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Chemung Financial (CHMG) Financials

Chemung Financial logo
$74.73 +0.23 (+0.31%)
Closing price 07/6/2026 04:00 PM Eastern
Extended Trading
$74.78 +0.05 (+0.07%)
As of 07/6/2026 05:44 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Chemung Financial

Annual Income Statements for Chemung Financial

This table shows Chemung Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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
Net Income / (Loss) Attributable to Common Shareholders		 9.43 10 13 20 16 19 26 29 25 24 15
Consolidated Net Income / (Loss)		 9.43 10 7.43 20 16 19 26 29 25 24 15
Net Income / (Loss) Continuing Operations		 9.43 10 13 20 16 19 26 29 25 24 15
Total Pre-Tax Income 		14 14 15 24 19 24 34 37 32 30 20
Total Revenue		 71 73 83 84 81 84 89 96 99 97 95
Net Interest Income / (Expense)		 51 52 57 60 61 63 66 74 74 74 87
Total Interest Income		 54 56 60 65 67 67 69 81 113 128 133
Loans and Leases Interest Income		 48 50 53 58 58 59 59 68 97 112 120
Investment Securities Interest Income		 5.90 6.18 6.65 5.96 6.42 7.06 10.00 13 15 14 9.50
Deposits and Money Market Investments Interest Income		 0.08 0.31 0.56 0.76 2.27 0.75 0.15 0.26 0.53 1.40 2.96
Total Interest Expense		 3.60 3.84 3.07 4.07 6.32 3.99 3.42 7.30 39 54 46
Deposits Interest Expense		 2.00 2.17 2.17 3.32 6.17 3.83 3.28 6.66 36 50 42
Long-Term Debt Interest Expense		 0.75 0.82 0.42 0.61 0.15 0.16 0.14 0.64 2.69 3.45 3.89
Total Non-Interest Income		 20 21 20 23 20 21 24 21 25 23 7.95
Service Charges on Deposit Accounts		 - - 23 18 18 17 19 19 19 20 21
Other Service Charges		 11 2.27 2.41 2.48 1.69 2.53 3.39 2.90 5.28 2.78 4.26
Net Realized & Unrealized Capital Gains on Investments		 0.75 1.38 0.49 2.45 0.25 1.74 1.30 -0.18 0.25 0.38 -17
Other Non-Interest Income		 0.08 18 0.07 0.07 0.06 0.16 0.05 0.05 0.04 0.04 0.03
Provision for Credit Losses		 1.57 2.44 9.02 3.15 5.95 4.24 0.02 -0.55 3.26 -0.05 4.44
Total Non-Interest Expense		 55 57 54 57 56 56 56 59 64 67 71
Salaries and Employee Benefits		 27 26 27 28 29 30 30 33 34 37 39
Net Occupancy & Equipment Expense		 17 16 16 16 16 16 16 16 17 18 18
Marketing Expense		 0.90 0.88 0.79 1.18 0.93 0.63 0.79 0.94 0.92 1.18 1.25
Property & Liability Insurance Claims		 1.08 2.39 2.09 2.13 0.54 0.99 1.41 1.36 2.13 2.12 1.52
Other Operating Expenses		 8.62 10 7.41 8.78 8.44 8.49 6.68 7.88 9.79 9.82 11
Income Tax Expense		 4.66 4.40 7.26 4.01 3.43 4.61 7.34 8.11 6.50 6.41 4.83
Basic Earnings per Share		 $2.00 $2.11 $1.55 $4.06 $3.21 $4.01 $5.64 $6.13 $5.28 $4.96 $3.14
Weighted Average Basic Shares Outstanding		 4.72M 4.76M 4.80M 4.83M 4.87M 4.80M 4.68M 4.69M 4.73M 4.77M 4.80M
Diluted Earnings per Share		 $2.00 $2.11 $1.55 $4.06 $3.21 $4.01 $5.64 $6.13 $5.28 $4.96 $3.14
Weighted Average Diluted Shares Outstanding		 4.72M 4.76M 4.80M 4.83M 4.87M 4.80M 4.68M 4.69M 4.73M 4.77M 4.80M
Weighted Average Basic & Diluted Shares Outstanding		 4.72M 4.76M 4.80M 4.83M 4.87M 4.80M 4.67M 4.71M 4.75M 4.79M 4.82M
Cash Dividends to Common per Share		 $1.04 $1.04 $1.04 $1.04 $1.04 $1.04 $1.19 $1.24 $1.24 $1.24 $1.32

Quarterly Income Statements for Chemung Financial

This table shows Chemung Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20
Consolidated Net Income / (Loss)		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20
Net Income / (Loss) Continuing Operations		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20
Total Pre-Tax Income 		9.71 4.64 9.09 6.26 7.23 7.50 7.69 -8.81 10 11 12
Total Revenue		 26 24 24 23 24 26 26 10 29 31 30
Net Interest Income / (Expense)		 18 18 18 18 18 20 20 21 23 24 24
Total Interest Income		 29 30 31 31 32 33 32 33 34 34 34
Loans and Leases Interest Income		 25 26 27 28 29 29 28 29 31 32 32
Investment Securities Interest Income		 3.80 3.79 3.82 3.51 3.31 3.41 3.27 2.74 1.73 1.75 1.76
Deposits and Money Market Investments Interest Income		 0.19 0.13 0.21 0.37 0.44 0.38 0.33 0.86 1.12 0.67 0.30
Total Interest Expense		 11 12 13 14 14 13 12 12 11 10 10
Deposits Interest Expense		 11 11 12 13 13 12 11 11 10 9.39 8.54
Long-Term Debt Interest Expense		 0.28 0.79 0.99 0.91 0.97 0.59 0.73 1.15 1.03 0.99 1.46
Total Non-Interest Income		 7.81 5.87 5.66 5.60 5.92 6.06 5.89 -11 6.09 6.67 6.32
Service Charges on Deposit Accounts		 4.69 4.88 4.72 4.97 5.13 5.23 5.02 5.22 5.13 5.30 5.21
Other Service Charges		 3.11 0.74 0.80 0.57 0.59 0.81 0.88 1.41 0.73 1.25 1.15
Net Realized & Unrealized Capital Gains on Investments		 -0.00 0.24 0.13 0.05 0.19 0.00 -0.02 -17 0.21 0.12 -0.05
Other Non-Interest Income		 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Provision for Credit Losses		 0.45 2.30 -2.04 0.88 0.56 0.55 1.09 1.15 1.06 1.14 0.60
Total Non-Interest Expense		 16 17 17 16 17 18 17 18 18 18 17
Salaries and Employee Benefits		 8.52 8.70 9.10 8.90 8.80 9.75 9.13 9.69 10 10 9.72
Net Occupancy & Equipment Expense		 4.17 4.40 4.46 4.14 4.39 4.59 4.44 4.45 4.30 4.37 4.47
Marketing Expense		 0.22 0.20 0.35 0.39 0.21 0.24 0.34 0.35 0.20 0.36 0.24
Property & Liability Insurance Claims		 0.53 0.52 0.58 0.52 0.52 0.50 0.44 0.43 0.35 0.29 0.32
Other Operating Expenses		 2.23 3.00 2.21 2.28 2.59 2.75 2.58 2.84 2.56 2.96 2.71
Income Tax Expense		 2.06 0.84 2.04 1.27 1.51 1.59 1.66 -2.36 2.28 3.25 2.64
Basic Earnings per Share		 $1.61 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91
Weighted Average Basic Shares Outstanding		 4.74M 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M
Diluted Earnings per Share		 $1.61 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91
Weighted Average Diluted Shares Outstanding		 4.74M 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M
Weighted Average Basic & Diluted Shares Outstanding		 4.72M 4.75M 4.75M 4.76M 4.76M 4.79M 4.79M 4.79M 4.79M 4.82M 4.82M
Cash Dividends to Common per Share		 $0.31 - $0.31 $0.31 $0.31 - $0.32 $0.32 $0.34 - $0.34

