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Chemung Financial (CHMG) Financials

Chemung Financial logo
$80.51 +0.91 (+1.14%)
Closing price 04:00 PM Eastern
Extended Trading
$80.30 -0.21 (-0.26%)
As of 04:55 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20 8.81
Consolidated Net Income / (Loss)		 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20 8.81
Net Income / (Loss) Continuing Operations		 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20 8.81
Total Pre-Tax Income 		4.64 9.09 6.26 7.23 7.50 7.69 -8.81 10 11 12 11
Total Revenue		 24 24 23 24 26 26 10 29 31 30 31
Net Interest Income / (Expense)		 18 18 18 18 20 20 21 23 24 24 25
Total Interest Income		 30 31 31 32 33 32 33 34 34 34 35
Loans and Leases Interest Income		 26 27 28 29 29 28 29 31 32 32 33
Investment Securities Interest Income		 3.79 3.82 3.51 3.31 3.41 3.27 2.74 1.73 1.75 1.76 1.74
Deposits and Money Market Investments Interest Income		 0.13 0.21 0.37 0.44 0.38 0.33 0.86 1.12 0.67 0.30 0.33
Total Interest Expense		 12 13 14 14 13 12 12 11 10 10 10
Deposits Interest Expense		 11 12 13 13 12 11 11 10 9.39 8.54 8.70
Long-Term Debt Interest Expense		 0.79 0.99 0.91 0.97 0.59 0.73 1.15 1.03 0.99 1.46 1.52
Total Non-Interest Income		 5.87 5.66 5.60 5.92 6.06 5.89 -11 6.09 6.67 6.32 6.50
Service Charges on Deposit Accounts		 4.88 4.72 4.97 5.13 5.23 5.02 5.22 5.13 5.30 5.21 5.34
Other Service Charges		 0.74 0.80 0.57 0.59 0.81 0.88 1.41 0.73 1.25 1.15 0.84
Net Realized & Unrealized Capital Gains on Investments		 0.24 0.13 0.05 0.19 0.00 -0.02 -17 0.21 0.12 -0.05 0.32
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		 2.30 -2.04 0.88 0.56 0.55 1.09 1.15 1.06 1.14 0.60 0.56
Total Non-Interest Expense		 17 17 16 17 18 17 18 18 18 17 19
Salaries and Employee Benefits		 8.70 9.10 8.90 8.80 9.75 9.13 9.69 10 10 9.72 10
Net Occupancy & Equipment Expense		 4.40 4.46 4.14 4.39 4.59 4.44 4.45 4.30 4.37 4.47 4.66
Marketing Expense		 0.20 0.35 0.39 0.21 0.24 0.34 0.35 0.20 0.36 0.24 0.50
Property & Liability Insurance Claims		 0.52 0.58 0.52 0.52 0.50 0.44 0.43 0.35 0.29 0.32 0.30
Other Operating Expenses		 3.00 2.21 2.28 2.59 2.75 2.58 2.84 2.56 2.96 2.71 3.54
Income Tax Expense		 0.84 2.04 1.27 1.51 1.59 1.66 -2.36 2.28 3.25 2.64 2.48
Basic Earnings per Share		 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91 $1.82
Weighted Average Basic Shares Outstanding		 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M 4.84M
