What is Chemung Financial Corp's earnings per share (EPS)?

Chemung Financial Corp (CHMG) reported diluted earnings per share of $3.14 for fiscal year 2025. This represents a -36.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Chemung Financial Corp (CHMG) Financials

CHMG

Trailing 12 months to June 30, 2026

Revenue $120.4M +40.0% YoY

Net Income $33.5M +199.3% YoY

EPS (Diluted) $6.96 +197.4% YoY

Free Cash Flow $45.4M +56.0% YoY

Market Cap $387.5M as of Oct 13, 2026

Price / Sales 3.2x on $120.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.6x on $33.5M net income, trailing 12 months to June 30, 2026

Price / Book 1.4x on $270.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CHMG SEC filings page.

Chemung Financial Corp (CHMG) reported $120.4M in revenue over the twelve months to Jun 30, 2026, up 40.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CHMG FY2025 2026-10-04

Chemung's 2025 figures show a balance-sheet repair story: earnings weakened sharply while leverage fell and cash generation improved.

The unusual split is between accounting earnings and reported cash: net income fell 36.2% from FY2024, while operating cash flow rose 52.6%. Free cash flow rose 67.3% and capital spending equaled just 1.8% of revenue, so cash generation did not mirror profitability; modest reinvestment kept free cash flow close to operating cash flow.

Reported debt-to-equity fell from 11.9x to 9.6x in FY2025. Equity rose 18.3% while liabilities fell 4.1%, so the improvement reflects both a larger capital base and fewer reported obligations.

Earnings efficiency deteriorated faster than the top line: revenue declined 3.9% from FY2023 to FY2025, but net income declined 39.6%. ROA fell from 0.9% to 0.6%; that decline occurred despite interest expense falling 14.6%, so lower funding cost alone did not restore profitability.

Financial Health Signals

Financial Health Score 26/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Chemung Financial Corp'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.

Earnings

Chemung Financial Corp earned a return on assets of 0.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.9% the prior year. Earnings ranks banks on that return over three years, and Chemung Financial Corp scores 36/100 among other banks.

Growth

Chemung Financial Corp reported revenue of $95.1M in fiscal year 2025, against $97.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Chemung Financial Corp scores 12/100 among other banks.

Capital

Chemung Financial Corp funded 9.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $254.7M of equity against $2.7B of assets. Capital ranks banks on that cushion, and Chemung Financial Corp scores 22/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Chemung Financial Corp scores 27/100 on it among other banks.

Credit Quality

Not available for Chemung Financial Corp, and counted as zero in the overall score.

Stability

Chemung Financial Corp reported net income of $15.1M in fiscal year 2025, against $23.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Chemung Financial Corp scores 60/100 among other banks.

Piotroski F-Score Partial

4/6

Chemung Financial Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

3.01x

For every $1 of reported earnings, Chemung Financial Corp 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

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Earnings & Revenue

Revenue

$31.2M

YoY+208.6%

QoQ+4.2%

5Y CAGR+6.7%

10Y CAGR+5.5%

Chemung Financial Corp generated $31.2M in revenue in Q2 2026. This represents an increase of 208.6% from the same quarter a year earlier. Against the prior quarter it is up 4.2%.

Net Income

$8.8M

YoY+236.5%

QoQ-4.2%

5Y CAGR+5.3%

10Y CAGR+18.4%

Chemung Financial Corp reported $8.8M in net income in Q2 2026. This represents an increase of 236.5% from the same quarter a year earlier. Against the prior quarter it is down 4.2%.

EPS (Diluted)

$1.82

YoY+234.8%

QoQ-4.7%

5Y CAGR+4.7%

Chemung Financial Corp earned $1.82 per diluted share (EPS) in Q2 2026. This represents an increase of 234.8% from the same quarter a year earlier. Against the prior quarter it is down 4.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$8.9M

YoY-5.1%

QoQ+0.1%

5Y CAGR-0.3%

10Y CAGR+5.3%

Chemung Financial Corp generated $8.9M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 5.1% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Cash & Debt

$73.1M

YoY-77.2%

QoQ+37.0%

5Y CAGR+5.2%

10Y CAGR-3.8%

Chemung Financial Corp held $73.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.34

