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Chemung Financial Corporation (CHMG)
NASDAQ: CHMG · Real-Time Price · USD
81.49
+0.38 (0.47%)
At close: Jul 31, 2026, 4:00 PM EDT
81.50
+0.01 (0.01%)
After-hours: Jul 31, 2026, 7:34 PM EDT

Chemung Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
117.0190.6797.3495.7496.1789.44
Revenue Growth
16.85%-6.85%1.66%-0.44%7.52%12.08%
Net Income
33.5415.123.672528.7826.43
Earnings Per Share
6.963.144.965.286.135.64
EPS Growth
197.44%-36.69%-6.06%-13.87%8.69%40.65%

Revenue by Segment
Chart
Fiscal YearFY 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---
Inter-segment Eliminations
-0.01-0.01-0.96--
Wealth Management Group (WMG)
11.9511.5710.4610.2811.07
Total
90.6797.3495.7496.1789.44

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
73.1150.147.0436.8555.8726.98
Total Debt
44.0847.473.783.053.333.59
Net Cash (Debt)
-44.08-47.47-3.78-3.05-3.33-3.59
Net Cash Growth
------
Net Cash Per Share
-9.14-9.88-0.79-0.64-0.71-0.77

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
47.3645.529.8230.8835.0535.46
Capital Expenditures
-1.49-1.69-3.63-0.46-0.43-0.37
Free Cash Flow
45.8743.8126.1930.4234.6235.09
Free Cash Flow Growth
82.09%67.29%-13.91%-12.14%-1.35%19.83%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
37.77%21.99%30.91%32.90%38.36%37.75%
Profit Margin
28.67%16.66%24.32%26.11%29.93%29.54%
FCF Margin
0.00%48.32%26.91%31.77%36.00%39.24%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.3601.3201.2401.2401.2401.190
Dividend Per Share Growth
7.94%6.45%0%0%4.20%14.42%
Dividend Yield
1.67%2.36%3.16%2.48%2.69%2.44%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.7117.779.849.437.488.24
Forward PE
10.588.409.7111.057.7510.02
P/FCF Ratio
8.606.108.867.766.226.19
PS Ratio
3.372.952.382.462.242.43