Diluted Earnings per Share		 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91 $1.82
Weighted Average Diluted Shares Outstanding		 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M 4.84M
Weighted Average Basic & Diluted Shares Outstanding		 4.75M 4.75M 4.76M 4.76M 4.79M 4.79M 4.79M 4.79M 4.82M 4.82M 4.82M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -39 58 -25 10 -33 6.40 267 -212 -58 3.27 20
Net Cash From Operating Activities		 3.62 7.93 6.49 9.16 6.24 7.18 9.75 12 16 9.04 9.24
Net Cash From Continuing Operating Activities		 3.62 7.93 6.49 9.16 6.24 7.18 9.75 12 16 9.04 9.24
Net Income / (Loss) Continuing Operations		 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20 8.81
Consolidated Net Income / (Loss)		 3.80 7.05 4.99 5.72 5.91 6.02 -6.45 7.79 7.74 9.20 8.81
Provision For Loan Losses		 2.46 -2.04 0.88 0.56 0.55 1.09 1.15 1.06 1.14 0.60 0.56
Depreciation Expense		 0.47 0.47 0.47 0.42 0.46 0.47 0.47 0.46 0.49 0.48 0.49
Amortization Expense		 0.78 0.14 0.80 0.87 0.66 0.70 0.70 0.40 0.46 0.40 0.43
Non-Cash Adjustments to Reconcile Net Income		 -2.53 0.47 -0.18 0.39 1.28 -0.11 15 -0.97 0.44 -0.48 0.35
Changes in Operating Assets and Liabilities, net		 -1.37 1.85 -0.47 1.19 -2.62 -0.99 -1.16 3.49 6.06 -1.16 -1.40
Net Cash From Investing Activities		 -29 -18 4.23 -1.21 -43 -12 209 -58 -71 -36 -52
Net Cash From Continuing Investing Activities		 -29 -18 4.23 -1.21 -43 -12 209 -58 -71 -36 -52
Purchase of Property, Leasehold Improvements and Equipment		 -0.00 -0.08 -1.02 -0.61 -1.92 -0.33 -0.36 -0.40 -0.60 -0.13 -0.32
Purchase of Investment Securities		 -99 -42 -16 -16 -63 -34 -38 -71 -79 -49 -62
Sale and/or Maturity of Investments		 71 24 21 16 22 23 247 14 8.43 13 10
Net Cash From Financing Activities		 -14 68 -35 2.27 3.24 11 48 -167 -2.67 30 62
Net Cash From Continuing Financing Activities		 -14 68 -35 2.27 3.24 11 48 -167 -2.67 30 62
Net Change in Deposits		 -44 51 -65 35 -54 37 36 -110 -88 43 50
Issuance of Common Equity		 0.09 0.15 0.10 0.11 0.08 0.15 0.08 0.23 0.07 0.16 0.10
Repayment of Debt		 32 -32 80 -30 76 -24 -31 -55 87 -11 -33
Repurchase of Common Equity		 -0.22 -0.08 - -0.01 -0.25 -0.09 -0.01 -0.01 -0.30 -0.17 -0.01
Payment of Dividends		 -1.46 -1.47 -1.47 -2.95 -1.48 -1.53 -1.53 -1.63 -1.63 -1.64 -1.64
Cash Interest Paid		 13 11 13 13 16 12 12 13 11 9.41 11
Cash Income Taxes Paid		 1.83 0.46 2.83 1.38 1.43 0.44 3.28 0.10 2.53 0.12 6.44