YoY+6.3%

QoQ0.0%

5Y CAGR+1.9%

Chemung Financial Corp paid $0.34 per share in dividends in Q2 2026. This represents an increase of 6.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.6%

QoQ0.0%

5Y CAGR+0.7%

10Y CAGR+0.3%

Chemung Financial Corp had 5M shares outstanding in Q2 2026. This represents an increase of 0.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

28.3%

YoY+92.1pp

QoQ-2.5pp

5Y change-1.8pp

10Y change+19.4pp

Chemung Financial Corp's net profit margin was 28.3% in Q2 2026, showing the share of revenue converted to profit. This is up 92.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.5 percentage points.

Return on Equity

3.3%

YoY+6.0pp

QoQ-0.2pp

5Y change-0.1pp

10Y change+2.1pp

Chemung Financial Corp's ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 6.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$11K

YoY+120.0%

QoQ-93.6%

5Y CAGR-46.2%

Chemung Financial Corp spent $11K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 120.0% from the same quarter a year earlier. Against the prior quarter it is down 93.6%.

Capital Expenditures

$323K

YoY-10.3%

QoQ+142.9%

5Y CAGR+13.2%

10Y CAGR+0.4%

Chemung Financial Corp invested $323K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 10.3% from the same quarter a year earlier. Against the prior quarter it is up 142.9%.

R&D Spending

Not reported for Q2 2026.

CHMG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CHMG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$120.4M	$95.1M-2.2%	$97.3M-1.7%	$99.0M+3.5%	$95.6M+6.9%	$89.5M+6.4%	$84.0M+4.2%	$80.7M-3.4%	$83.6M+7.8%	$77.5M+5.4%	$73.5M+3.4%	$71.1M-6.9%	$76.3M+18.0%	$64.7M+1.1%	$64.0M+4.3%	$61.4M
SG&A Expenses	$40.2M	$39.0M+9.5%	$35.6M+6.3%	$33.5M-43.4%	$59.3M+6.5%	$55.7M-0.5%	$55.9M+0.4%	$55.7M-1.9%	$56.8M+5.6%	$53.8M-5.0%	$56.6M+2.1%	$55.4M-8.4%	$60.5M+22.4%	$49.4M+5.6%	$46.8M+4.3%	$44.8M
Interest Expense	$41.8M	$45.7M-14.6%	$53.5M+38.6%	$38.6M+429.3%	$7.3M+113.4%	$3.4M-14.3%	$4.0M-36.9%	$6.3M+55.2%	$4.1M+32.8%	$3.1M-20.1%	$3.8M+6.6%	$3.6M-1.2%	$3.6M-9.6%	$4.0M-23.0%	$5.2M-22.3%	$6.7M
Income Tax	$10.7M	$4.8M-24.7%	$6.4M-1.3%	$6.5M-19.8%	$8.1M+10.5%	$7.3M+59.2%	$4.6M+34.2%	$3.4M-14.3%	$4.0M-44.8%	$7.3M+64.9%	$4.4M-5.5%	$4.7M+25.6%	$3.7M-3.0%	$3.8M-29.0%	$5.4M+7.0%	$5.0M
Net Income	$33.5M	$15.1M-36.2%	$23.7M-5.3%	$25.0M-13.1%	$28.8M+8.9%	$26.4M+37.2%	$19.3M+23.4%	$15.6M-20.5%	$19.6M+164.1%	$7.4M-25.9%	$10.0M+6.3%	$9.4M+15.6%	$8.2M-6.6%	$8.7M-20.8%	$11.0M+4.6%	$10.5M
EPS (Basic)	N/A	$3.14-36.7%	$4.96-6.1%	$5.28-13.9%	$6.13+8.7%	$5.64+40.6%	$4.01	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$2.38-0.8%	$2.40
EPS (Diluted)	$6.96	$3.14-36.7%	$4.96-6.1%	$5.28-13.9%	$6.13+8.7%	$5.64+40.6%	$4.01	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	5M+0.7%	5M+0.8%	5M+0.8%	5M+0.2%	5M-2.5%	5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$31.2M+208.6%	$29.9M+16.3%	$30.5M+17.9%	$28.8M+18.4%	$10.1M-56.7%	$25.7M+8.3%	$25.9M+8.9%	$24.3M-5.9%
SG&A Expenses	$10.2M+6.3%	$9.6M+6.2%	$10.3M+8.1%	$10.1M+18.0%	$9.6M+10.5%	$9.0M+1.7%	$9.5M+168.6%	$8.6M-45.3%
Interest Expense	$10.2M-16.4%	$10.0M-15.8%	$10.4M-18.8%	$11.2M-19.9%	$12.2M-10.3%	$11.9M-9.5%	$12.8M+5.3%	$14.0M+27.1%
Income Tax	$2.5M+205.2%	$2.6M+58.8%	$3.3M+104.7%	$2.3M+50.4%	-$2.4M-285.2%	$1.7M-18.4%	$1.6M+88.9%	$1.5M-26.6%
Net Income	$8.8M+236.5%	$9.2M+52.7%	$7.7M+30.9%	$7.8M+36.2%	-$6.5M-229.4%	$6.0M-14.6%	$5.9M+55.5%	$5.7M-25.2%
EPS (Basic)	$1.82+234.8%	$1.91+51.6%	$1.61+29.8%	$1.62+36.1%	-$1.35-228.6%	$1.26-14.9%	$1.24+55.0%	$1.19-26.1%
EPS (Diluted)	$1.82+234.8%	$1.91+51.6%	$1.61+29.8%	$1.62+36.1%	-$1.35-228.6%	$1.26-14.9%	$1.24+55.0%	$1.19-26.1%
Diluted Shares (Avg)	5M+0.6%	5M+0.7%	N/A	5M+0.8%	5M+0.8%	5M+0.6%	N/A	5M+0.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CHMG Balance Sheet

