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Data is in US dollars, converted at the ECB reference rate of Oct 23, 2026.

Chemung Financial Corp

CHMG Nasdaq State Commercial Banks Financials FY2016–FY2025

Last close · Oct 23, 2026

$83.88

0.8%
Compare
Revenue Total sales reported in the income statement.
$95.1M
2.2% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
74.4%
5.2 pts
Net income Profit after all expenses, interest and tax.
$15.1M
36.2%
Return on equity Net income as a share of average shareholders' equity.
6.4%
5.1 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$406M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.1x
On $6.96 EPS (TTM)

What Chemung Financial Corp does

No business description yet.

Legal name
CHEMUNG FINANCIAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 13, 2026
Accession · CIK
0001628280-26-017546
0000763563

Revenue and margins

Chemung Financial Corp had $95.1M of revenue in fiscal 2025, down 2.2% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 4.5% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Chemung Financial Corp returned $6.7M to shareholders in fiscal 2025, 15% of free cash flow. The diluted share count rose 0.7%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net —$1.8B$2.0B$2.1B$2.2B
Deposits $2.2B$2.3B$2.4B$2.4B$2.3B
Loans / deposits —77.8%80.3%85.5%98.9%
Total assets $2.4B$2.6B$2.7B$2.8B$2.7B
Shareholders' equity $211M$166M$195M$215M$255M
Goodwill $21.8M$21.8M$21.8M$21.8M$21.8M
Intangible assets $0.0M$0.0M———
Provision / loans —−0.0%———