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 Q2 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 6/30/2026
Total Assets		 2,708 2,785 2,756 2,774 2,797 2,852 2,697 2,749 2,820
Cash and Due from Banks		 53 23 23 36 32 36 32 28 29
Interest Bearing Deposits at Other Banks		 23 72 47 44 21 284 75 26 44
Trading Account Securities		 604 593 577 575 550 307 299 293 288
Loans and Leases, Net of Allowance		 1,910 1,983 1,990 2,008 2,075 2,110 2,179 2,287 2,342
Loans and Leases		 1,931 2,004 2,011 2,029 2,098 2,132 2,202 2,312 2,367
Allowance for Loan and Lease Losses		 20 20 21 21 23 23 24 25 25
Loans Held for Sale		 - 0.10 0.38 - 0.28 2.21 3.08 2.71 2.43
Premises and Equipment, Net		 15 14 15 15 16 15 15 15 15
Goodwill		 22 22 22 22 22 22 22 22 22
Other Assets		 81 78 81 75 80 76 71 76 78
Total Liabilities & Shareholders' Equity		 2,708 2,785 2,756 2,774 2,797 2,852 2,697 2,749 2,820
Total Liabilities		 2,538 2,588 2,555 2,554 2,568 2,618 2,451 2,486 2,550
Non-Interest Bearing Deposits		 683 656 619 616 620 624 633 641 682
Interest Bearing Deposits		 1,790 1,824 1,797 1,835 1,814 1,845 1,725 1,673 1,682
Long-Term Debt		 0.00 50 80 50 85 99 44 120 134
Capital Lease Obligations		 3.12 2.98 3.84 3.76 3.70 3.62 3.53 3.36 3.27
Other Long-Term Liabilities		 60 54 53 49 46 46 45 49 49
Total Equity & Noncontrolling Interests		 170 197 201 221 228 235 245 263 270
Total Preferred & Common Equity		 170 197 201 221 228 235 245 263 270
Total Common Equity		 170 197 201 221 228 235 245 263 270
Common Stock		 48 48 48 49 48 49 49 49 50
Retained Earnings		 228 236 239 243 252 244 250 264 271
Treasury Stock		 -17 -16 -16 -16 -15 -15 -15 -15 -15
Accumulated Other Comprehensive Income / (Loss)		 -89 -70 -70 -55 -57 -43 -39 -36 -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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 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 4,819,820.00
DEI Adjusted Shares Outstanding		 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 4,819,820.00
DEI Earnings Per Adjusted Shares Outstanding		 0.81 1.48 1.05 1.20 - 1.26 -1.35 1.63 1.61 1.91 1.83
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.59% -6.40% -2.84% -5.88% 8.87% 8.25% -56.75% 18.39% 17.93% 16.33% 208.55%
EBITDA Growth		 -45.79% -8.94% -18.49% -22.47% 46.31% -8.61% -201.41% 28.26% 38.55% 43.66% 259.91%
EBIT Growth		 -51.21% -1.83% -20.68% -25.49% 61.60% -15.42% -240.73% 39.18% 46.51% 54.04% 228.15%
NOPAT Growth		 -48.89% -3.03% -20.59% -25.21% 55.55% -14.57% -223.68% 36.22% 30.89% 52.73% 242.84%
Net Income Growth		 -48.89% -3.03% -20.59% -25.21% 55.55% -14.57% -229.38% 36.22% 30.89% 52.73% 236.55%
EPS Growth		 -49.37% -3.90% -21.05% -26.09% 55.00% -14.86% -228.57% 36.13% 29.84% 51.59% 234.81%
Operating Cash Flow Growth		 53.26% -25.75% -9.63% -2.53% 72.24% -9.50% 50.22% 33.65% 161.96% 25.88% -5.24%
Free Cash Flow Firm Growth		 1,715.03% 160.72% -4,433.99% -1,514.93% -335.38% -184.24% -20.83% 88.86% 42.05% 1.70% -3.26%
