurchases$396.0K$344.0K$316.0K$933.0K$1.62M$7.59M$0$0--

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-2.2%-1.7%3.5%6.9%6.4%4.2%-3.4%7.8%5.4%3.4%
Net income growth, YoY-36.2%-5.3%-13.1%8.9%37.2%23.4%-20.5%164.1%-25.9%6.3%
EPS growth, YoY-36.7%-6.1%-13.9%8.7%40.6%24.9%-20.9%161.9%-26.5%5.5%
Net margin15.9%24.3%25.3%30.1%29.5%22.9%19.3%23.5%9.6%13.6%
Free cash flow margin46.1%26.9%30.7%36.2%39.2%33.1%31.6%31.1%28.6%27.8%
Return on equity5.9%11.0%12.8%17.3%12.5%9.6%8.5%11.9%5.0%7.0%
Return on assets0.6%0.9%0.9%1.1%1.1%0.8%0.9%1.1%0.4%0.6%
Debt to equity0.51---------

Source: XBRL data Chemung Financial Corp files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CHMG peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CHMG$123.58M+36.6%$38.46M31.1%$416.2M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CHMG FAQ

8 questions
  • What is CHMG revenue?
    Chemung Financial Corp (CHMG) reported $123.58M of revenue for the twelve months ended Sep 30, 2026. That is up 36.6% from the year before. Revenue for fiscal 2025 was $95.10M.
  • Is CHMG profitable?
    Yes. Chemung Financial Corp earned $38.46M in net income for the twelve months ended Sep 30, 2026, a net margin of 31.1%.
  • How much cash and debt does CHMG have?
    Chemung Financial Corp reported $71.84M in cash and cash equivalents and $129.10M of debt on its most recent balance sheet in SEC filings.
  • How fast is CHMG revenue growing?
    Chemung Financial Corp's revenue changed -2.2% in fiscal 2025, to $95.10M. Its compound annual growth rate was +2.5% over 5 years and +3.0% over 10 years.
  • What is CHMG free cash flow?
    Chemung Financial Corp generated $44.30M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $46.02M less capital expenditures.
  • What is CHMG earnings per share?
    Diluted earnings per share were $7.97 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CHMG last report financial results?
    The latest statements here come from Chemung Financial Corp's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this CHMG financial data come from?
    Quantisnow builds these statements from the structured XBRL data Chemung Financial Corp files with the SEC. It is provided for information only and is not investment advice.