CHMG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.7B-2.4%	$2.8B+2.4%	$2.7B+2.5%	$2.6B+9.4%	$2.4B+6.1%	$2.3B+27.5%	$1.8B+1.9%	$1.8B+2.8%	$1.7B+3.0%	$1.7B+2.3%	$1.6B+6.3%	$1.5B+3.3%	$1.5B+18.3%	$1.2B+2.6%	$1.2B
Cash & Equivalents	$50.1M+6.5%	$47.0M+27.6%	$36.8M-34.0%	$55.9M+107.1%	$27.0M-75.1%	$108.5M-11.0%	$121.9M-6.2%	$130.0M+323.0%	$30.7M-58.6%	$74.2M+183.2%	$26.2M-10.2%	$29.2M-43.5%	$51.6M+28.2%	$40.2M-23.9%	$52.9M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M-0.7%	$22.0M
Total Liabilities	$2.5B-4.1%	$2.6B+1.8%	$2.5B+1.5%	$2.5B+12.3%	$2.2B+6.1%	$2.1B+29.6%	$1.6B+0.9%	$1.6B+2.1%	$1.6B+2.9%	$1.5B+2.1%	$1.5B+6.6%	$1.4B+4.0%	$1.3B+19.7%	$1.1B+2.5%	$1.1B
Total Equity	$254.7M+18.3%	$215.3M+10.3%	$195.2M+17.3%	$166.4M-21.3%	$211.5M+5.9%	$199.7M+9.3%	$182.6M+10.7%	$165.0M+10.2%	$149.8M+4.2%	$143.7M+4.7%	$137.2M+2.7%	$133.6M-3.6%	$138.6M+5.7%	$131.1M+4.1%	$125.9M
Retained Earnings	$256.5M+3.5%	$247.7M+7.7%	$229.9M+8.5%	$211.9M+12.2%	$188.9M+12.4%	$168.0M+9.3%	$153.7M+7.4%	$143.1M+11.4%	$128.5M+3.5%	$124.1M+4.3%	$119.0M+4.0%	$114.4M+3.0%	$111.0M+3.7%	$107.1M+6.4%	$100.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.8B-1.1%	$2.7B-1.7%	$2.7B-2.4%	$2.7B-2.8%	$2.9B+3.5%	$2.8B+0.4%	$2.8B+2.4%	$2.8B+2.5%
Cash & Equivalents	$73.1M-77.2%	$53.4M-0.1%	$50.1M+6.5%	$107.6M+33.8%	$320.1M+355.8%	$53.4M-43.7%	$47.0M+27.6%	$80.4M+6.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%	$21.8M0.0%
Total Liabilities	$2.5B-2.6%	$2.5B-3.2%	$2.5B-4.1%	$2.5B-4.0%	$2.6B+2.5%	$2.6B-0.7%	$2.6B+1.8%	$2.6B+0.6%
Long-Term Debt	N/A	N/A	N/A	N/A	$99.1M	N/A	N/A	N/A
Total Equity	$270.4M+15.1%	$262.9M+15.2%	$254.7M+18.3%	$245.3M+11.2%	$235.0M+16.8%	$228.3M+15.8%	$215.3M+10.3%	$220.7M+29.7%
Retained Earnings	$271.2M+11.1%	$264.0M+4.7%	$256.5M+3.5%	$250.4M+2.9%	$244.2M+2.2%	$252.2M+7.1%	$247.7M+7.7%	$243.3M+6.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CHMG Cash Flow Statement