Invested Capital Growth		 -13.30% -20.68% 23.20% 58.45% 42.56% 26.75% 18.48% 6.72% 18.61% 21.78% 20.60%
Revenue Q/Q Growth		 -7.96% -0.10% -1.63% 4.06% 6.46% -0.66% -60.70% 184.83% 6.05% -2.01% 4.24%
EBITDA Q/Q Growth		 -46.40% 64.54% -22.35% 13.21% 1.15% 2.77% -186.17% 243.18% 9.27% 6.56% -4.08%
EBIT Q/Q Growth		 -52.17% 95.74% -31.11% 15.52% 3.73% 2.45% -214.62% 214.25% 9.20% 7.71% -4.64%
NOPAT Q/Q Growth		 -50.29% 85.43% -29.26% 14.70% 3.39% 1.84% -202.40% 226.34% -0.65% 18.83% -4.23%
Net Income Q/Q Growth		 -50.29% 85.43% -29.26% 14.70% 3.39% 1.84% -207.12% 220.77% -0.65% 18.83% -4.23%
EPS Q/Q Growth		 -50.31% 85.00% -29.05% 13.33% 4.20% 1.61% -207.14% 220.00% -0.62% 18.63% -4.71%
Operating Cash Flow Q/Q Growth		 -61.47% 119.17% -18.23% 41.15% -31.92% 15.16% 35.74% 25.59% 33.44% -44.66% 2.18%
Free Cash Flow Firm Q/Q Growth		 761.41% 84.76% -167.38% -96.13% 3.60% 33.88% 3.35% 81.92% -401.57% -12.17% -1.53%
Invested Capital Q/Q Growth		 32.93% 8.64% 13.97% -3.73% 19.60% -3.41% 6.54% -13.29% 32.94% -0.83% 5.50%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 24.78% 40.82% 32.22% 35.06% 33.31% 34.46% -75.55% 37.98% 39.13% 42.55% 39.16%
EBIT Margin		 19.53% 38.27% 26.80% 29.76% 28.99% 29.90% -87.21% 34.98% 36.02% 39.60% 36.22%
Profit (Net Income) Margin		 16.00% 29.69% 21.35% 23.53% 22.85% 23.43% -63.86% 27.08% 25.37% 30.76% 28.26%
Tax Burden Percent		 81.89% 77.57% 79.65% 79.08% 78.82% 78.35% 73.23% 77.40% 70.42% 77.69% 78.03%
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		 18.11% 22.43% 20.35% 20.92% 21.18% 21.65% 0.00% 22.60% 29.58% 22.31% 21.97%
Return on Invested Capital (ROIC)		 6.39% 10.23% 8.00% 10.01% 7.96% 8.20% -16.86% 8.64% 6.72% 8.69% 9.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.39% 10.23% 8.00% 10.01% 7.96% 8.20% -17.16% 8.64% 6.72% 8.69% 9.13%
Return on Net Nonoperating Assets (RNNOA)		 2.37% 5.22% 2.91% 1.46% 2.87% 2.73% -7.34% 1.88% 3.54% 3.75% 4.33%
Return on Equity (ROE)		 8.76% 15.44% 10.90% 11.47% 10.83% 10.93% -24.20% 10.51% 10.27% 12.44% 13.46%
Cash Return on Invested Capital (CROIC)		 24.33% 31.83% -11.69% -35.60% -26.62% -15.61% -13.32% -1.82% -12.82% -14.44% -9.67%
Operating Return on Assets (OROA)		 0.72% 1.37% 0.95% 1.03% 1.03% 1.06% -2.67% 1.16% 1.25% 1.42% 1.54%
Return on Assets (ROA)		 0.59% 1.06% 0.76% 0.82% 0.81% 0.83% -1.96% 0.90% 0.88% 1.10% 1.20%
Return on Common Equity (ROCE)		 8.76% 15.44% 10.90% 11.47% 10.83% 10.93% -24.20% 10.51% 10.27% 12.44% 13.46%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 12.57% 11.67% 9.77% 0.00% 9.92% 4.77% 5.41% 0.00% 6.95% 12.41%
Net Operating Profit after Tax (NOPAT)		 3.80 7.05 4.99 5.72 5.91 6.02 -6.17 7.79 7.74 9.20 8.81
NOPAT Margin		 16.00% 29.69% 21.35% 23.53% 22.85% 23.43% -61.05% 27.08% 25.37% 30.76% 28.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.30% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.97% 58.57% 57.49% 55.11% 56.32% 54.11% 143.43% 51.19% 49.60% 48.27% 49.66%
Operating Expenses to Revenue		 70.79% 70.32% 69.43% 67.92% 68.88% 65.85% 175.88% 61.32% 60.25% 58.39% 61.98%