Annual Cash Flow Statements for Chemung Financial

This table details how cash moves in and out of Chemung Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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
Net Change in Cash & Equivalents		 -2.98 48 -43 99 -8.07 -13 -82 29 -19 10 3.06
Net Cash From Operating Activities		 14 22 24 28 26 29 35 35 31 30 45
Net Cash From Continuing Operating Activities		 14 22 24 28 26 29 35 35 31 30 45
Net Income / (Loss) Continuing Operations		 9.43 10 7.43 20 16 19 26 29 25 24 15
Consolidated Net Income / (Loss)		 9.43 10 7.43 20 16 19 26 29 25 24 15
Provision For Loan Losses		 1.96 2.44 9.02 3.15 5.95 4.24 0.02 -0.55 3.43 -0.05 4.44
Depreciation Expense		 4.04 4.21 3.70 3.44 3.11 2.92 2.50 2.23 2.00 1.81 1.90
Amortization Expense		 3.04 2.77 2.35 2.04 2.38 3.18 6.38 4.56 3.26 2.46 2.27
Non-Cash Adjustments to Reconcile Net Income		 0.16 -2.52 4.38 2.74 -2.09 0.71 -0.74 1.92 -2.35 1.96 14
Changes in Operating Assets and Liabilities, net		 -4.52 5.23 -3.15 -3.22 1.46 -1.66 0.88 -1.89 -0.45 -0.05 7.41
Net Cash From Investing Activities		 -115 -0.73 -107 44 -33 -496 -242 -253 -82 -58 68
Net Cash From Continuing Investing Activities		 -115 -0.73 -107 44 -33 -496 -242 -253 -82 -58 68
Purchase of Property, Leasehold Improvements and Equipment		 -1.15 -1.70 -1.48 -1.77 -0.88 -0.87 -0.37 -0.43 -0.46 -3.63 -1.69
Purchase of Investment Securities		 -250 -139 -166 -46 -119 -571 -389 -373 -247 -137 -223
Sale and/or Maturity of Investments		 136 140 61 92 87 76 147 121 165 83 293
Net Cash From Financing Activities		 98 27 40 28 -1.76 454 125 246 32 38 -111
Net Cash From Continuing Financing Activities		 98 27 40 28 -1.76 454 125 246 32 38 -111
Net Change in Deposits		 120 56 11 102 2.90 466 118 172 102 -33 -126
Issuance of Debt		 - - 58 - - - - - - 0.00 45
Issuance of Common Equity		 0.44 0.44 0.58 0.64 0.59 1.02 0.43 0.42 0.60 0.43 0.54
Repayment of Debt		 -17 -24 -7.30 -60 -0.22 -0.24 14 81 -64 77 -23
Repurchase of Common Equity		 - - - 0.00 0.00 -7.59 -1.62 -0.93 -0.32 -0.34 -0.40
Payment of Dividends		 -4.83 -4.88 -4.92 -4.97 -5.03 -5.01 -5.32 -5.80 -5.84 -7.37 -6.33
Other Financing Activities, Net		 -1.20 -0.85 -18 -10 0.00 - - - -0.28 0.73 -0.34
Cash Interest Paid		 3.63 3.84 3.13 3.99 6.25 4.03 3.47 6.64 37 53 47
Cash Income Taxes Paid		 7.05 4.36 4.05 1.73 4.46 6.01 5.68 5.63 7.86 6.08 6.35

Quarterly Cash Flow Statements for Chemung Financial

This table details how cash moves in and out of Chemung Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 21 -39 58 -25 10 -33 6.40 267 -212 -58 3.27
Net Cash From Operating Activities		 9.40 3.62 7.93 6.49 9.16 6.24 7.18 9.75 12 16 9.04
Net Cash From Continuing Operating Activities		 9.40 3.62 7.93 6.49 9.16 6.24 7.18 9.75 12 16 9.04
Net Income / (Loss) Continuing Operations		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20
Consolidated Net Income / (Loss)		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20
Provision For Loan Losses		 0.45 2.46 -2.04 0.88 0.56 0.55 1.09 1.15 1.06 1.14 0.60
Depreciation Expense		 0.47 0.47 0.47 0.47 0.42 0.46 0.47 0.47 0.46 0.49 0.48
Amortization Expense		 0.81 0.78 0.14 0.80 0.87 0.66 0.70 0.70 0.40 0.46 0.40
Non-Cash Adjustments to Reconcile Net Income		 0.90 -2.53 0.47 -0.18 0.39 1.28 -0.11 15 -0.97 0.44 -0.48
Changes in Operating Assets and Liabilities, net		 -0.88 -1.37 1.85 -0.47 1.19 -2.62 -0.99 -1.16 3.49 6.06 -1.16
Net Cash From Investing Activities		 -19 -29 -18 4.23 -1.21 -43 -12 209 -58 -71 -36
Net Cash From Continuing Investing Activities		 -19 -29 -18 4.23 -1.21 -43 -12 209 -58 -71 -36
Purchase of Property, Leasehold Improvements and Equipment		 -0.01 -0.00 -0.08 -1.02 -0.61 -1.92 -0.33 -0.36 -0.40 -0.60 -0.13
Purchase of Investment Securities		 -50 -99 -42 -16 -16 -63 -34 -38 -71 -79 -49
Sale and/or Maturity of Investments		 31 71 24 21 16 22 23 247 14 8.43 13
Net Cash From Financing Activities		 31 -14 68 -35 2.27 3.24 11 48 -167 -2.67 30
Net Cash From Continuing Financing Activities		 31 -14 68 -35 2.27 3.24 11 48 -167 -2.67 30
Net Change in Deposits		 83 -44 51 -65 35 -54 37 36 -110 -88 43
Issuance of Common Equity		 0.09 0.09 0.15 0.10 0.11 0.08 0.15 0.08 0.23 0.07 0.16
Repayment of Debt		 -96 32 -32 80 -30 76 -24 -31 -55 87 -11
Repurchase of Common Equity		 - -0.22 -0.08 - -0.01 -0.25 -0.09 -0.01 -0.01 -0.30 -0.17
Payment of Dividends		 -1.46 -1.46 -1.47 -1.47 -2.95 -1.48 -1.53 -1.53 -1.63 -1.63 -1.64
Other Financing Activities, Net		 - -0.07 -0.07 0.86 -0.08 - -0.08 -0.09 -0.09 -0.09 -0.09
Cash Interest Paid		 9.74 13 11 13 13 16 12 12 13 11 9.41
Cash Income Taxes Paid		 1.98 1.83 0.46 2.83 1.38 1.43 0.44 3.28 0.10 2.53 0.12