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $73.5M $77.5M $83.6M $80.7M $84.0M $89.5M $95.6M $99.0M $97.3M $95.1M
Net interest income $52.3M $57.0M $60.5M $60.6M $62.9M $65.6M $74.2M $74.5M $74.1M $87.2M
Noninterest income $21.1M $20.5M $23.1M $20.1M $21.1M $23.9M $21.4M $24.5M $23.2M $7.9M
Noninterest expense $56.6M $53.8M $56.8M $55.7M $55.9M $55.7M $59.3M $64.2M $67.3M $70.7M
Provision for credit losses $0.0M $0.0M $0.0M $5.9M $4.2M $0.0M −$0.6M — — —
Interest expense $3.8M $3.1M $4.1M $6.3M $4.0M $3.4M $7.3M $38.6M — —
Pretax income $14.4M $14.7M $23.6M $19.0M $23.9M $33.8M $36.9M $31.5M $30.1M $19.9M
Income tax $4.4M $7.3M $4.0M $3.4M $4.6M $7.3M $8.1M $6.5M $6.4M $4.8M
Net income $10.0M $7.4M $19.6M $15.6M $19.3M $26.4M $28.8M $25.0M $23.7M $15.1M
Diluted EPS $2.11 $1.55 $4.06 $3.21 $4.01 $5.64 $6.13 $5.28 $4.96 $3.14
Diluted shares 0.00B 0.00B 0.00B 0.00B 0.00B 0.00B 0.00B 0.00B 0.00B 0.00B
Cash flow
Cash from operations $22.1M $23.6M $27.8M $26.4M $28.7M $35.5M $35.0M $30.9M $29.8M $45.5M
Capital expenditure $1.7M $1.5M $1.8M $0.9M $0.9M $0.4M $0.4M $0.5M $3.6M $1.7M
Free cash flow $20.4M $22.2M $26.0M $25.5M $27.8M $35.1M $34.6M $30.4M $26.2M $43.8M
Depreciation and amortization $4.2M $3.7M $3.4M $3.1M $2.9M $2.5M $2.2M $2.0M $1.8M $1.9M
Share buybacks — — $0.0M $0.0M $7.6M $1.6M $0.9M $0.3M $0.3M $0.4M
Dividends paid $4.9M $4.9M $5.0M $5.0M $5.0M $5.3M $5.8M $5.8M $7.4M $6.3M
Dividends and buybacks $4.9M $4.9M $5.0M $5.0M $12.6M $6.9M $6.7M $6.2M $7.7M $6.7M
Balance sheet
Cash and short-term investments $74.2M $30.7M $130M $122M $109M $27.0M $55.9M $36.8M $47.0M $50.1M
Finance lease liabilities — — — $4.1M $3.8M $3.6M $3.3M $3.1M $3.8M $3.4M
Loans, net $1.2B $1.3B $1.3B $1.3B — — $1.8B $2.0B $2.1B $2.2B
Deposits $1.5B $1.5B $1.6B $1.6B $2.0B $2.2B $2.3B $2.4B $2.4B $2.3B
Property and equipment, net $28.9M $26.7M $25.0M $22.4M $20.1M $18.0M $16.1M $14.6M $16.4M $15.4M
Goodwill $21.8M $21.8M $21.8M $21.8M $21.8M $21.8M $21.8M $21.8M $21.8M $21.8M
Intangible assets $2.9M $2.1M $1.4M $0.7M $0.3M $0.0M $0.0M — — —
Total assets $1.7B $1.7B $1.8B $1.8B $2.3B $2.4B $2.6B $2.7B $2.8B $2.7B
Total liabilities $1.5B $1.6B $1.6B $1.6B $2.1B $2.2B $2.5B $2.5B $2.6B $2.5B
Shareholders' equity $144M $150M $165M $183M $200M $211M $166M $195M $215M $255M
Margins
Net margin 13.6% 9.6% 23.5% 19.3% 22.9% 29.5% 30.1% 25.3% 24.3% 15.9%
FCF margin 27.8% 28.6% 31.1% 31.6% 33.1% 39.2% 36.2% 30.7% 26.9% 46.1%
Net interest share of revenue 71.2% 73.6% 72.4% 75.1% 74.9% 73.3% 77.6% 75.2% 76.1% 91.6%
Efficiency ratio 77.0% 69.4% 67.9% 69.0% 66.6% 62.2% 62.0% 64.9% 69.1% 74.4%
Returns
Return on equity 7.0% 5.1% 12.5% 9.0% 10.1% 12.9% 15.2% 13.8% 11.5% 6.4%
Return on assets 0.6% 0.4% 1.1% 0.9% 0.9% 1.1% 1.1% 0.9% 0.9% 0.6%
Return on tangible equity 8.4% 5.9% 13.8% 9.8% 10.8% 13.9% 19.9% 14.4% 12.2% 6.5%
Growth
Revenue growth — 5.4% 7.8% −3.4% 4.2% 6.4% 6.9% 3.5% −1.7% −2.2%
Net income growth — −25.9% 164.1% −20.5% 23.4% 37.2% 8.9% −13.1% −5.3% −36.2%
EPS growth — −26.5% 161.9% −20.9% 24.9% 40.6% 8.7% −13.9% −6.1% −36.7%
FCF growth — 8.4% 17.3% −1.8% 8.9% 26.3% −1.3% −12.1% −13.9% 67.3%
Share count change — 0.8% 0.7% 0.8% −1.4% −2.5% 0.2% 0.8% 0.8% 0.7%
Financial health
Loans / deposits 81.4% 88.0% 82.4% 81.8% — — 77.8% 80.3% 85.5% 98.9%
Provision / loans 0.0% 0.0% 0.0% 0.5% — — −0.0% — — —
Capital allocation
Capex / revenue 2.3% 1.9% 2.1% 1.1% 1.0% 0.4% 0.4% 0.5% 3.7% 1.8%
Payouts / FCF 23.9% 22.2% 19.1% 19.7% 45.3% 19.8% 19.4% 20.2% 29.4% 15.3%
Quality scores
Accruals ratio −0.7% −1.0% −0.5% −0.6% −0.5% −0.4% −0.2% −0.2% −0.2% −1.1%

Source: SEC EDGAR XBRL filings (CIK 0000763563). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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