Earnings before Interest and Taxes (EBIT)		 4.64 9.09 6.26 7.23 7.50 7.69 -8.81 10 11 12 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.89 9.69 7.53 8.52 8.62 8.86 -7.63 11 12 13 12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.17 1.00 1.10 1.01 1.08 0.97 0.99 1.03 1.04 0.99 1.33
Price to Tangible Book Value (P/TBV)		 1.32 1.12 1.24 1.12 1.20 1.08 1.09 1.13 1.14 1.08 1.45
Price to Revenue (P/Rev)		 2.31 2.02 2.30 2.34 2.39 2.24 2.70 2.78 2.79 2.61 2.99
Price to Earnings (P/E)		 9.15 7.93 9.46 10.32 9.81 9.81 20.72 18.95 17.60 14.19 10.72
Dividend Yield		 2.56% 3.00% 2.65% 2.65% 2.54% 2.70% 2.60% 2.46% 2.38% 2.49% 1.82%
Earnings Yield		 10.92% 12.61% 10.57% 9.69% 10.19% 10.20% 4.83% 5.28% 5.68% 7.05% 9.33%
Enterprise Value to Invested Capital (EV/IC)		 0.99 0.62 0.83 0.71 0.91 0.81 0.04 0.65 0.90 0.85 1.04
Enterprise Value to Revenue (EV/Rev)		 2.29 1.59 2.44 2.06 3.06 2.59 0.17 2.12 3.68 3.31 3.52
Enterprise Value to EBITDA (EV/EBITDA)		 6.17 4.32 6.92 6.19 8.68 7.68 0.81 9.22 14.54 11.77 8.85
Enterprise Value to EBIT (EV/EBIT)		 7.21 4.94 7.94 7.19 9.91 8.97 1.09 11.64 17.57 13.66 9.58
Enterprise Value to NOPAT (EV/NOPAT)		 9.08 6.24 10.04 9.08 12.59 11.36 1.33 14.42 23.19 18.00 12.62
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.35 5.50 8.60 7.20 10.00 8.85 0.46 5.41 7.70 6.95 9.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.76 1.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.18 0.27 0.42 0.24 0.52 0.39 0.44 0.19 0.53 0.47 0.51
Long-Term Debt to Equity		 0.18 0.27 0.42 0.24 0.52 0.39 0.44 0.19 0.53 0.47 0.51
Financial Leverage		 0.37 0.51 0.36 0.15 0.36 0.33 0.43 0.22 0.53 0.43 0.47
Leverage Ratio		 14.81 14.52 14.34 14.03 13.36 13.12 12.86 11.74 11.67 11.29 11.23
Compound Leverage Factor		 14.81 14.52 14.34 14.03 13.36 13.12 12.86 11.74 11.67 11.29 11.23
Debt to Total Capital		 15.19% 21.18% 29.41% 19.59% 34.40% 27.98% 30.43% 16.23% 34.57% 31.89% 33.62%
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		 15.19% 21.18% 29.41% 19.59% 34.40% 27.98% 30.43% 16.23% 34.57% 31.89% 33.62%
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		 84.81% 78.82% 70.59% 80.41% 65.60% 72.02% 69.57% 83.77% 65.43% 68.11% 66.38%
Debt to EBITDA		 0.95 1.48 2.46 1.70 3.29 2.65 5.60 2.29 5.59 4.40 2.86
Net Debt to EBITDA		 -0.05 -1.17 0.40 -0.84 1.92 1.05 -11.83 -2.89 3.51 2.49 1.34
Long-Term Debt to EBITDA		 0.95 1.48 2.46 1.70 3.29 2.65 5.60 2.29 5.59 4.40 2.86
Debt to NOPAT		 1.40 2.14 3.57 2.49 4.77 3.92 9.17 3.58 8.91 6.74 4.08
Net Debt to NOPAT		 -0.08 -1.69 0.58 -1.24 2.78 1.56 -19.39 -4.53 5.59 3.82 1.90
Long-Term Debt to NOPAT		 1.40 2.14 3.57 2.49 4.77 3.92 9.17 3.58 8.91 6.74 4.08
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)		 39 72 -49 -96 -92 -61 -59 -11 -53 -60 -61
Operating Cash Flow to CapEx		 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% 2,859.13%
Free Cash Flow to Firm to Interest Expense		 3.22 5.50 -3.57 -6.83 -7.21 -5.12 -4.81 -0.95 -5.14 -5.98 -5.94
