Chemung Financial Corporation (CHMG)
NASDAQ: CHMG · Real-Time Price · USD
85.70
+0.26 (0.30%)
Oct 27, 2026, 11:49 AM EDT - Market open
Chemung Financial Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 130.25 | 120.38 | 112.13 | 97.23 | 68.05 | 58.86 |
Interest Income on Investments | 8.57 | 12.46 | 15.44 | 15.85 | 13.42 | 10.15 |
Total Interest Income | 138.81 | 132.84 | 127.56 | 113.07 | 81.48 | 69.01 |
Interest Paid on Deposits | 35.46 | 41.79 | 50.05 | 35.93 | 6.66 | 3.28 |
Interest Paid on Borrowings | 5.59 | 3.89 | 3.45 | 2.69 | 0.64 | 0.14 |
Total Interest Expense | 41.04 | 45.68 | 53.51 | 38.62 | 7.3 | 3.42 |
Net Interest Income | 97.77 | 87.16 | 74.06 | 74.46 | 74.18 | 65.59 |
Net Interest Income Growth | 17.61% | 17.69% | -0.53% | 0.38% | 13.10% | 4.24% |
Trust Income | 12.6 | 11.95 | 11.57 | 10.46 | 10.28 | 11.07 |
Gain (Loss) on Sale of Investments | 0.17 | -17.29 | 0.18 | 0.06 | -0.35 | 0.25 |
Other Non-Interest Income | 8.56 | 8.6 | 7.24 | 9.93 | 7.55 | 8.28 |
Total Non-Interest Income | 25.8 | 7.95 | 23.23 | 24.55 | 21.44 | 23.87 |
Non-Interest Income Growth | 252.12% | -65.80% | -5.37% | 14.52% | -10.20% | 13.00% |
Revenues Before Loan Losses | 123.58 | 95.1 | 97.29 | 99.01 | 95.62 | 89.46 |
Provision for Loan Losses | -0.3 | 4.44 | -0.05 | 3.26 | -0.55 | 0.02 |
| 123.88 | 90.67 | 97.34 | 95.74 | 96.17 | 89.44 | |
Revenue Growth | 43.03% | -6.85% | 1.66% | -0.44% | 7.52% | 12.08% |
Salaries and Employee Benefits | 38.79 | 37.54 | 34.37 | 32.37 | 29.99 | 28.23 |
Occupancy Expenses | 4.99 | 4.81 | 4.83 | 4.64 | 4.54 | 4.87 |
Federal Deposit Insurance | 1.21 | 1.52 | 2.12 | 2.13 | 1.36 | 1.41 |
Amortization of Goodwill & Intangibles | - | - | - | - | 0.02 | 0.24 |
Selling, General & Administrative | 18.8 | 18.17 | 17.55 | 16.94 | 16.02 | 14.6 |
Other Non-Interest Expense | 9.42 | 8.67 | 8.22 | 8.19 | 7.36 | 6.29 |
Total Non-Interest Expense | 73.25 | 70.73 | 67.25 | 64.24 | 59.28 | 55.68 |
EBT Excluding Unusual Items | 50.63 | 19.94 | 30.09 | 31.5 | 36.89 | 33.76 |
Pretax Income | 50.63 | 19.94 | 30.09 | 31.5 | 36.89 | 33.76 |
Income Tax Expense | 12.18 | 4.83 | 6.41 | 6.5 | 8.11 | 7.34 |
Net Income | 38.46 | 15.1 | 23.67 | 25 | 28.78 | 26.43 |
Net Income to Common | 38.46 | 15.1 | 23.67 | 25 | 28.78 | 26.43 |
Net Income Growth | 186.82% | -36.19% | -5.32% | -13.14% | 8.92% | 37.19% |
Basic Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 |
Diluted Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 |
Shares Change | 0.73% | 0.71% | 0.80% | 0.83% | 0.21% | -2.48% |
EPS (Basic) | 7.97 | 3.14 | 4.96 | 5.28 | 6.13 | 5.64 |
EPS (Diluted) | 7.97 | 3.14 | 4.96 | 5.28 | 6.13 | 5.64 |
EPS Growth | 184.74% | -36.64% | -6.07% | -13.86% | 8.69% | 40.72% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 1.380 | 1.320 | 1.240 | 1.240 | 1.240 | 1.190 |
Dividend Growth | 6.98% | 6.45% | 0% | 0% | 4.20% | 14.42% |
Effective Tax Rate | 24.05% | 24.24% | 21.32% | 20.64% | 21.97% | 21.73% |