Annual Balance Sheets for Chemung Financial

This table presents Chemung Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 Assets		 1,620 1,657 1,708 1,755 1,788 2,279 2,418 2,646 2,711 2,776 2,710
Cash and Due from Banks		 25 28 28 33 25 29 44 29 22 26 23
Interest Bearing Deposits at Other Banks		 1.30 46 2.76 97 97 79 9.62 27 15 21 27
Trading Account Securities		 351 309 297 248 291 557 808 662 609 556 299
Loans and Leases, Net of Allowance		 1,154 1,186 1,291 1,293 1,286 1,516 -21 1,810 1,950 2,050 2,245
Loans and Leases		 1,169 1,200 1,312 1,312 1,309 1,536 - 1,829 1,973 2,071 2,270
Allowance for Loan and Lease Losses		 14 14 21 19 23 21 21 20 23 21 24
Loans Held for Sale		 - - - - - 0.17 0.40 - 0.00 0.00 2.10
Premises and Equipment, Net		 29 29 27 25 22 20 18 16 15 16 15
Goodwill		 22 22 22 22 22 22 22 22 22 22 22
Other Assets		 33 34 38 37 45 56 1,528 80 78 85 77
Total Liabilities & Shareholders' Equity		 1,620 1,657 1,708 1,755 1,788 2,279 2,418 2,646 2,711 2,776 2,710
Total Liabilities		 1,483 1,513 1,558 1,590 1,605 2,080 2,163 2,479 2,515 2,561 2,456
Non-Interest Bearing Deposits		 402 418 468 484 468 620 740 733 653 626 625
Interest Bearing Deposits		 998 1,039 1,000 1,085 1,104 1,417 1,416 1,594 1,776 1,771 1,646
Long-Term Debt		 19 9.09 2.00 - - 0.00 - 96 32 109 131
Capital Lease Obligations		 2.87 4.72 4.52 4.30 4.09 3.85 - 3.33 3.05 3.78 3.44
Other Long-Term Liabilities		 17 14 15 16 29 37 7.38 51 49 51 50
Total Equity & Noncontrolling Interests		 137 144 150 165 183 200 211 166 195 215 255
Total Preferred & Common Equity		 137 144 150 165 183 200 211 166 195 215 255
Total Common Equity		 137 144 150 165 183 200 211 166 195 215 255
Common Stock		 46 46 46 46 46 47 47 47 48 49 50
Retained Earnings		 119 124 128 143 154 168 189 212 230 248 256
Treasury Stock		 -16 -15 -14 -13 -12 -18 -18 -18 -17 -16 -15
Accumulated Other Comprehensive Income / (Loss)		 -11 -11 -10 -11 -5.80 2.40 -6.53 -75 -66 -65 -36

Quarterly Balance Sheets for Chemung Financial

This table presents Chemung Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,708 2,785 2,756 2,774 2,797 2,852 2,697 2,749
Cash and Due from Banks		 53 23 23 36 32 36 32 28
Interest Bearing Deposits at Other Banks		 23 72 47 44 21 284 75 26
Trading Account Securities		 604 593 577 575 550 307 299 293
Loans and Leases, Net of Allowance		 1,910 1,983 1,990 2,008 2,075 2,110 2,179 2,287
Loans and Leases		 1,931 2,004 2,011 2,029 2,098 2,132 2,202 2,312
Allowance for Loan and Lease Losses		 20 20 21 21 23 23 24 25
Loans Held for Sale		 - 0.10 0.38 - 0.28 2.21 3.08 2.71
Premises and Equipment, Net		 15 14 15 15 16 15 15 15
Goodwill		 22 22 22 22 22 22 22 22
Other Assets		 81 78 81 75 80 76 71 76
Total Liabilities & Shareholders' Equity		 2,708 2,785 2,756 2,774 2,797 2,852 2,697 2,749
Total Liabilities		 2,538 2,588 2,555 2,554 2,568 2,618 2,451 2,486
Non-Interest Bearing Deposits		 683 656 619 616 620 624 633 641
Interest Bearing Deposits		 1,790 1,824 1,797 1,835 1,814 1,845 1,725 1,673
Long-Term Debt		 0.00 50 80 50 85 99 44 120
Capital Lease Obligations		 3.12 2.98 3.84 3.76 3.70 3.62 3.53 3.36
Other Long-Term Liabilities		 60 54 53 49 46 46 45 49
Total Equity & Noncontrolling Interests		 170 197 201 221 228 235 245 263
Total Preferred & Common Equity		 170 197 201 221 228 235 245 263
Total Common Equity		 170 197 201 221 228 235 245 263
Common Stock		 48 48 48 49 48 49 49 49
Retained Earnings		 228 236 239 243 252 244 250 264
Treasury Stock		 -17 -16 -16 -16 -15 -15 -15 -15
Accumulated Other Comprehensive Income / (Loss)		 -89 -70 -70 -55 -57 -43 -39 -36

