Chemung Financial Corporation (CHMG)

Chemung Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	90.92	87.16	74.06	74.46	74.18	65.59
Net Interest Income Growth	19.97%	17.69%	-0.53%	0.38%	13.10%	4.24%
Non-Interest Income	8.38	7.95	23.23	24.55	21.44	23.87
Non-Interest Income Growth	-64.30%	-65.80%	-5.37%	14.52%	-10.20%	13.00%
Revenues Before Loan Losses	99.3	95.1	97.29	99.01	95.62	89.46
Provision for Credit Losses	3.95	4.44	-0.05	3.26	-0.55	0.02
Revenue	95.35	90.67	97.34	95.74	96.17	89.44
Revenue Growth (YoY)	-0.84%	-6.85%	1.66%	-0.44%	7.52%	12.08%
Compensation Expenses	39.57	39	35.63	33.52	31.07	28.92
Selling, General & Admin	22.9	23.03	23.24	22.55	20.83	20.19
Other Non-Interest Expenses	8.8	8.69	8.38	8.17	7.37	6.57
Total Non-Interest Expense	71.26	70.73	67.25	64.24	59.28	55.68
Pretax Income	24.09	19.94	30.09	31.5	36.89	33.76
Provision for Income Taxes	5.81	4.83	6.41	6.5	8.11	7.34
Net Income	18.28	15.1	23.67	25	28.78	26.43
Net Income to Common	18.28	15.1	23.67	25	28.78	26.43
Net Income Growth	-19.27%	-36.19%	-5.32%	-13.14%	8.92%	37.19%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	1.10%	0.71%	0.80%	0.83%	0.21%	-2.48%
EPS (Basic)	3.79	3.14	4.96	5.28	6.13	5.64
EPS (Diluted)	3.79	3.14	4.96	5.28	6.13	5.64
EPS Growth	-20.04%	-36.69%	-6.06%	-13.87%	8.69%	40.65%
Shares Outstanding	4.82	4.79	4.75	4.74	4.69	4.67
Free Cash Flow	-	43.81	26.19	30.42	34.62	35.09
Free Cash Flow Growth	-	67.29%	-13.91%	-12.14%	-1.35%	19.83%
Free Cash Flow Per Share	-	9.12	5.49	6.43	7.38	7.49
Dividends Per Share	1.340	1.320	1.240	1.240	1.240	1.190
Dividend Growth	1.52%	6.45%	-	-	4.20%	14.42%
Profit Margin	19.17%	16.66%	24.32%	26.11%	29.93%	29.54%
FCF Margin	-	48.32%	26.91%	31.77%	36.00%	39.24%
EBITDA	-	2.67	2.02	2.8	3.03	3.5
EBITDA Margin	-	2.94%	2.07%	2.93%	3.15%	3.92%
Effective Tax Rate	24.12%	24.24%	21.32%	20.64%	21.97%	21.73%

Updated Apr 17, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q