Chemung Financial Corporation

Chemung Financial Corporation

CHMGยทNASDAQ

$67.52

-2.5%
Financial ServicesBanks - Regional

Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

At a Glance

Live Snapshot
Market Cap$325.43M
EPS3.1300
P/E Ratio21.57
Earnings Date07/16/2026
3Y+2.0%
5Y+19.0%
10Y+64.0%
3Y-1.0%
5Y+18.0%
10Y+62.0%
3Y+53.0%
5Y+28.0%
10Y+77.0%
chmg

Chemung Financial Corporation Funding & Solvency Profile

CHMG ยท NASDAQ
Cash & Cash Equivalents22.77M
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets303 M
Property, Plant & Equipment25.09M
Goodwill & Intangible Assets21.82M
Long-Term Investments2.25B
Other Non-Current Assets114.60M
Total Non-Current Assets2 B
Total Assets
2.71B

Financial Health Analysis

Current Ratio

0.13x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.64x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1967304000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

11% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Chemung Financial Corporation Balance Sheet

CHMG โ€ข NASDAQ

Chemung Financial Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
22.8M
47M
36.8M
55.9M
27M
108.5M
121.9M
130M
30.7M
74.2M
26.2M
29.2M
51.6M
40.2M
52.9M
60.6M
79.7M
23.7M
29.4M
26.6M
280.6M
421.7M
584M
632.6M
792M
554.6M
284.1M
242.3M
293.6M
303.4M
344.8M
280.5M
346M
239.7M
280.9M
0.0
0.0
0.0
0.0
0.0
303.4M
468.8M
620.8M
688.5M
819M
663.1M
406M
372.2M
324.4M
377.6M
371M
309.7M
397.6M
279.9M
333.8M
60.6M
79.7M
23.7M
29.4M
26.6M
0.0
0.0
0.0
59.5M
31.7M
40M
30.4M
28.5M
27.1M
27M
25.5M
32.5M
22.4M
18.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
59.5M
31.7M
40M
30.4M
28.5M
27.1M
27M
25.5M
32.5M
22.4M
18.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-2M
-2.9M
-2.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
303.4M
468.8M
620.8M
747.9M
850.7M
706.2M
439.5M
403.8M
351M
404.6M
396.5M
342.1M
420M
298M
333.8M
60.6M
79.7M
23.7M
29.4M
26.6M
NON-CURRENT ASSETS
25.1M
21.8M
20.2M
22.6M
25.2M
27.3M
30.4M
25M
26.7M
28.9M
29.4M
32.3M
30M
25.5M
24.8M
24.2M
24.9M
24.9M
23.2M
21.7M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
21.8M
22M
9.9M
9.9M
8.8M
0.0
0.0
0.0
0.0
0.0
0.0
15K
258K
742K
1.4M
2.1M
2.9M
3.9M
5.1M
6.4M
5.1M
6.2M
4.7M
5.4M
6.2M
0.0
0.0
21.8M
21.8M
21.8M
21.8M
21.8M
22.1M
22.6M
23.2M
23.9M
24.8M
25.8M
26.9M
28.2M
27M
28.2M
14.5M
15.3M
15M
7.1M
2.5M
2.2B
2.2B
2B
1.8B
1.5B
1.5B
1.3B
1.3B
1.3B
1.2B
1.2B
1.1B
990.3M
889.9M
796M
835.9M
829.2M
755.9M
700.9M
661.4M
114.6M
76.1M
69.7M
11.5M
7M
6.2M
6.2M
6.2M
9.8M
7.7M
8.3M
8.8M
7.6M
7.8M
33.6M
23.1M
26.4M
18.9M
28.2M
26.9M
2.4B
2.3B
2.1B