Annual Metrics And Ratios for Chemung Financial

This table displays calculated financial ratios and metrics derived from Chemung Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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
DEI Shares Outstanding		 4,661,226.00 4,703,034.00 4,740,401.00 4,806,864.00 4,846,630.00 4,656,862.00 4,664,078.00 4,678,083.00 4,722,636.00 - 4,794,349.00
DEI Adjusted Shares Outstanding		 4,661,226.00 4,703,034.00 4,740,401.00 4,806,864.00 4,846,630.00 4,656,862.00 4,664,078.00 4,678,083.00 4,722,636.00 - 4,794,349.00
DEI Earnings Per Adjusted Shares Outstanding		 2.02 2.13 1.57 4.08 3.22 4.14 5.67 6.15 5.29 - 3.15
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.86% 3.36% 13.07% 0.56% -3.43% 4.16% 6.44% 6.88% 3.55% -1.73% -2.25%
EBITDA Growth		 8.95% 1.10% 23.09% 10.48% -15.73% 22.17% 42.27% 2.44% -15.83% -6.53% -29.87%
EBIT Growth		 18.75% 2.41% 40.66% 16.43% -19.43% 25.34% 41.44% 9.27% -14.61% -4.50% -33.73%
NOPAT Growth		 15.64% 6.30% -25.90% 164.15% -20.47% 23.40% 37.19% 8.92% -13.14% -5.32% -36.19%
Net Income Growth		 15.64% 6.30% -25.90% 164.15% -20.47% 23.40% 37.19% 8.92% -13.14% -5.32% -36.19%
EPS Growth		 14.94% 5.50% -26.54% 161.94% -20.94% 24.92% 40.65% 8.69% -13.87% -6.06% -36.69%
Operating Cash Flow Growth		 -23.42% 56.77% 6.79% 17.45% -4.92% 8.54% 23.73% -1.17% -11.89% -3.45% 52.60%
Free Cash Flow Firm Growth		 306.18% 9.81% -218.48% 336.46% -102.38% 237.06% -1,158.99% 173.65% 218.75% -223.22% 38.12%
Invested Capital Growth		 -6.80% -8.18% 20.99% -24.42% 10.26% 9.02% 25.60% 3.86% -13.30% 42.56% 18.61%
Revenue Q/Q Growth		 -8.32% 0.28% 23.97% -10.08% -6.67% 4.02% 0.34% 3.92% -2.48% 2.21% 5.13%
EBITDA Q/Q Growth		 -16.32% 4.60% 71.30% -19.98% -14.53% 11.85% 4.64% 1.08% -11.92% 8.62% 16.00%
EBIT Q/Q Growth		 -21.49% 8.19% 119.85% -23.28% -17.76% 11.77% 5.32% 3.61% -13.40% 10.51% 21.22%
NOPAT Q/Q Growth		 -19.96% 8.97% -53.89% 140.34% -8.91% 5.64% 4.84% 3.54% -12.70% 9.80% 13.76%
Net Income Q/Q Growth		 -19.96% 8.97% -53.89% 140.34% -8.91% 5.64% 4.84% 3.54% -12.70% 9.80% 13.76%
EPS Q/Q Growth		 -20.32% 8.76% -40.84% 67.77% -9.07% 0.00% 0.00% 3.37% -12.87% 9.73% 13.36%
Operating Cash Flow Q/Q Growth		 -12.35% -7.15% 24.81% 2.23% -10.42% 16.58% 0.60% -15.69% 4.25% 9.61% 28.52%
Free Cash Flow Firm Q/Q Growth		 32.45% 1,453.22% -185.02% 195.37% 56.32% 374.75% -227.03% -74.54% 300.09% 6.72% -792.64%
Invested Capital Q/Q Growth		 5.47% -6.81% 25.96% 5.27% 2.56% 1.19% 24.03% 66.35% 32.93% 19.60% 32.94%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.79% 29.13% 31.71% 34.84% 30.40% 35.66% 47.66% 45.68% 37.13% 35.32% 25.34%
EBIT Margin		 19.82% 19.64% 24.43% 28.29% 23.60% 28.40% 37.74% 38.58% 31.82% 30.92% 20.96%
Profit (Net Income) Margin		 13.27% 13.65% 8.94% 23.49% 19.35% 22.92% 29.54% 30.10% 25.25% 24.33% 15.88%
Tax Burden Percent		 66.94% 69.48% 50.57% 83.04% 81.97% 80.70% 78.27% 78.03% 79.36% 78.68% 75.76%
Interest Burden Percent		 100.00% 100.00% 72.38% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.06% 30.52% 49.43% 16.96% 18.03% 19.30% 21.73% 21.97% 20.64% 21.32% 24.24%
Return on Invested Capital (ROIC)		 4.51% 5.18% 3.63% 9.98% 8.77% 9.87% 11.51% 11.05% 10.09% 8.48% 4.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.51% 5.18% 3.63% 9.98% 8.77% 9.87% 11.51% 11.05% 10.09% 8.48% 4.21%
Return on Net Nonoperating Assets (RNNOA)		 2.45% 1.95% 1.43% 2.49% 0.21% 0.20% 1.35% 4.19% 3.74% 3.05% 2.22%
Return on Equity (ROE)		 6.97% 7.14% 5.06% 12.47% 8.98% 10.08% 12.85% 15.24% 13.83% 11.53% 6.43%
Cash Return on Invested Capital (CROIC)		 11.56% 13.72% -15.36% 37.79% -0.99% 1.24% -11.19% 7.26% 24.33% -26.62% -12.82%
Operating Return on Assets (OROA)		 0.90% 0.88% 1.21% 1.37% 1.07% 1.17% 1.44% 1.46% 1.18% 1.10% 0.73%
Return on Assets (ROA)		 0.60% 0.61% 0.44% 1.13% 0.88% 0.95% 1.13% 1.14% 0.93% 0.86% 0.55%
Return on Common Equity (ROCE)		 6.97% 7.14% 5.06% 12.47% 8.98% 10.08% 12.85% 15.24% 13.83% 11.53% 6.43%
Return on Equity Simple (ROE_SIMPLE)		 6.87% 6.98% 4.96% 11.89% 8.55% 9.65% 12.50% 17.30% 12.80% 10.99% 5.93%
Net Operating Profit after Tax (NOPAT)		 9.43 10 7.43 20 16 19 26 29 25 24 15
NOPAT Margin		 13.27% 13.65% 8.94% 23.49% 19.35% 22.92% 29.54% 30.10% 25.25% 24.33% 15.88%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 62.74% 58.63% 52.25% 54.01% 57.14% 54.70% 52.93% 52.32% 52.85% 56.85% 61.27%
Operating Expenses to Revenue		 77.97% 77.04% 64.71% 67.94% 69.03% 66.56% 62.24% 62.00% 64.89% 69.12% 74.37%
Earnings before Interest and Taxes (EBIT)		 14 14 20 24 19 24 34 37 32 30 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 21 21 26 29 25 30 43 44 37 34 24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 0.97 1.27 1.03 0.99 0.72 0.95 1.24 1.17 1.08 1.04
Price to Tangible Book Value (P/TBV)		 0.90 1.17 1.51 1.19 1.12 0.81 1.06 1.42 1.32 1.20 1.14
Price to Revenue (P/Rev)		 1.42 1.89 2.29 2.03 2.23 1.70 2.25 2.15 2.31 2.39 2.79
Price to Earnings (P/E)		 10.67 13.87 14.58 8.64 11.53 7.44 7.63 7.14 9.15 9.81 17.60
Dividend Yield		 4.81% 3.52% 2.59% 2.95% 2.80% 3.38% 2.75% 2.82% 2.56% 2.54% 2.38%
Earnings Yield		 9.37% 7.21% 6.86% 11.58% 8.68% 13.44% 13.10% 14.01% 10.92% 10.19% 5.68%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.57 1.04 0.26 0.33 0.19 0.58 0.94 0.99 0.91 0.90
