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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. CHEMUNG FINANCIAL CORP.
Chemung Financial Corp.
XNAS: CHMG
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XNAS 07 Oct, 2026 5:30 PM (EDT)

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Chemung Fin Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Chemung Fin Corp share price target, revenues, EPS, net income and more

Chemung Fin Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Chemung Fin Corp Jun-2026 Quarterly Revenue is $31 Million which is growth of 213.2% YoY.

  • POSITIVE

    Quarterly Net Profit Chemung Fin Corp Jun-2026 Quarterly Net Profit is $9 Million which is growth of 236.5% YoY.

Chemung Financial Corp., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
30.729.630.228.59.825.425.52423.223.523.525.623.7
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------9.39.3
Operating Profit
-----------
⌄
-------------
Profit Before Tax
11.311.81110.1-8.87.77.57.26.39.14.69.77.9
Tax
2.52.63.32.3-2.41.71.61.51.320.82.11.6
⌄
8.79.17.87.7-6.465.95.757.13.87.76.3
Diluted NI Avail to Com Stockholders Ann.
8.79.17.87.7-6.465.95.757.13.87.76.3
Basic EPS
1.81.91.61.6-1.41.31.21.21.11.50.81.61.3
Diluted EPS After ExtraOrdinary
1.81.91.61.6-1.41.31.21.21.11.50.81.61.3
Number Of Shares End
4.84.854.74.74.84.84.84.84.84.74.74.7
Net Income Continuing Discontinued Operations
8.89.27.77.8-6.565.95.757.13.87.76.3
Normalized Income
8.89.27.77.8-6.565.95.757.13.87.76.3
Interest Income
34.933.634.233.93331.732.632.431.431.2302927.8
Interest
10.21010.411.212.211.912.81413.613.112.1119.2
Net Interest Income
24.723.623.822.720.819.819.818.417.818.117.91818.6
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.70.70.80.70.60.70.70.60.70.10.70.70.7
Profit From Continuing Operations
8.89.27.77.8-6.565.95.757.13.87.76.3
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Chemung Fin Corp competitor comparison and performance snapshot within industry

Chemung Fin Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • NEGATIVE

    Annual Revenue Chemung Fin Corp Dec-2025 Annual Revenue is $94 Million which is growth of -2.2% YoY.

  • NEGATIVE

    Annual Net Profit Chemung Fin Corp Dec-2025 Annual Net Profit is $15 Million which is growth of -36.2% YoY.

Chemung Financial Corp., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-0.2%
2.5%
 9496.19894.688.482.979.982.776.872.870.4
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----7.3-3.4-4-6.3-4.1-3.1-3.8-3.6
Operating Profit Ann.
-
-
 ---101.991.886.986.286.879.976.774
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-18.6%
-3.6%
44.219.930.131.536.933.823.91923.614.714.414.1
Tax Ann.
-16%
0.9%
10.74.86.46.58.17.34.63.447.34.44.7
⌄
-19.4%
-4.8%
33.315.123.72528.826.419.315.619.67.4109.4
Diluted NI Avail to Com Stockholders Ann.
-19.4%
-4.8%
33.315.123.72528.826.419.315.619.67.4109.4
EPS Ann.
-20.2%
-5%
 3.155.36.15.643.24.11.62.12
Diluted EPS Ann.
-20.2%
-5%
 3.155.36.15.643.24.11.62.12
Number Of Shares End
2.1%
1.2%
 54.84.74.74.74.74.94.84.84.84.7
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-19.4%
-4.8%
33.515.123.72528.826.419.315.619.67.4109.4
Normalized Income Ann.
-19.3%
-4.8%
33.515.123.72528.726.419.315.719.67.4109.4
Interest Income Ann.
17.7%
14.7%
136.6132.8127.6113.181.56966.966.964.660.156.254.2
Interest Ann.
84.3%
62.8%
41.845.753.538.67.33.446.34.13.13.83.6
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-3.5%
-8.9%
2.82.722.833.54.34.44.24.65.25.2
Profit From Continuing Operations Ann.
-19.4%
-4.8%
33.515.123.72528.826.419.315.619.67.4109.4
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
-2.2%
2Y CAGR
-2.1%
3Y CAGR
-0.2%
5Y CAGR
2.5%
7Y CAGR
1.8%
10Y CAGR
2.9%
Total Revenue Annual is falling faster than historical averages.
Net Profit Ann.
1Y CHG
-36.3%
2Y CAGR
-22.3%
3Y CAGR
-19.4%
5Y CAGR
-4.8%
7Y CAGR
-3.7%
10Y CAGR
4.9%
Net Profit Annual is falling faster than historical averages.

Chemung Fin Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Chemung Fin Corp Dec-2025 Total Shareholders Fund is $255 Million which is growth of 18.3% YoY.

  • NEGATIVE

    Total Assets Chemung Fin Corp Dec-2025 Total Assets is $2,710 Million which is growth of -2.4% YoY.