CHMG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$46.8M	$45.5M+52.6%	$29.8M-3.5%	$30.9M-11.9%	$35.0M-1.2%	$35.5M+23.7%	$28.7M+8.5%	$26.4M-4.9%	$27.8M+17.5%	$23.6M+6.8%	$22.1M+56.8%	$14.1M-23.4%	$18.4M-19.7%	$23.0M-6.5%	$24.6M+167.9%	$9.2M
Depreciation & Amortization	N/A	$1.9M+4.5%	$1.8M-9.3%	$2.0M-10.7%	$2.2M-18.3%	$2.7M-19.3%	$3.4M-8.6%	$3.7M-10.8%	$4.2M-8.6%	$4.6M-12.1%	$5.2M+0.2%	$5.2M+0.2%	$5.2M+24.4%	$4.2M+4.1%	$4.0M+2.3%	$3.9M
Capital Expenditures	$1.5M	$1.7M-53.5%	$3.6M+684.8%	$462K+8.5%	$426K+16.1%	$367K-57.7%	$867K-1.8%	$883K-50.1%	$1.8M+19.4%	$1.5M-12.6%	$1.7M+47.0%	$1.2M-55.4%	$2.6M-30.3%	$3.7M+1.2%	$3.7M+43.7%	$2.6M
Free Cash Flow	$45.4M	$43.8M+67.3%	$26.2M-13.9%	$30.4M-12.1%	$34.6M-1.3%	$35.1M+26.3%	$27.8M+8.9%	$25.5M-1.8%	$26.0M+17.3%	$22.2M+8.4%	$20.4M+57.6%	$13.0M-18.2%	$15.9M-17.7%	$19.3M-7.8%	$20.9M+215.8%	$6.6M
Investing Cash Flow	-$216.4M	$68.3M+218.4%	-$57.7M+29.9%	-$82.4M+67.4%	-$252.6M-4.2%	-$242.5M+51.1%	-$495.8M-1415.8%	-$32.7M-174.5%	$43.9M+141.2%	-$106.6M-14528.5%	-$729K	N/A	N/A	-$46.5M+18.2%	-$56.9M-1022.9%	-$5.1M
Financing Cash Flow	-$77.4M	-$110.8M-390.7%	$38.1M+17.3%	$32.5M-86.8%	$246.5M+96.4%	$125.5M-72.4%	$453.8M+25856.1%	-$1.8M-106.4%	$27.6M-30.4%	$39.6M+48.9%	$26.6M	N/A	N/A	$34.9M+77.7%	$19.6M+266.1%	-$11.8M
Dividends Paid	$6.5M	$6.3M-14.1%	$7.4M+26.1%	$5.8M+0.7%	$5.8M+9.0%	$5.3M+6.2%	$5.0M-0.5%	$5.0M+1.2%	$5.0M+1.1%	$4.9M+0.8%	$4.9M+0.9%	$4.8M+0.8%	$4.8M+33.8%	$3.6M-37.3%	$5.7M+40.9%	$4.1M
Share Buybacks	$490K	$396K+15.1%	$344K+8.9%	$316K-66.1%	$933K-42.3%	$1.6M-78.7%	$7.6M	$0	$0	N/A	N/A	$0	$0-100.0%	$93K-85.4%	$636K+26.9%	$501K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$9.2M-5.2%	$9.0M+25.9%	$16.3M+162.0%	$12.2M+33.7%	$9.7M+50.2%	$7.2M-9.5%	$6.2M+72.2%	$9.2M-2.5%
Depreciation & Amortization	$486K+2.5%	$484K+3.6%	$493K+8.4%	$461K+9.0%	$474K+0.6%	$467K+0.4%	$455K-2.8%	$423K-10.6%
Capital Expenditures	$323K-10.3%	$133K-59.5%	$599K-68.8%	$400K-34.1%	$360K-64.7%	$328K+304.9%	$1.9M+63866.7%	$607K+4569.2%
Free Cash Flow	$8.9M-5.1%	$8.9M+30.0%	$15.7M+264.6%	$11.8M+38.5%	$9.4M+71.6%	$6.9M-12.7%	$4.3M+19.3%	$8.6M-8.9%
Investing Cash Flow	-$51.8M-124.8%	-$35.8M-208.1%	-$71.2M-66.1%	-$57.5M-4670.7%	$208.7M+4831.5%	-$11.6M+34.9%	-$42.9M-50.3%	-$1.2M+93.7%
Financing Cash Flow	$62.3M+29.3%	$30.1M+177.2%	-$2.7M-182.3%	-$167.1M-7458.4%	$48.2M+236.2%	$10.9M-84.0%	$3.2M+123.5%	$2.3M-92.7%
Dividends Paid	$1.6M+6.9%	$1.6M+6.9%	$1.6M+10.5%	$1.6M-44.7%	$1.5M+4.1%	$1.5M+4.3%	$1.5M+0.8%	$2.9M+101.5%
Share Buybacks	$11K+120.0%	$173K+103.5%	$295K+17.1%	$11K+10.0%	$5K	$85K+3.7%	$252K+15.6%	$10K