Enterprise Value to Revenue (EV/Rev)		 1.95 1.45 2.81 0.52 0.77 0.46 1.65 2.60 2.29 3.06 3.68
Enterprise Value to EBITDA (EV/EBITDA)		 6.56 4.97 8.87 1.51 2.53 1.29 3.47 5.70 6.17 8.68 14.54
Enterprise Value to EBIT (EV/EBIT)		 9.86 7.37 11.51 1.85 3.26 1.62 4.38 6.74 7.21 9.91 17.57
Enterprise Value to NOPAT (EV/NOPAT)		 14.73 10.60 31.44 2.23 3.98 2.00 5.59 8.64 9.08 12.59 23.19
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.84 4.80 9.88 1.58 2.35 1.35 4.17 7.10 7.35 10.00 7.70
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.75 4.01 0.00 0.59 0.00 15.91 0.00 13.15 3.76 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.47 0.29 0.50 0.03 0.02 0.02 0.00 0.60 0.18 0.52 0.53
Long-Term Debt to Equity		 0.16 0.10 0.04 0.03 0.02 0.02 0.00 0.60 0.18 0.52 0.53
Financial Leverage		 0.54 0.38 0.39 0.25 0.02 0.02 0.12 0.38 0.37 0.36 0.53
Leverage Ratio		 11.61 11.66 11.46 11.00 10.19 10.64 11.43 13.40 14.81 13.36 11.67
Compound Leverage Factor		 11.61 11.66 8.30 11.00 10.19 10.64 11.43 13.40 14.81 13.36 11.67
Debt to Total Capital		 31.95% 22.37% 33.13% 2.54% 2.19% 1.89% 0.00% 37.34% 15.19% 34.40% 34.57%
Short-Term Debt to Total Capital		 21.00% 14.91% 30.22% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 10.95% 7.46% 2.91% 2.54% 2.19% 1.89% 0.00% 37.34% 15.19% 34.40% 34.57%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 68.05% 77.63% 66.87% 97.46% 97.81% 98.11% 100.00% 62.66% 84.81% 65.60% 65.43%
Debt to EBITDA		 3.04 1.93 2.82 0.15 0.17 0.13 0.00 2.27 0.95 3.29 5.59
Net Debt to EBITDA		 1.81 -1.53 1.65 -4.32 -4.80 -3.49 0.00 0.99 -0.05 1.92 3.51
Long-Term Debt to EBITDA		 1.04 0.65 0.25 0.15 0.17 0.13 0.00 2.27 0.95 3.29 5.59
Debt to NOPAT		 6.83 4.13 9.99 0.22 0.26 0.20 0.00 3.44 1.40 4.77 8.91
Net Debt to NOPAT		 4.05 -3.27 5.85 -6.40 -7.55 -5.44 0.00 1.50 -0.08 2.78 5.59
Long-Term Debt to NOPAT		 2.34 1.38 0.88 0.22 0.26 0.20 0.00 3.44 1.40 4.77 8.91
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 24 27 -31 74 -1.77 2.43 -26 19 60 -74 -46
Operating Cash Flow to CapEx		 1,223.83% 1,305.48% 1,595.48% 1,569.04% 2,990.37% 3,305.54% 9,662.40% 8,227.00% 6,684.20% 822.26% 2,697.04%
Free Cash Flow to Firm to Interest Expense		 6.71 6.91 -10.24 18.25 -0.28 0.61 -7.51 2.59 1.56 -1.39 -1.01
Operating Cash Flow to Interest Expense		 3.92 5.77 7.71 6.82 4.18 7.19 10.37 4.80 0.80 0.56 1.00
Operating Cash Flow Less CapEx to Interest Expense		 3.60 5.33 7.22 6.38 4.04 6.97 10.26 4.75 0.79 0.49 0.96
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.03
Fixed Asset Turnover		 2.30 2.52 2.99 3.24 3.40 3.95 4.70 5.61 6.45 6.29 5.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 202 185 224 169 187 204 256 266 230 328 389
Invested Capital Turnover		 0.34 0.38 0.41 0.42 0.45 0.43 0.39 0.37 0.40 0.35 0.27
Increase / (Decrease) in Invested Capital		 -15 -17 39 -55 17 17 52 9.86 -35 98 61
Enterprise Value (EV)		 139 106 234 44 62 39 148 249 227 298 350
Market Capitalization		 101 139 190 169 180 143 202 205 229 232 266
Book Value per Share		 $29.44 $30.57 $31.60 $34.33 $37.68 $42.88 $45.34 $35.57 $41.34 $45.25 $53.13
Tangible Book Value per Share		 $23.92 $25.30 $26.56 $29.51 $33.03 $38.14 $40.65 $30.90 $36.72 $40.66 $48.57
Total Capital		 202 185 224 169 187 204 211 266 230 328 389
Total Debt		 64 41 74 4.30 4.09 3.85 0.00 99 35 113 135
Total Long-Term Debt		 22 14 6.52 4.30 4.09 3.85 0.00 99 35 113 135
Net Debt		 38 -33 43 -126 -118 -105 -54 43 -1.88 66 84
Capital Expenditures (CapEx)		 1.15 1.70 1.48 1.77 0.88 0.87 0.37 0.43 0.46 3.63 1.69
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 64 41 74 4.30 4.09 3.85 44 99 35 113 135
Total Depreciation and Amortization (D&A)		 7.08 6.98 6.05 5.48 5.49 6.10 8.88 6.79 5.26 4.28 4.16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.00 $2.11 $1.55 $4.06 $3.21 $4.01 $5.64 $6.13 $5.28 $4.96 $3.14
Adjusted Weighted Average Basic Shares Outstanding		 4.69M 4.73M 4.76M 4.84M 4.87M 4.66M 4.68M 4.69M 4.73M 4.77M 4.80M
Adjusted Diluted Earnings per Share		 $2.00 $2.11 $1.55 $4.06 $3.21 $4.01 $5.64 $6.13 $5.28 $4.96 $3.14
Adjusted Weighted Average Diluted Shares Outstanding		 4.69M 4.73M 4.76M 4.84M 4.87M 4.66M 4.68M 4.69M 4.73M 4.77M 4.80M
Adjusted Basic & Diluted Earnings per Share		 $2.00 $2.11 $1.55 $4.06 $3.21 $4.01 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.72M 4.76M 4.80M 4.83M 4.87M 4.80M 4.67M 4.71M 4.75M 4.79M 4.82M
Normalized Net Operating Profit after Tax (NOPAT)		 9.43 10 7.43 20 16 19 26 29 25 24 15
Normalized NOPAT Margin		 13.27% 13.63% 8.94% 23.49% 19.35% 22.92% 29.54% 30.10% 25.25% 24.33% 15.88%
Pre Tax Income Margin		 19.82% 19.64% 17.68% 28.29% 23.60% 28.40% 37.74% 38.58% 31.82% 30.92% 20.96%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.91 3.76 6.62 5.80 3.01 5.99 9.87 5.06 0.82 0.56 0.44
NOPAT to Interest Expense		 2.62 2.61 2.42 4.82 2.47 4.83 7.73 3.95 0.65 0.44 0.33
EBIT Less CapEx to Interest Expense		 3.59 3.32 6.13 5.37 2.87 5.77 9.77 5.00 0.80 0.49 0.40
NOPAT Less CapEx to Interest Expense		 2.30 2.17 1.94 4.38 2.33 4.61 7.62 3.89 0.64 0.37 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 51.24% 48.65% 66.18% 25.32% 32.22% 25.99% 20.12% 20.14% 23.36% 31.11% 41.88%
Augmented Payout Ratio		 51.24% 48.65% 66.18% 25.32% 32.22% 65.39% 26.24% 23.38% 24.62% 32.57% 44.50%