Chemung Financial Corp., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
0.8%
3.5%
2,710.22,776.22,710.52,645.62,418.52,279.51,787.81,755.31,707.61,657.21,620
⌄
-0.3%
3.4%
2,455.52,560.82,515.32,479.22,2072,079.81,605.21,590.31,557.81,513.41,482.7
⌄
15.2%
5%
254.7215.3195.2166.4211.5199.7182.6165149.8143.8137.2
Total Capitalization Ann.
-
-
298.7328.2------151.8152.8156.4
Tangible Assets Ann.
17.2%
5.6%
232.9193.5173.4144.6189.6177.6160.1141.9125.9119111.5
Working Capital Ann.
-
-
---
Invested Capital Ann.
13.7%
-
385.9324.4227.2262.2226---209.5152.8170.3
Tangible Book Value Ann.
17.2%
5.6%
232.9193.5173.4144.6189.6177.6160.1141.9125.9119111.5
Borrowings Ann.
9.7%
65.9%
139.5118.540.8105.825.511.112.24.364.213.836
Net Debt Ann.
26.6%
-
8162.1-39.9----29-6.9
Share Issued Ann.
0%
0%
5.35.35.35.35.35.35.35.35.35.35.3
Number Of Shares End
2.1%
1.2%
54.84.74.74.74.74.94.84.84.84.7
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
-2.4%
2Y CAGR
0%
3Y CAGR
0.8%
5Y CAGR
3.5%
7Y CAGR
6.4%
10Y CAGR
5.3%
Total Assets Annual is falling faster than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
18.3%
2Y CAGR
14.2%
3Y CAGR
15.2%
5Y CAGR
5%
7Y CAGR
6.4%
10Y CAGR
6.4%
Total ShareHolders Funds Annual growth is higher than historical averages.

Chemung Fin Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Chemung Fin Corp Book Value Per Share is $56 which is growth of 14.3% YoY.

  • NEUTRAL

    ROE Chemung Fin Corp ROE is 0% which is growth of 0% YoY.

Chemung Financial Corp., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.86%0.93%1.14%1.12%0.95%0.88%1.13%0.44%0.61%0.60%
ROE Ann. %
-
-
-11.53%13.83%15.24%12.85%10.08%8.98%12.47%5.06%7.14%6.96%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---107.71%103.87%104.81%107.91%104.93%104.00%105.27%105.12%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-000000.10.10.100
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-00.10.10.10.10.1000.10.2
*All financials are in USD Million and price data in USD
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Chemung Fin Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Chemung Fin Corp Dec-2025 Cash From Operating Activity is $45 Million which is growth of 52.6% YoY.

  • NEGATIVE

    Net Cash Flow Chemung Fin Corp Dec-2025 Net Cash Flow is $3 Million which is growth of -69.9% YoY.

Chemung Financial Corp., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
9%
9.7%
45.529.830.935.135.528.726.427.823.622.114.1
⌄
-
-
68.3-57.7-82.4-252.6-242.5-495.9-32.743.9-106.6-0.7-114.7
⌄
-
-
-110.838.132.5246.5125.5453.8-1.827.639.626.697.6
Cash Plus Cash Eqv. End Of Year Ann.
-3.6%
-14.3%
50.14736.955.927108.5121.913030.774.226.2
Net Increase In Cash Plus Cash Eqv.s Ann.
-52.5%
-
3.110.2-1928.9-81.6-13.4-8.199.2-43.448-3
Cash Plus Cash Eqv. Begin Of Year Ann.
20.3%
-17.4%
4736.955.927108.5121.913030.774.226.229.2
Income Tax Paid Supplemental Data Ann.
4.6%
1.3%
6.46.17.95.65.764.51.74.14.47.1
Interest Paid Supplemental Data Ann.
92.8%
63.9%
47.35336.56.63.546.343.13.83.6
Capex Ann.
-
-
-1.7-3.6-0.5-0.4-0.4-0.9-0.9-1.8-1.5-1.7-1.2
Issuance Of Capital Stock Ann.
7.7%
-12.9%
0.50.40.60.40.410.60.60.60.40.4
Issuance Of Debt Ann.
-
-
450.7---------
Repayment Of Debt Ann.
-
-
-0.3--0.3-0.3-0.3-0.2-0.2-2.2-7.3-10.3-0.2
Repurchase Of Capital Stock Ann.
-
-
-0.4-0.3-0.3-0.9-1.6-7.6-----
Free Cash Flow Ann.
8.2%
9.5%
43.826.230.434.635.127.825.52622.220.513
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
52.7%
2Y CAGR
21.3%
3Y CAGR
9%
5Y CAGR
9.7%
7Y CAGR
7.3%
10Y CAGR
12.4%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Investing Act. Ann.
7Y CAGR
6.5%
Cash from Investing Activity Annual growth is higher than historical averages.
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