20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Chemung Financial Corp (CHMG) operates in the BANKS - REGIONAL industry and is headquartered in Elmira, United States with about 348 employees. Its market capitalization is roughly $416 million. In the fiscal year ended 2025-12-31, CHMG reported $140M in revenue and $15M in net income.
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $139M | $140M | $150M | $113M | $102M | $92M | $87M | $86M | $87M | $80M | $77M | $74M | $79M | $67M | $68M | $68M | $62M | $62M | $63M | $61M | $54M |
| Gross Profit | $94M | $90M | $96M | $113M | $95M | $88M | $79M | $74M | $80M | $68M | $70M | $69M | $72M | $61M | $62M | $60M | $53M | $49M | $47M | $41M | $39M |
| Gross Margin % | 67.5% | 64.2% | 64.3% | 100.0% | 93.4% | 96.3% | 90.5% | 85.8% | 91.7% | 84.9% | 91.8% | 93.0% | 90.4% | 89.9% | 91.1% | 88.6% | 85.0% | 77.9% | 74.4% | 68.3% | 71.8% |
| Operating Income (EBIT) | $21M | $20M | $30M | $32M | $37M | $34M | $24M | $19M | $24M | $15M | $14M | $14M | $12M | $13M | $16M | $16M | $15M | $7M | $12M | $11M | $9M |
| Operating Margin % | 15.2% | 14.2% | 20.1% | 27.9% | 36.2% | 36.8% | 27.5% | 22.1% | 27.2% | 18.4% | 18.8% | 19.0% | 15.0% | 18.6% | 24.0% | 23.0% | 24.4% | 11.4% | 19.6% | 17.8% | 17.1% |
| Net Income | $34M | $15M | $24M | $25M | $29M | $26M | $19M | $16M | $20M | $7M | $10M | $9M | $8M | $9M | $11M | $11M | $10M | $5M | $8M | $7M | $7M |
| Net Margin % | 24.2% | 10.8% | 15.8% | 22.1% | 28.2% | 28.8% | 22.2% | 18.1% | 22.6% | 9.3% | 13.1% | 12.8% | 10.3% | 12.9% | 16.1% | 15.6% | 16.2% | 8.4% | 13.2% | 12.0% | 12.2% |
| EBITDA | $23M | $23M | $32M | $32M | $40M | $37M | $28M | $23M | $28M | $19M | $20M | $19M | $17M | $17M | $20M | $19M | $19M | $11M | $16M | $14M | $12M |
| Earnings Per Share (EPS) | $6.96 | $3.14 | $4.96 | $5.28 | $6.13 | $5.64 | $4.01 | $3.21 | $4.06 | $1.55 | $2.11 | $2.00 | $1.74 | $1.87 | $2.37 | $2.40 | $2.80 | $1.45 | $2.32 | $2.02 | $1.81 |
| Shares Outstanding (M) | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 4M | 4M | 4M | 4M | 4M | 4M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $18M | $40M | $41M | $40M | $22M | $37M | $38M | $38M |
| Gross Profit | $7M | $29M | $29M | $27M | $9M | $24M | $25M | $23M |
| Gross Margin % | 41.3% | 73.4% | 71.9% | 69.1% | 39.3% | 65.2% | 65.2% | 61.7% |
| Operating Income (EBIT) | ($12M) | $12M | $11M | $10M | ($9M) | $8M | $8M | $7M |
| Operating Margin % | -65.5% | 29.7% | 26.9% | 25.4% | -40.0% | 20.6% | 19.6% | 19.1% |
| Net Income | $9M | $9M | $8M | $8M | ($6M) | $6M | $6M | $6M |
| Net Margin % | 48.8% | 23.1% | 18.9% | 19.6% | -29.3% | 16.1% | 15.4% | 15.1% |
| EBITDA | ($12M) | $13M | $12M | $11M | ($8M) | $8M | $8M | $8M |
| Earnings Per Share (EPS) | $1.82 | $1.91 | $1.61 | $1.62 | $-1.34 | $1.26 | $1.24 | $1.20 |
| Shares Outstanding (M) | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $47M | $45M | $30M | $31M | $35M | $35M | $29M | $26M | $28M | $24M | $22M | $14M | $18M | $23M | $25M | $9M | $18M | $9M | $18M | $15M | $10M |
| Capital Expenditures (CapEx) | $1M | $2M | $4M | $0M | $0M | $0M | $1M | $1M | $2M | $1M | $2M | $1M | $3M | $4M | $4M | $3M | $2M | $2M | $4M | $4M | $6M |
| Free Cash Flow (FCF) | $45M | $44M | $26M | $30M | $35M | $35M | $28M | $26M | $26M | $22M | $20M | $13M | $16M | $19M | $21M | $7M | $16M | $7M | $14M | $11M | $5M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $7M | $6M | $7M | $6M | $6M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $4M | $6M | $4M | $4M | $4M | $4M | $3M | $3M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $9M | $9M | $16M | $12M | $10M | $7M | $6M | $9M |
| Capital Expenditures (CapEx) | $0M | $0M | $1M | $0M | $0M | $0M | $2M | $1M |
| Free Cash Flow (FCF) | $9M | $9M | $16M | $12M | $9M | $7M | $4M | $9M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $3M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.8B | $2.7B | $2.8B | $2.7B | $2.6B | $2.4B | $2.3B | $1.8B | $1.8B | $1.7B | $1.7B | $1.6B | $1.5B | $1.5B | $1.2B | $1.2B | $958M | $976M | $838M | $789M | $738M |
| Cash & Cash Equivalents | $73M | $23M | $47M | $37M | $56M | $27M | $109M | $122M | $130M | $31M | $74M | $26M | $29M | $52M | $40M | $53M | $61M | $80M | $24M | $29M | $27M |
| Total Liabilities | $2.5B | $2.5B | $2.6B | $2.5B | $2.5B | $2.2B | $2.1B | $1.6B | $1.6B | $1.6B | $1.5B | $1.5B | $1.4B | $1.3B | $1.1B | $1.1B | $861M | $886M | $755M | $701M | $656M |
| Total Debt (Short + Long-Term) | $134M | $44M | $109M | $32M | $195M | $33M | $5M | $5M | $5M | $74M | $39M | $64M | $83M | $72M | $78M | $92M | $90M | $112M | $131M | $126M | $43M |
| Total Shareholders' Equity | $270M | $255M | $215M | $195M | $166M | $211M | $200M | $183M | $165M | $150M | $144M | $137M | $134M | $139M | $131M | $126M | $97M | $90M | $83M | $88M | $82M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CHMG viewer.
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