Quarterly Metrics And Ratios for Chemung Financial

This table displays calculated financial ratios and metrics derived from Chemung Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 4,719,816.00 4,722,636.00 4,750,674.00 4,752,375.00 4,756,024.00 - 4,788,879.00 4,790,325.00 4,790,939.00 4,794,349.00 4,818,467.00
DEI Adjusted Shares Outstanding		 4,719,816.00 4,722,636.00 4,750,674.00 4,752,375.00 4,756,024.00 - 4,788,879.00 4,790,325.00 4,790,939.00 4,794,349.00 4,818,467.00
DEI Earnings Per Adjusted Shares Outstanding		 1.62 0.81 1.48 1.05 1.20 - 1.26 -1.35 1.63 1.61 1.91
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.49% -9.59% -6.40% -2.84% -5.88% 8.87% 8.25% -56.75% 18.39% 17.93% 16.33%
EBITDA Growth		 10.98% -45.79% -8.94% -18.49% -22.47% 46.31% -8.61% -201.41% 28.26% 38.55% 43.66%
EBIT Growth		 18.48% -51.21% -1.83% -20.68% -25.49% 61.60% -15.42% -240.73% 39.18% 46.51% 54.04%
NOPAT Growth		 18.52% -48.89% -3.03% -20.59% -25.21% 55.55% -14.57% -223.68% 36.22% 30.89% 52.73%
Net Income Growth		 18.52% -48.89% -3.03% -20.59% -25.21% 55.55% -14.57% -229.38% 36.22% 30.89% 52.73%
EPS Growth		 17.52% -49.37% -3.90% -21.05% -26.09% 55.00% -14.86% -228.57% 36.13% 29.84% 51.59%
Operating Cash Flow Growth		 -36.51% 53.26% -25.75% -9.63% -2.53% 72.24% -9.50% 50.22% 33.65% 161.96% 25.88%
Free Cash Flow Firm Growth		 -111.16% 1,715.03% 160.72% -4,433.99% -1,514.93% -335.38% -184.24% -20.83% 88.86% 42.05% 1.70%
Invested Capital Growth		 8.50% -13.30% -20.68% 23.20% 58.45% 42.56% 26.75% 18.48% 6.72% 18.61% 21.78%
Revenue Q/Q Growth		 7.42% -7.96% -0.10% -1.63% 4.06% 6.46% -0.66% -60.70% 184.83% 6.05% -2.01%
EBITDA Q/Q Growth		 19.03% -46.40% 64.54% -22.35% 13.21% 1.15% 2.77% -186.17% 243.18% 9.27% 6.56%
EBIT Q/Q Growth		 23.00% -52.17% 95.74% -31.11% 15.52% 3.73% 2.45% -214.62% 214.25% 9.20% 7.71%
NOPAT Q/Q Growth		 21.78% -50.29% 85.43% -29.26% 14.70% 3.39% 1.84% -202.40% 226.34% -0.65% 18.83%
Net Income Q/Q Growth		 21.78% -50.29% 85.43% -29.26% 14.70% 3.39% 1.84% -207.12% 220.77% -0.65% 18.83%
EPS Q/Q Growth		 21.05% -50.31% 85.00% -29.05% 13.33% 4.20% 1.61% -207.14% 220.00% -0.62% 18.63%
Operating Cash Flow Q/Q Growth		 30.88% -61.47% 119.17% -18.23% 41.15% -31.92% 15.16% 35.74% 25.59% 33.44% -44.66%
Free Cash Flow Firm Q/Q Growth		 -450.65% 761.41% 84.76% -167.38% -96.13% 3.60% 33.88% 3.35% 81.92% -401.57% -12.17%
Invested Capital Q/Q Growth		 -25.15% 32.93% 8.64% 13.97% -3.73% 19.60% -3.41% 6.54% -13.29% 32.94% -0.83%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.56% 24.78% 40.82% 32.22% 35.06% 33.31% 34.46% -75.55% 37.98% 39.13% 42.55%
EBIT Margin		 37.59% 19.53% 38.27% 26.80% 29.76% 28.99% 29.90% -87.21% 34.98% 36.02% 39.60%
Profit (Net Income) Margin		 29.61% 16.00% 29.69% 21.35% 23.53% 22.85% 23.43% -63.86% 27.08% 25.37% 30.76%
Tax Burden Percent		 78.78% 81.89% 77.57% 79.65% 79.08% 78.82% 78.35% 73.23% 77.40% 70.42% 77.69%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.22% 18.11% 22.43% 20.35% 20.92% 21.18% 21.65% 0.00% 22.60% 29.58% 22.31%
Return on Invested Capital (ROIC)		 18.07% 6.39% 10.23% 8.00% 10.01% 7.96% 8.20% -16.86% 8.64% 6.72% 8.69%
ROIC Less NNEP Spread (ROIC-NNEP)		 18.07% 6.39% 10.23% 8.00% 10.01% 7.96% 8.20% -17.16% 8.64% 6.72% 8.69%
Return on Net Nonoperating Assets (RNNOA)		 0.40% 2.37% 5.22% 2.91% 1.46% 2.87% 2.73% -7.34% 1.88% 3.54% 3.75%
Return on Equity (ROE)		 18.47% 8.76% 15.44% 10.90% 11.47% 10.83% 10.93% -24.20% 10.51% 10.27% 12.44%
Cash Return on Invested Capital (CROIC)		 9.06% 24.33% 31.83% -11.69% -35.60% -26.62% -15.61% -13.32% -1.82% -12.82% -14.44%
Operating Return on Assets (OROA)		 1.45% 0.72% 1.37% 0.95% 1.03% 1.03% 1.06% -2.67% 1.16% 1.25% 1.42%
Return on Assets (ROA)		 1.14% 0.59% 1.06% 0.76% 0.82% 0.81% 0.83% -1.96% 0.90% 0.88% 1.10%
Return on Common Equity (ROCE)		 18.47% 8.76% 15.44% 10.90% 11.47% 10.83% 10.93% -24.20% 10.51% 10.27% 12.44%
Return on Equity Simple (ROE_SIMPLE)		 16.84% 0.00% 12.57% 11.67% 9.77% 0.00% 9.92% 4.77% 5.41% 0.00% 6.95%
Net Operating Profit after Tax (NOPAT)		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.17 7.79 7.74 9.20
NOPAT Margin		 29.61% 16.00% 29.69% 21.35% 23.53% 22.85% 23.43% -61.05% 27.08% 25.37% 30.76%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.30% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.99% 55.97% 58.57% 57.49% 55.11% 56.32% 54.11% 143.43% 51.19% 49.60% 48.27%
Operating Expenses to Revenue		 60.67% 70.79% 70.32% 69.43% 67.92% 68.88% 65.85% 175.88% 61.32% 60.25% 58.39%
Earnings before Interest and Taxes (EBIT)		 9.71 4.64 9.09 6.26 7.23 7.50 7.69 -8.81 10 11 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 5.89 9.69 7.53 8.52 8.62 8.86 -7.63 11 12 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 1.17 1.00 1.10 1.01 1.08 0.97 0.99 1.03 1.04 0.99
Price to Tangible Book Value (P/TBV)		 1.23 1.32 1.12 1.24 1.12 1.20 1.08 1.09 1.13 1.14 1.08
Price to Revenue (P/Rev)		 1.79 2.31 2.02 2.30 2.34 2.39 2.24 2.70 2.78 2.79 2.61
Price to Earnings (P/E)		 6.35 9.15 7.93 9.46 10.32 9.81 9.81 20.72 18.95 17.60 14.19
Dividend Yield		 3.22% 2.56% 3.00% 2.65% 2.65% 2.54% 2.70% 2.60% 2.46% 2.38% 2.49%