Operating Cash Flow to Interest Expense		 0.30 0.60 0.48 0.66 0.49 0.60 0.80 1.09 1.57 0.90 0.90
Operating Cash Flow Less CapEx to Interest Expense		 0.30 0.60 0.40 0.61 0.34 0.58 0.77 1.06 1.52 0.89 0.87
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.04 0.04 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 6.45 6.48 6.40 6.36 6.29 6.53 5.70 5.97 5.99 6.35 7.94
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 230 250 285 274 328 317 338 293 389 386 407
Invested Capital Turnover		 0.40 0.34 0.37 0.43 0.35 0.35 0.28 0.32 0.27 0.28 0.32
Increase / (Decrease) in Invested Capital		 -35 -65 54 101 98 67 53 18 61 69 70
Enterprise Value (EV)		 227 155 236 196 298 257 15 192 350 329 423
Market Capitalization		 229 197 222 223 232 222 232 252 266 259 359
Book Value per Share		 $41.34 $41.49 $42.34 $46.39 $45.25 $47.67 $49.05 $51.20 $53.13 $54.57 $56.09
Tangible Book Value per Share		 $36.72 $36.90 $37.75 $41.81 $40.66 $43.12 $44.49 $46.65 $48.57 $50.04 $51.57
Total Capital		 230 250 285 274 328 317 338 293 389 386 407
Total Debt		 35 53 84 54 113 89 103 48 135 123 137
Total Long-Term Debt		 35 53 84 54 113 89 103 48 135 123 137
Net Debt		 -1.88 -42 14 -27 66 35 -217 -60 84 70 64
Capital Expenditures (CapEx)		 0.00 0.08 1.02 0.61 1.92 0.33 0.36 0.40 0.60 0.13 0.32
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.28 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 35 53 84 54 113 89 103 48 135 123 137
Total Depreciation and Amortization (D&A)		 1.25 0.61 1.27 1.29 1.12 1.17 1.18 0.86 0.95 0.88 0.92
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91 $1.82
Adjusted Weighted Average Basic Shares Outstanding		 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M 4.84M
Adjusted Diluted Earnings per Share		 $0.80 $1.48 $1.05 $1.19 $1.24 $1.26 ($1.35) $1.62 $1.61 $1.91 $1.82
Adjusted Weighted Average Diluted Shares Outstanding		 4.73M 4.76M 4.77M 4.77M 4.77M 4.79M 4.81M 4.81M 4.80M 4.82M 4.84M
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		 4.75M 4.75M 4.76M 4.76M 4.79M 4.79M 4.79M 4.79M 4.82M 4.82M 4.82M
Normalized Net Operating Profit after Tax (NOPAT)		 3.80 7.05 4.99 5.72 5.91 6.02 -6.17 7.79 7.74 9.20 8.81
Normalized NOPAT Margin		 16.00% 29.69% 21.35% 23.53% 22.85% 23.43% -61.05% 27.08% 25.37% 30.76% 28.26%
Pre Tax Income Margin		 19.53% 38.27% 26.80% 29.76% 28.99% 29.90% -87.21% 34.98% 36.02% 39.60% 36.22%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.38 0.69 0.46 0.52 0.59 0.65 -0.72 0.90 1.06 1.18 1.10
NOPAT to Interest Expense		 0.31 0.54 0.37 0.41 0.46 0.51 -0.50 0.70 0.75 0.92 0.86
EBIT Less CapEx to Interest Expense		 0.38 0.69 0.38 0.47 0.44 0.62 -0.75 0.86 1.00 1.17 1.07
NOPAT Less CapEx to Interest Expense		 0.31 0.53 0.29 0.37 0.31 0.48 -0.53 0.66 0.69 0.91 0.83
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.36% 23.63% 24.98% 34.11% 31.11% 32.80% 66.83% 46.47% 41.88% 35.18% 19.49%
Augmented Payout Ratio		 24.62% 24.84% 26.26% 35.54% 32.57% 34.34% 69.97% 49.13% 44.50% 37.83% 20.95%