Not reported in any period shown, so not listed: Stock-Based Compensation.

CHMG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CHMG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	15.9%-8.4pp	24.3%-0.9pp	25.3%-4.8pp	30.1%+0.6pp	29.5%+6.6pp	22.9%+3.6pp	19.4%-4.1pp	23.5%+13.9pp	9.6%-4.1pp	13.7%+0.4pp	13.3%+2.6pp	10.7%-2.8pp	13.5%-3.7pp	17.2%0.0pp	17.2%
Return on Equity	5.9%-5.1pp	11.0%-1.8pp	12.8%-4.5pp	17.3%+4.8pp	12.5%+2.8pp	9.7%+1.1pp	8.6%-3.3pp	11.9%+6.9pp	5.0%-2.0pp	7.0%+0.1pp	6.9%+0.8pp	6.1%-0.2pp	6.3%-2.1pp	8.4%0.0pp	8.4%
Return on Assets	0.6%-0.3pp	0.9%-0.1pp	0.9%-0.2pp	1.1%0.0pp	1.1%+0.2pp	0.9%0.0pp	0.9%-0.3pp	1.1%+0.7pp	0.4%-0.2pp	0.6%0.0pp	0.6%0.0pp	0.5%0.0pp	0.6%-0.3pp	0.9%0.0pp	0.9%
Debt-to-Equity	9.64-2.3x	11.89-1.0x	12.88-2.0x	14.90+4.5x	10.440.0x	10.41+1.6x	8.79-0.8x	9.64-0.8x	10.40-0.1x	10.53-0.3x	10.80+0.4x	10.41+0.8x	9.65+1.1x	8.52-0.1x	8.66
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.05
FCF Margin	46.1%+19.1pp	26.9%-3.8pp	30.7%-5.5pp	36.2%-3.0pp	39.2%+6.2pp	33.1%+1.4pp	31.6%+0.5pp	31.1%+2.5pp	28.6%+0.8pp	27.8%+9.6pp	18.2%-2.5pp	20.8%-9.0pp	29.8%-2.9pp	32.6%+21.8pp	10.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.3%+92.1pp	30.8%+7.3pp	25.4%+2.5pp	27.1%+3.5pp	-63.9%-85.2pp	23.4%-6.3pp	22.9%+6.9pp	23.5%-6.1pp
Return on Equity	3.3%+6.0pp	3.5%+0.9pp	3.0%+0.3pp	3.2%+0.6pp	-2.8%-5.2pp	2.6%-0.9pp	2.8%+0.8pp	2.6%-1.9pp
Return on Assets	0.3%+0.5pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	-0.2%-0.4pp	0.2%0.0pp	0.2%+0.1pp	0.2%-0.1pp
Debt-to-Equity	9.43+9.0x	9.45-1.8x	9.64-2.3x	9.99-1.6x	0.42-12.3x	11.25-1.9x	11.89-1.0x	11.57-3.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.000.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	28.6%-64.3pp	29.8%+3.1pp	51.6%+34.9pp	41.1%+6.0pp	92.9%+69.5pp	26.7%-6.4pp	16.7%+1.5pp	35.2%-1.2pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Chemung Financial Corp CHMG	FY2025	$95.1M	$15.1M	15.9%	$387.5M	26/100
Waterstone Financial, Inc. WSBF	FY2025	$141.9M	$26.4M	18.6%	$354.3M	47/100
Norwood Financial Corp NWFL	FY2025	$87.9M	$27.8M	31.6%	$370.1M	32/100
Fidelity D & D Bancorp, Inc. FDBC	FY2025	$93.2M	$28.2M	30.3%	$326.1M	40/100
Parke Bancorp Inc. PKBK	FY2025	$79.9M	$37.8M	47.3%	$382.1M	73/100
FinWise Bancorp FINW	FY2025	$130.7M	$16.1M	12.3%	$152.0M	64/100