Earnings Yield		 15.74% 10.92% 12.61% 10.57% 9.69% 10.19% 10.20% 4.83% 5.28% 5.68% 7.05%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.99 0.62 0.83 0.71 0.91 0.81 0.04 0.65 0.90 0.85
Enterprise Value to Revenue (EV/Rev)		 1.08 2.29 1.59 2.44 2.06 3.06 2.59 0.17 2.12 3.68 3.31
Enterprise Value to EBITDA (EV/EBITDA)		 2.62 6.17 4.32 6.92 6.19 8.68 7.68 0.81 9.22 14.54 11.77
Enterprise Value to EBIT (EV/EBIT)		 3.01 7.21 4.94 7.94 7.19 9.91 8.97 1.09 11.64 17.57 13.66
Enterprise Value to NOPAT (EV/NOPAT)		 3.82 9.08 6.24 10.04 9.08 12.59 11.36 1.33 14.42 23.19 18.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.69 7.35 5.50 8.60 7.20 10.00 8.85 0.46 5.41 7.70 6.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.26 3.76 1.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.02 0.18 0.27 0.42 0.24 0.52 0.39 0.44 0.19 0.53 0.47
Long-Term Debt to Equity		 0.02 0.18 0.27 0.42 0.24 0.52 0.39 0.44 0.19 0.53 0.47
Financial Leverage		 0.02 0.37 0.51 0.36 0.15 0.36 0.33 0.43 0.22 0.53 0.43
Leverage Ratio		 16.15 14.81 14.52 14.34 14.03 13.36 13.12 12.86 11.74 11.67 11.29
Compound Leverage Factor		 16.15 14.81 14.52 14.34 14.03 13.36 13.12 12.86 11.74 11.67 11.29
Debt to Total Capital		 1.80% 15.19% 21.18% 29.41% 19.59% 34.40% 27.98% 30.43% 16.23% 34.57% 31.89%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 1.80% 15.19% 21.18% 29.41% 19.59% 34.40% 27.98% 30.43% 16.23% 34.57% 31.89%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 98.20% 84.81% 78.82% 70.59% 80.41% 65.60% 72.02% 69.57% 83.77% 65.43% 68.11%
Debt to EBITDA		 0.07 0.95 1.48 2.46 1.70 3.29 2.65 5.60 2.29 5.59 4.40
Net Debt to EBITDA		 -1.74 -0.05 -1.17 0.40 -0.84 1.92 1.05 -11.83 -2.89 3.51 2.49
Long-Term Debt to EBITDA		 0.07 0.95 1.48 2.46 1.70 3.29 2.65 5.60 2.29 5.59 4.40
Debt to NOPAT		 0.11 1.40 2.14 3.57 2.49 4.77 3.92 9.17 3.58 8.91 6.74
Net Debt to NOPAT		 -2.53 -0.08 -1.69 0.58 -1.24 2.78 1.56 -19.39 -4.53 5.59 3.82
Long-Term Debt to NOPAT		 0.11 1.40 2.14 3.57 2.49 4.77 3.92 9.17 3.58 8.91 6.74
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -5.91 39 72 -49 -96 -92 -61 -59 -11 -53 -60
Operating Cash Flow to CapEx		 72,276.92% 120,666.67% 9,795.06% 636.70% 1,508.73% 324.91% 2,189.02% 2,707.22% 3,060.00% 2,726.71% 6,795.49%
Free Cash Flow to Firm to Interest Expense		 -0.54 3.22 5.50 -3.57 -6.83 -7.21 -5.12 -4.81 -0.95 -5.14 -5.98
Operating Cash Flow to Interest Expense		 0.85 0.30 0.60 0.48 0.66 0.49 0.60 0.80 1.09 1.57 0.90
Operating Cash Flow Less CapEx to Interest Expense		 0.85 0.30 0.60 0.40 0.61 0.34 0.58 0.77 1.06 1.52 0.89
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 6.42 6.45 6.48 6.40 6.36 6.29 6.53 5.70 5.97 5.99 6.35
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 173 230 250 285 274 328 317 338 293 389 386
Invested Capital Turnover		 0.61 0.40 0.34 0.37 0.43 0.35 0.35 0.28 0.32 0.27 0.28
Increase / (Decrease) in Invested Capital		 14 -35 -65 54 101 98 67 53 18 61 69
Enterprise Value (EV)		 109 227 155 236 196 298 257 15 192 350 329
Market Capitalization		 182 229 197 222 223 232 222 232 252 266 259
Book Value per Share		 $36.03 $41.34 $41.49 $42.34 $46.39 $45.25 $47.67 $49.05 $51.20 $53.13 $54.57
Tangible Book Value per Share		 $31.41 $36.72 $36.90 $37.75 $41.81 $40.66 $43.12 $44.49 $46.65 $48.57 $50.04
Total Capital		 173 230 250 285 274 328 317 338 293 389 386
Total Debt		 3.12 35 53 84 54 113 89 103 48 135 123
Total Long-Term Debt		 3.12 35 53 84 54 113 89 103 48 135 123
Net Debt		 -72 -1.88 -42 14 -27 66 35 -217 -60 84 70
Capital Expenditures (CapEx)		 0.01 0.00 0.08 1.02 0.61 1.92 0.33 0.36 0.40 0.60 0.13
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.28 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 3.12 35 53 84 54 113 89 103 48 135 123
Total Depreciation and Amortization (D&A)		 1.28 1.25 0.61 1.27 1.29 1.12 1.17 1.18 0.86 0.95 0.88
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.61 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91
Adjusted Weighted Average Basic Shares Outstanding		 4.74M 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M
Adjusted Diluted Earnings per Share		 $1.61 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91
Adjusted Weighted Average Diluted Shares Outstanding		 4.74M 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.72M 4.75M 4.75M 4.76M 4.76M 4.79M 4.79M 4.79M 4.79M 4.82M 4.82M
Normalized Net Operating Profit after Tax (NOPAT)		 7.65 3.80 7.05 4.99 5.72 5.91 6.02 -6.17 7.79 7.74 9.20
Normalized NOPAT Margin		 29.61% 16.00% 29.69% 21.35% 23.53% 22.85% 23.43% -61.05% 27.08% 25.37% 30.76%
Pre Tax Income Margin		 37.59% 19.53% 38.27% 26.80% 29.76% 28.99% 29.90% -87.21% 34.98% 36.02% 39.60%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.38 0.69 0.46 0.52 0.59 0.65 -0.72 0.90 1.06 1.18
NOPAT to Interest Expense		 0.70 0.31 0.54 0.37 0.41 0.46 0.51 -0.50 0.70 0.75 0.92
EBIT Less CapEx to Interest Expense		 0.88 0.38 0.69 0.38 0.47 0.44 0.62 -0.75 0.86 1.00 1.17
NOPAT Less CapEx to Interest Expense		 0.69 0.31 0.53 0.29 0.37 0.31 0.48 -0.53 0.66 0.69 0.91
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 20.35% 23.36% 23.63% 24.98% 34.11% 31.11% 32.80% 66.83% 46.47% 41.88% 35.18%
Augmented Payout Ratio		 21.52% 24.62% 24.84% 26.26% 35.54% 32.57% 34.34% 69.97% 49.13% 44.50% 37.83%