Financials Breakdown Chart

Key Financial Trends

Chemung Financial’s latest results show a meaningful recovery from the restated second quarter of 2025, when a $17.3 million investment loss produced a $6.5 million net loss. In Q2 2026, net income was $8.8 million, or $1.82 per diluted share, compared with a $9.2 million profit in Q1 2026 and a $6.5 million loss in Q2 2025. The improvement was driven primarily by stronger net interest income and the absence of the prior-year investment loss.

The balance sheet also reflects continued loan growth. Gross loans and leases increased to $2.37 billion in Q2 2026, up from $2.13 billion a year earlier and $1.93 billion in Q3 2023. Total assets were $2.82 billion, while shareholders’ equity reached $270.4 million, up from $235.0 million in Q2 2025. However, total deposits declined modestly year over year, and the allowance for loan losses increased alongside the expanding loan portfolio.

  • Net interest income continues to improve: Q2 2026 net interest income rose to $24.7 million, up from $20.8 million in Q2 2025 and $18.0 million in Q3 2023.
  • Loan growth is supporting revenue: Gross loans and leases grew approximately 11% year over year to $2.37 billion, increasing the company’s earning-asset base.
  • Investment-related results normalized: Net investment gains were $319,000 in Q2 2026 compared with a $17.3 million investment loss in the restated Q2 2025 results, helping the company return to profitability.
  • Operating cash flow remains healthy: Cash from operating activities was $9.2 million in Q2 2026, slightly above $9.0 million in Q1 2026 and consistent with the company’s generally positive operating cash generation.
  • Capital levels have strengthened: Total common equity increased to $270.4 million from $235.0 million a year earlier, while retained earnings rose to $271.2 million.
  • Per-share earnings have recovered: Diluted EPS improved to $1.82 from a loss of $1.35 in Q2 2025, although it declined from $1.91 in Q1 2026.
  • Liquidity is being actively managed: Q2 investing cash flow was negative $51.8 million, primarily because the company purchased $61.7 million of investment securities. Financing inflows, including a $50.0 million increase in deposits, more than offset that use of cash.
  • Share count remains relatively stable: Weighted average diluted shares were approximately 4.84 million in Q2 2026, only modestly above the roughly 4.73 million reported in Q3 2023.
  • Operating expenses are rising: Q2 2026 non-interest expense increased to $19.3 million from $17.8 million in Q2 2025 and $16.5 million in Q3 2023. Salaries, occupancy costs, marketing, and other operating expenses all contributed to the increase.
  • Deposit funding and credit costs require monitoring: Total deposits were $2.36 billion in Q2 2026, down from $2.46 billion a year earlier, while the allowance for loan losses rose to $25.2 million. The provision for credit losses remained significant at $561,000 during the quarter.

Overall, Chemung Financial’s recent trend is constructive: loan growth, expanding net interest income, positive operating cash flow, and stronger equity have supported a recovery in earnings. Investors should nevertheless watch deposit trends, funding costs, rising operating expenses, and credit quality as the balance sheet grows. The restated Q2 2025 results also make year-over-year comparisons unusually favorable because that period included a large investment loss.

10/16/26 04:42 PM 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 financial year ends in December. Their financial 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. View Chemung Financial's forecast to see where analysts expect Chemung Financial to go next.

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%.

In the past 11 quarters, Chemung Financial's cash and equivalents has ranged from $22.98 million in Q1 2024 to $52.56 million in Q3 2023, and is currently $28.99 million as of their latest financial filing in Q2 2026.

Chemung Financial had total debt of $134.58 million at the end of 2025, a 19.2% increase from 2024, and a 108.9% increase since 2015.

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 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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