Chemung Financial Corp (CHMG) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Chemung Financial reported revenue of $95.1M, down 2.2% from $97.3M the year before. Net income was $15.1M (a 15.9% net margin), or $3.14 per diluted share. Net interest income was $87.2M, and the efficiency ratio (noninterest expense / revenue) was 74.4%. Operating activities generated $45.5M of cash, leaving $43.8M of free cash flow. At fiscal year end, Chemung Financial held $2.71B in total assets against $2.46B in total liabilities, including $50.1M of cash and equivalents.
Open the full interactive Chemung Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Chemung Financial Key Stats
| Share Price | $80.37 |
|---|---|
| Market Cap | $388.8M |
| P/E Ratio | 25.6 |
| Revenue YoY Growth | -2.2% |
| 52-Week Range | $48.95 – $84.86 |
| Shares Outstanding | 4.8 million (basic, 2026 Q2) |
Chemung Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $62.9M | $65.6M | $74.2M | $74.5M | $74.1M | $87.2M |
| Provision for Credit Losses | $4.2M | $17,000 | -$554,000 | $3.3M | -$46,000 | $4.4M |
| Noninterest Income | $21.1M | $23.9M | $21.4M | $24.5M | $23.2M | $7.9M |
| Noninterest Expense | $55.9M | $55.7M | $59.3M | $64.2M | $67.2M | $70.7M |
| Revenue | $84.0M | $89.5M | $95.6M | $99.0M | $97.3M | $95.1M |
| Pre-Tax Income | $23.9M | $33.8M | $36.9M | $31.5M | $30.1M | $19.9M |
| Income Tax | $4.6M | $7.3M | $8.1M | $6.5M | $6.4M | $4.8M |
| Net Income | $19.3M | $26.4M | $28.8M | $25.0M | $23.7M | $15.1M |
| Diluted EPS | $4.01 | $5.64 | $6.13 | $5.28 | $4.96 | $3.14 |
Chemung Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $28.8M | $30.5M | $29.9M | $31.2M |
| Net Income | $7.8M | $7.7M | $9.2M | $8.8M |
| Diluted EPS | $1.62 | $1.61 | $1.91 | $1.82 |
Chemung Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $108.5M | $27.0M | $55.9M | $36.8M | $47.0M | $50.1M |
| Loans (Net) | — | — | — | $1.95B | $2.05B | $2.25B |
| Total Assets | $2.28B | $2.42B | $2.65B | $2.71B | $2.78B | $2.71B |
| Deposits | $2.04B | $2.16B | $2.33B | $2.43B | $2.40B | $2.27B |
| Total Long-Term Debt | — | — | — | — | — | $44.0M |
| Total Liabilities | $2.08B | $2.21B | $2.48B | $2.52B | $2.56B | $2.46B |
| Shareholders' Equity | $199.7M | $211.5M | $166.4M | $195.2M | $215.3M | $254.7M |
Chemung Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $28.7M | $35.5M | $35.0M | $30.9M | $29.8M | $45.5M |
| Cash From Investing | -$495.8M | -$242.5M | -$252.6M | -$82.4M | -$57.7M | $68.3M |
| Cash From Financing | $453.8M | $125.5M | $246.5M | $32.5M | $38.1M | -$110.8M |
| Free Cash Flow | $27.8M | $35.1M | $34.6M | $30.4M | $26.2M | $43.8M |
Figures from Chemung Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Chemung Financial financials page for every line item.
Chemung Financial Company Profile
| Ticker | CHMG |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Elmira, New York |
| Incorporated in | New York |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0000763563 |
Frequently Asked Questions
What was Chemung Financial's revenue in fiscal 2025?
Chemung Financial (CHMG) reported revenue of $95.1M for fiscal 2025.
What is Chemung Financial's annual revenue history?
Chemung Financial's annual revenue by fiscal year: 2020: $84.0M; 2021: $89.5M; 2022: $95.6M; 2023: $99.0M; 2024: $97.3M; 2025: $95.1M.
What was Chemung Financial's net income in fiscal 2025?
Chemung Financial reported net income of $15.1M for fiscal 2025.
What was Chemung Financial's earnings per share (EPS) in fiscal 2025?
Chemung Financial's diluted EPS was $3.14 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Chemung Financial generate in fiscal 2025?
Chemung Financial generated $43.8M of free cash flow in fiscal 2025.
What was Chemung Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Chemung Financial reported revenue of $31.2M.
How much debt does Chemung Financial have?
Chemung Financial reported $44.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Chemung Financial are outstanding?
Chemung Financial reported a weighted average of 4.8 million basic shares outstanding in 2026 Q2.
What is Chemung Financial's market cap?
Based on its latest closing price, Chemung Financial (CHMG) has a market capitalization of about $388.8M.
When does Chemung Financial's fiscal year end?
Chemung Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Chemung Financial headquartered?
Chemung Financial lists its business address in Elmira, New York in its SEC filings.