Chemung Financia Financials
This page shows Chemung Financia (CHMG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Deleveraging strengthened Chemung Financial's capital base, but returns on assets and equity kept falling as revenue rose.
Across the last three years, equity expanded to$254.7M while debt-to-equity eased to 9.6x, showing a thicker capital cushion even without balance-sheet growth. But ROA fell to0.6% and ROE to5.9% , meaning the safer balance sheet is now producing a thinner profit yield on both assets and shareholder capital, and that matters more than revenue growth because assets, not sales, are the main earning base here.
Top-line growth to
Cash generation still ran ahead of accrual profit, with operating cash flow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Chemung Financia's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Chemung Financia's revenue grew a modest 4.1% year-over-year to $132.8M. This slow but positive growth earns a score of 47/100.
Chemung Financia has elevated debt relative to equity (D/E of 9.64), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Chemung Financia converts 33.0% of revenue into free cash flow ($43.8M). This strong cash generation earns a score of 95/100.
Chemung Financia's ROE of 5.9% shows moderate profitability relative to equity, earning a score of 31/100. This is down from 11.0% the prior year.
Chemung Financia passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Chemung Financia generates $3.01 in operating cash flow ($45.5M OCF vs $15.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Chemung Financia generated $132.8M in revenue in fiscal year 2025. This represents an increase of 4.1% from the prior year.
Chemung Financia reported $15.1M in net income in fiscal year 2025. This represents a decrease of 36.2% from the prior year.
Chemung Financia earned $3.14 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 36.7% from the prior year.
Cash & Balance Sheet
Chemung Financia generated $43.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 67.3% from the prior year.
Chemung Financia held $50.1M in cash against $0 in long-term debt as of fiscal year 2025.
Chemung Financia paid $1.32 per share in dividends in fiscal year 2025. This represents an increase of 6.5% from the prior year.
Margins & Returns
Chemung Financia's net profit margin was 11.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 7.2 percentage points from the prior year.
Chemung Financia's ROE was 5.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 5.1 percentage points from the prior year.
Capital Allocation
Chemung Financia spent $396K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 15.1% from the prior year.
Chemung Financia invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 53.5% from the prior year.
CHMG Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.6M-1.9% | $34.2M+1.0% | $33.9M+2.6% | $33.0M+4.2% | $31.7M-2.8% | $32.6M+0.7% | $32.4M+3.1% | $31.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $9.6M-7.0% | $10.3M+1.9% | $10.1M+5.6% | $9.6M+6.2% | $9.0M-5.4% | $9.5M+11.2% | $8.6M-1.2% | $8.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $10.0M-3.6% | $10.4M-7.3% | $11.2M-8.4% | $12.2M+2.9% | $11.9M-7.0% | $12.8M-8.6% | $14.0M+2.6% | $13.6M |
| Income Tax | $2.6M-18.8% | $3.3M+42.9% | $2.3M+196.4% | -$2.4M-241.8% | $1.7M+4.7% | $1.6M+5.0% | $1.5M+18.8% | $1.3M |
| Net Income | $9.2M+18.8% | $7.7M-0.7% | $7.8M+220.8% | -$6.5M-207.1% | $6.0M+1.8% | $5.9M+3.4% | $5.7M+14.7% | $5.0M |
| EPS (Diluted) | $1.91 | N/A | $1.62+220.0% | $-1.35-207.1% | $1.26 | N/A | $1.19+13.3% | $1.05 |
CHMG Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.7B+1.4% | $2.7B+0.5% | $2.7B-5.5% | $2.9B+2.0% | $2.8B+0.7% | $2.8B+0.1% | $2.8B+0.7% | $2.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $53.4M+6.5% | $50.1M-53.5% | $107.6M-66.4% | $320.1M+499.0% | $53.4M+13.6% | $47.0M-41.5% | $80.4M+14.6% | $70.2M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $21.8M0.0% | $21.8M0.0% | $21.8M0.0% | $21.8M0.0% | $21.8M0.0% | $21.8M0.0% | $21.8M0.0% | $21.8M |