Financials Breakdown Chart

Key Financial Trends

Chemung Financial (NASDAQ: CHMG) showed a sharp rebound in profitability in Q1 2026, but the balance sheet still reflects a bank that is managing a difficult mix of deposit volatility, lower liquidity, and higher leverage than it had a year ago.

On the income statement, Q1 2026 net income came in at $9.2 million, up from $7.7 million in Q4 2025 and well ahead of the weak Q2 2025 loss of $6.5 million. The rebound was driven by much better non-interest income and tighter operating control. Revenue rose to $29.9 million from $25.9 million in Q4 2025, while the provision for credit losses fell to $601,000 from $1.1 million.

That said, the prior year showed how sensitive results can be to market swings and balance-sheet positioning. Q2 2025 was especially weak because non-interest income was hit by a large negative mark in investment gains/losses, which pushed total revenue down to just $10.1 million and produced a quarterly loss. By contrast, Q1 2026 benefited from a much cleaner quarter and stronger core banking results.

Key positives

  • Q1 2026 net income of $9.2 million marked a strong recovery from the Q2 2025 loss.
  • Revenue improved to $29.9 million, supported by better non-interest income and stable net interest income.
  • Net interest income held up at $23.6 million in Q1 2026, roughly in line with recent quarters.
  • Provision for credit losses dropped to $601,000, suggesting less pressure from expected loan losses.
  • Operating cash flow was solid at $9.0 million in Q1 2026.
  • Retained earnings increased to $264.0 million, reflecting continued earnings accumulation over time.
  • Core deposit growth resumed in Q1 2026, with net change in deposits of $43.2 million.

Neutral items

  • Basic EPS in Q1 2026 was $1.91, up from $1.61 in Q4 2025, but the improvement is coming off an unusually weak comparison period.
  • The bank continues to carry meaningful goodwill of $21.8 million, which is common for an acquisitive bank but worth watching.
  • Total assets rose modestly to $2.75 billion from $2.70 billion in Q3 2025.
  • Loan growth remains steady, with gross loans and leases rising to $2.31 billion from $2.20 billion in Q3 2025.

Key negatives

  • Liquidity appears lower than it was earlier in the year, with cash and due from banks falling to $27.7 million from $32.4 million in Q3 2025 and far below the large cash position seen in early 2025.
  • Long-term debt increased to $119.8 million in Q1 2026 from $44.0 million in Q3 2025, raising leverage.
  • Total common equity rose to only $262.9 million versus $245.3 million in Q3 2025, leaving tangible balance-sheet support relatively thin for a bank of this size.
  • Deposits remain somewhat volatile quarter to quarter, which can pressure funding costs and balance-sheet stability.
  • The company’s results have been choppy over the last year, including a sizable loss in Q2 2025 and a steep drop in net change in cash in multiple quarters.
  • Interest expense remains elevated, with Q1 2026 deposit interest expense at $8.5 million, limiting margin expansion.

Overall, CHMG looks like a bank that has recovered earnings momentum after a difficult middle of 2025, but investors should keep an eye on funding stability, leverage, and liquidity. The latest quarter was encouraging, yet the balance sheet still suggests a company that needs to manage its deposit base carefully to sustain the rebound.

07/07/26 01:07 AM ETAI Generated. May Contain Errors.

Chemung Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Chemung Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Chemung Financial's net income appears to be on an upward trend, with a most recent value of $15.10 million in 2025, rising from $9.43 million in 2015. The previous period was $23.67 million in 2024. Check out Chemung Financial's forecast to explore projected trends and price targets.

Over the last 10 years, Chemung Financial's total revenue changed from $71.09 million in 2015 to $95.10 million in 2025, a change of 33.8%.

Chemung Financial's total liabilities were at $2.46 billion at the end of 2025, a 4.1% decrease from 2024, and a 65.6% increase since 2015.

In the past 10 years, Chemung Financial's cash and equivalents has ranged from $22.25 million in 2023 to $44.35 million in 2021, and is currently $22.77 million as of their latest financial filing in 2025.

Over the last 10 years, Chemung Financial's book value per share changed from 29.44 in 2015 to 53.13 in 2025, a change of 80.4%.


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Financial statements for NASDAQ:CHMG last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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