Chemung Financial Corp
CHMG Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$85.44
KIRA · Stoqly’s AI analyst, in plain words
- Chemung Financial Corp had $95.1M of revenue in fiscal 2025, down 2.2% on the year before. Over five years, revenue changed +2.5% a year on average.
- Chemung Financial Corp made $15.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.5% a year.
- Chemung Financial Corp returned $6.7M to shareholders in fiscal 2025, 15% of free cash flow. The diluted share count rose 0.7%.
- It earned 6.4% on shareholders’ money. Running costs took 74.4% of revenue (the efficiency ratio; lower is better).
Market cap
$413M
P/E
12.3x
Revenue
$95.1M
Net income
$15.1M
Return on equity
6.4%
Efficiency ratio
74.4%
Chemung Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
−2.2%
No. Sales fell 2.2% last year.
Does it make a profit?
15.9%
Yes. It keeps 15.9% of every sale as profit.
How lean are its costs?
74.4%
Costly. Running costs take 74.4% of revenue.
How much does it earn on its capital?
6.4%
Low. It earns 6.4% a year on shareholders’ money.
How is the share priced?
12.3x
One share costs 12.3 times its yearly profit per share.
What Chemung Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- CHEMUNG FINANCIAL CORP
- CIK
- 0000763563
Chemung Financial Corp · CHMG
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $89.5M | $95.6M | $99.0M | $97.3M | $95.1M |
| Revenue growth | 6.4% | 6.9% | 3.5% | −1.7% | −2.2% |
| Net interest income | $65.6M | $74.2M | $74.5M | $74.1M | $87.2M |
| Net income | $26.4M | $28.8M | $25.0M | $23.7M | $15.1M |
| Net margin | 29.5% | 30.1% | 25.3% | 24.3% | 15.9% |
| Diluted EPS | $5.64 | $6.13 | $5.28 | $4.96 | $3.14 |
| Cash | |||||
| Cash from operations | $35.5M | $35.0M | $30.9M | $29.8M | $45.5M |
| Capital expenditure | $0.4M | $0.4M | $0.5M | $3.6M | $1.7M |
| Free cash flow | $35.1M | $34.6M | $30.4M | $26.2M | $43.8M |
| FCF margin | 39.2% | 36.2% | 30.7% | 26.9% | 46.1% |
| Dividends paid | $5.3M | $5.8M | $5.8M | $7.4M | $6.3M |
| Share buybacks | $1.6M | $0.9M | $0.3M | $0.3M | $0.4M |
| Share count change | −2.5% | 0.2% | 0.8% | 0.8% | 0.7% |
| Debt and strength | |||||
| Cash and short-term investments | $27.0M | $55.9M | $36.8M | $47.0M | $50.1M |
| Loans, net | — | $1.8B | $2.0B | $2.1B | $2.2B |
| Deposits | $2.2B | $2.3B | $2.4B | $2.4B | $2.3B |
| Shareholders' equity | $211M | $166M | $195M | $215M | $255M |
| Returns and quality | |||||
| Return on equity | 12.9% | 15.2% | 13.8% | 11.5% | 6.4% |
| Return on tangible equity | 13.9% | 19.9% | 14.4% | 12.2% | 6.5% |
| Efficiency ratio | 62.2% | 62.0% | 64.9% | 69.1% | 74.4% |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$0.7M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Chemung Financial Corp · CHMG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $85.44 a share, the company is worth $413M: 12.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000763563). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.