Where Chemung Financial Corp Ranks

Frequently Asked Questions

What is Chemung Financial Corp's annual revenue?

Chemung Financial Corp (CHMG) reported $95.1M in total revenue for fiscal year 2025. This represents a -2.2% 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 Financial Corp's revenue growing?

Chemung Financial Corp (CHMG) revenue declined by 2.2% year-over-year, from $97.3M to $95.1M in fiscal year 2025.

Is Chemung Financial Corp profitable?

Yes, Chemung Financial Corp (CHMG) reported a net income of $15.1M in fiscal year 2025, with a net profit margin of 15.9%.

What is Chemung Financial Corp's net profit margin?

Chemung Financial Corp (CHMG) had a net profit margin of 15.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Chemung Financial Corp pay dividends?

Yes, Chemung Financial Corp (CHMG) paid $1.32 per share in dividends during fiscal year 2025.

What is Chemung Financial Corp's return on equity (ROE)?

Chemung Financial Corp (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 Financial Corp's free cash flow?

Chemung Financial Corp (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 Financial Corp's operating cash flow?

Chemung Financial Corp (CHMG) generated $45.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Chemung Financial Corp's total assets?

Chemung Financial Corp (CHMG) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Chemung Financial Corp's capital expenditures?

Chemung Financial Corp (CHMG) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Chemung Financial Corp buy back shares?

Yes, Chemung Financial Corp (CHMG) spent $396K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Chemung Financial Corp have outstanding?

Chemung Financial Corp (CHMG) had 5M shares outstanding as of fiscal year 2025.

What is Chemung Financial Corp's debt-to-equity ratio?

Chemung Financial Corp (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 Financial Corp's return on assets (ROA)?

Chemung Financial Corp (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 Financial Corp's P/E ratio?

Chemung Financial Corp (CHMG) trades at 11.6x earnings, its market capitalization divided by net income of $33.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $387.5M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Chemung Financial Corp's price-to-sales ratio?

Chemung Financial Corp (CHMG) trades at 3.2x sales, its market capitalization divided by revenue of $120.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $387.5M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Chemung Financial Corp's Piotroski F-Score?

Chemung Financial Corp (CHMG) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Financial Corp's earnings high quality?

Chemung Financial Corp (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 Financial Corp?

Chemung Financial Corp (CHMG) scores 26 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.