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Chemung Financial Corporation (CHMG)
NASDAQ: CHMG · Real-Time Price · USD
87.60
+1.80 (2.10%)
At close: Oct 29, 2026, 4:00 PM EDT
87.61
+0.01 (0.01%)
After-hours: Oct 29, 2026, 7:30 PM EDT

Chemung Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
123.8890.6797.3495.7496.1789.44
Revenue Growth
43.03%-6.85%1.66%-0.44%7.52%12.08%
Net Income
38.4615.123.672528.7826.43
Earnings Per Share
7.973.144.965.286.135.64
EPS Growth
184.74%-36.64%-6.07%-13.86%8.69%40.72%

Revenue by Segment
Chart
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Core Banking
79.5484.784.2284.9177.29
Holding Company and Cfs Group, Inc. (CFS)
-0.811.07---
Wealth Management Group (WMG)
11.9511.5710.4610.2811.07
Inter-segment Eliminations
-0.01-0.01-0.96--
Total
90.6797.3495.7496.1789.44

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
71.8465.7869.2659.1982.4528.68
Total Debt
138.12156.93142.3764.78132.5244.77
Net Cash (Debt)
-66.29-91.15-73.11-5.59-50.07-16.08
Net Cash Growth
------
Net Cash Per Share
-13.73-18.97-15.33-1.18-10.67-3.43

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-45.529.8230.8835.0535.46
Capital Expenditures
--1.69-3.63-0.46-0.43-0.37
Free Cash Flow
-43.8126.1930.4234.6235.09
Free Cash Flow Growth
-67.29%-13.91%-12.14%-1.35%26.27%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
31.04%16.66%24.32%26.11%29.93%29.54%
FCF Margin
-48.32%26.91%31.77%36.00%39.24%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.4401.3201.2401.2401.2401.190
Dividend Per Share Growth
6.98%6.45%0%0%4.20%14.42%
Dividend Yield
1.64%2.36%2.54%2.50%2.71%2.57%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.0017.719.819.417.468.20
Forward PE
10.458.409.7111.057.7510.02
P/FCF Ratio
9.346.118.877.736.206.17
PS Ratio
3.422.952.392.462.232.42