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Chemung Financial Corporation (CHMG)
NASDAQ: CHMG · Real-Time Price · USD
82.58
-0.10 (-0.12%)
At close: Aug 24, 2026, 4:00 PM EDT
82.58
0.00 (0.00%)
After-hours: Aug 24, 2026, 4:10 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
41.59%-6.85%1.66%-0.44%7.52%12.08%
Net Income
33.315.123.672528.7826.43
Earnings Per Share
6.913.144.965.286.135.64
EPS Growth
190.70%-36.64%-6.07%-13.86%8.69%40.72%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Core Banking
106.679.5484.784.2284.9177.29
Holding Company and Cfs Group, Inc. (CFS)
-2-0.811.07---
Wealth Management Group (WMG)
12.4211.9511.5710.4610.2811.07
Inter-segment Eliminations
-0.01-0.01-0.01-0.96--
Total
117.0190.6797.3495.7496.1789.44

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
90.6665.7869.2659.1982.4528.68
Total Debt
159.99156.93142.3764.78132.5244.77
Net Cash (Debt)
-69.33-91.15-73.11-5.59-50.07-16.08
Net Cash Growth
------
Net Cash Per Share
-14.38-18.97-15.33-1.18-10.67-3.43

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
46.8545.529.8230.8835.0535.46
Capital Expenditures
-1.46-1.69-3.63-0.46-0.43-0.37
Free Cash Flow
45.3943.8126.1930.4234.6235.09
Free Cash Flow Growth
55.96%67.29%-13.91%-12.14%-1.35%26.27%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
28.46%16.66%24.32%26.11%29.93%29.54%
FCF Margin
38.79%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
6.98%6.45%0%0%4.20%14.42%
Dividend Yield
1.65%2.39%2.64%2.66%2.97%2.89%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.9517.719.819.417.468.20
Forward PE
10.728.409.7111.057.7510.02
P/FCF Ratio
8.776.118.877.736.206.17
PS Ratio
3.402.952.392.462.232.42