Chemung Financial Corporation (CHMG)

Chemung Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	87.16	74.06	74.46	74.18	65.59
Net Interest Income Growth	17.69%	-0.53%	0.38%	13.10%	4.24%
Non-Interest Income	7.95	23.23	24.55	21.44	23.87
Non-Interest Income Growth	-65.80%	-5.37%	14.52%	-10.20%	13.00%
Revenues Before Loan Losses	95.1	97.29	99.01	95.62	89.46
Provision for Credit Losses	4.44	-0.05	3.26	-0.55	0.02
Revenue	90.67	97.34	95.74	96.17	89.44
Revenue Growth (YoY)	-6.85%	1.66%	-0.44%	7.52%	12.08%
Compensation Expenses	39	35.63	33.52	31.07	28.92
Selling, General & Admin	23.03	23.24	22.55	20.83	20.19
Other Non-Interest Expenses	8.69	8.38	8.17	7.37	6.57
Total Non-Interest Expense	70.73	67.25	64.24	59.28	55.68
Pretax Income	19.94	30.09	31.5	36.89	33.76
Provision for Income Taxes	4.83	6.41	6.5	8.11	7.34
Net Income	15.1	23.67	25	28.78	26.43
Net Income to Common	15.1	23.67	25	28.78	26.43
Net Income Growth	-36.19%	-5.32%	-13.14%	8.92%	37.19%
Shares Outstanding (Basic)	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5
Shares Change (YoY)	0.71%	0.80%	0.83%	0.21%	-2.48%
EPS (Basic)	3.14	4.96	5.28	6.13	5.64
EPS (Diluted)	3.14	4.96	5.28	6.13	5.64
EPS Growth	-36.69%	-6.06%	-13.87%	8.69%	40.65%
Free Cash Flow	4.44	26.19	30.42	34.62	35.09
Free Cash Flow Growth	-83.06%	-13.91%	-12.14%	-1.35%	19.83%
Free Cash Flow Per Share	0.92	5.49	6.43	7.38	7.49
Dividends Per Share	1.320	1.240	1.240	1.240	1.190
Dividend Growth	6.45%	-	-	4.20%	14.42%
Profit Margin	16.66%	24.32%	26.16%	29.93%	29.54%
FCF Margin	4.89%	26.91%	31.83%	36.00%	39.24%
EBITDA	0	2.02	2.8	3.03	3.5
EBITDA Margin	0.00%	2.07%	2.93%	3.15%	3.92%
Effective Tax Rate	24.24%	21.32%	20.64%	21.97%	21.73%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q