| Total Liabilities | $2.5B+1.2% | $2.5B+0.2% | $2.5B-6.3% | $2.6B+1.9% | $2.6B+0.3% | $2.6B+0.3% | $2.6B0.0% | $2.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | $99.1M | N/A | N/A | N/A | N/A |
| Total Equity | $262.9M+3.2% | $254.7M+3.8% | $245.3M+4.4% | $235.0M+2.9% | $228.3M+6.0% | $215.3M-2.4% | $220.7M+9.7% | $201.2M |
| Retained Earnings | $264.0M+2.9% | $256.5M+2.4% | $250.4M+2.5% | $244.2M-3.2% | $252.2M+1.8% | $247.7M+1.8% | $243.3M+1.8% | $239.0M |
CHMG Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.0M-44.7% | $16.3M+33.4% | $12.2M+25.6% | $9.7M+35.7% | $7.2M+15.2% | $6.2M-31.9% | $9.2M+41.2% | $6.5M |
| Capital Expenditures | $133K-77.8% | $599K+49.8% | $400K+11.1% | $360K+9.8% | $328K-82.9% | $1.9M+216.1% | $607K-40.4% | $1.0M |
| Free Cash Flow | $8.9M-43.4% | $15.7M+32.9% | $11.8M+26.1% | $9.4M+37.0% | $6.9M+58.8% | $4.3M-49.5% | $8.6M+56.4% | $5.5M |
| Investing Cash Flow | -$35.8M+49.7% | -$71.2M-23.8% | -$57.5M-127.6% | $208.7M+1894.0% | -$11.6M+72.9% | -$42.9M-3455.8% | -$1.2M-128.5% | $4.2M |
| Financing Cash Flow | $30.1M+1227.0% | -$2.7M+98.4% | -$167.1M-446.9% | $48.2M+343.8% | $10.9M+234.7% | $3.2M+42.8% | $2.3M+106.4% | -$35.4M |
| Dividends Paid | $1.6M+0.6% | $1.6M0.0% | $1.6M+6.4% | $1.5M-0.1% | $1.5M+3.9% | $1.5M-50.0% | $2.9M+100.3% | $1.5M |
| Share Buybacks | $173K-41.4% | $295K+2581.8% | $11K+120.0% | $5K-94.1% | $85K-66.3% | $252K+2420.0% | $10K | $0 |
CHMG Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 27.4%+4.8pp | 22.6%-0.4pp | 23.0%+42.5pp | -19.5%-38.5pp | 19.0%+0.9pp | 18.1%+0.5pp | 17.7%+1.8pp | 15.9% |
| Return on Equity | 3.5%+0.5pp | 3.0%-0.1pp | 3.2%+5.9pp | -2.8%-5.4pp | 2.6%-0.1pp | 2.8%+0.2pp | 2.6%+0.1pp | 2.5% |
| Return on Assets | 0.3%+0.0pp | 0.3%0.0pp | 0.3%+0.5pp | -0.2%-0.5pp | 0.2%+0.0pp | 0.2%0.0pp | 0.2%+0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.45-0.2 | 9.64-0.4 | 9.99+9.6 | 0.42-10.8 | 11.25-0.6 | 11.89+0.3 | 11.57-1.1 | 12.70 |
| FCF Margin | 26.5%-19.5pp | 46.0%+11.0pp | 34.9%+6.5pp | 28.4%+6.8pp | 21.6%+8.4pp | 13.2%-13.2pp | 26.4%+9.0pp | 17.4% |
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Frequently Asked Questions
What is Chemung Financia's annual revenue?
Chemung Financia (CHMG) reported $132.8M in total revenue for fiscal year 2025. This represents a 4.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Chemung Financia's revenue growing?
Chemung Financia (CHMG) revenue grew by 4.1% year-over-year, from $127.6M to $132.8M in fiscal year 2025.
Is Chemung Financia profitable?
Yes, Chemung Financia (CHMG) reported a net income of $15.1M in fiscal year 2025, with a net profit margin of 11.4%.
What is Chemung Financia's net profit margin?
Chemung Financia (CHMG) had a net profit margin of 11.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Chemung Financia pay dividends?
Yes, Chemung Financia (CHMG) paid $1.32 per share in dividends during fiscal year 2025.
What is Chemung Financia's return on equity (ROE)?
Chemung Financia (CHMG) has a return on equity of 5.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Chemung Financia's free cash flow?
Chemung Financia (CHMG) generated $43.8M in free cash flow during fiscal year 2025. This represents a 67.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Chemung Financia's operating cash flow?
Chemung Financia (CHMG) generated $45.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Chemung Financia's total assets?
Chemung Financia (CHMG) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Chemung Financia's capital expenditures?
Chemung Financia (CHMG) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Chemung Financia's debt-to-equity ratio?
Chemung Financia (CHMG) had a debt-to-equity ratio of 9.64 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Chemung Financia's return on assets (ROA)?
Chemung Financia (CHMG) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Chemung Financia's Piotroski F-Score?
Chemung Financia (CHMG) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Chemung Financia's earnings high quality?
Chemung Financia (CHMG) has an earnings quality ratio of 3.01x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Chemung Financia?
Chemung Financia (CHMG) scores 29 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.