1.9B
1.6B
1.6B
1.4B
1.4B
1.4B
1.3B
1.2B
1.2B
1.1B
950.1M
882.5M
897.7M
895.8M
814.7M
759.5M
712.5M
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
958.3M
975.9M
838.3M
788.9M
738.2M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
1.5M
1.5M
15.1M
1.2M
1.3M
1.3M
1.2M
1.2M
1.2M
1.2M
1.2M
12.4M
1.9M
1.7M
2M
2.1M
2.2M
2.2M
0.0
0.0
19.6M
18M
15.1M
29.7M
19.6M
15.5M
14.9M
14.4M
16.8M
26.9M
12.2M
12.4M
800.1K
784.4K
1.1M
1.3M
1.3M
1.3M
0.0
0.0
-18.1M
-16.5M
0.0
-28.4M
-18.4M
-14.3M
-13.7M
-13.2M
-15.6M
-25.7M
-11M
0.0
1.1M
881.2K
880.1K
875.4K
879.7K
849K
0.0
109.1M
31.9M
95.8M
14.6M
0.0
0.0
0.0
67.7M
27.6M
42.4M
60.5M
32.7M
32.7M
37.1M
44.8M
54.3M
63.4M
93.6M
42.9M
2.3B
2.4B
2.4B
2.3B
2.2B
2B
1.6B
1.6B
1.5B
1.5B
1.4B
1.3B
1.3B
1B
998.5M
786.4M
801.1M
656.9M
572.6M
585.1M
2.3B
2.5B
2.5B
2.4B
2.2B
2B
1.6B
1.6B
1.5B
1.5B
1.4B
1.3B
1.3B
1.1B
1B
832.8M
857.3M
722.5M
668.4M
630.2M
NON-CURRENT LIABILITIES
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2M
9.1M
19.2M
19.3M
25.2M
27.2M
43.3M
20M
20M
20M
20M
20M
179.9M
45.4M
43.6M
44.7M
10.9M
29.7M
19.6M
15.5M
14.9M
14.4M
16.8M
26.9M
12.2M
12.4M
9.4M
8.1M
8.1M
12.8M
12.4M
6.6M
184.9M
54.8M
52.5M
54.7M
21.9M
40.8M
31.8M
19.8M
21.4M
28.3M
38.9M
49.2M
37.4M
39.6M
52.8M
28.1M
28.1M
32.8M
32.4M
26.6M
4.9M
9.4M
8.9M
9.9M
11M
11.1M
12.2M
4.3M
4.5M
4.7M
2.9M
3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
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
860.9M
885.8M
755.3M
700.8M
656.4M
SHAREHOLDERS' EQUITY
-15.3M
-16.2M
-16.5M
-17.6M
-17.8M
-17.5M
-11.7M
-12.6M
-14.3M
-15.3M
-16.4M
-17.4M
-18.1M
-18.6M
-18.9M
-19.2M
-20M
-20.5M
-20.1M
-19.5M
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53.1K
43K
43K
43K
43K
43K
49.5M
48.8M
47.8M
47.3M
46.9M
46.8M
46.4M
45.8M
46M
45.6M
45.5M
45.4M
45.4M
45.4M
45.6M
22M
22.8M
22.9M
22.8M
22.7M
256.5M
247.7M
229.9M
211.9M
188.9M
168M
153.7M
143.1M
128.5M
124.1M
119M
114.8M
111M
107.1M
100.6M
94.4M
87.8M
85.9M
81M
76.6M
-36.1M
-65.1M
-66M
-75.3M
-6.5M
2.4M
-5.8M
-11.4M
-10.3M
-10.8M
-10.9M
-8.8M
155K
-2.8M
-1.4M
102.5K
-566K
-5.2M
4.4M
1.9M
254.7M
215.3M
195.2M
166.4M
211.5M
199.7M
182.6M
165M
149.8M
143.7M
137.2M
134M
138.6M
131.1M
125.9M
97.4M
90.1M
83M
88.1M
81.8M
254.7M
215.3M
195.2M
166.4M
211.5M
199.7M
182.6M
165M
149.8M
143.7M
137.2M
134M
138.6M
131.1M
125.9M
97.4M
90.1M
83M
88.1M
81.8M
SUMMARY
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
958.3M
975.9M
838.3M
788.9M
738.2M
2.5B
2.6B
2.6B
2.5B
2.3B
2.1B
1.6B
1.5B
1.6B
1.5B
1.5B
1.4B
1.3B
1.1B
1.1B
835.9M
829.2M
755.9M
700.9M
661.4M
4.9M
118.5M
40.8M
105.8M
25.5M
11.1M
12.2M
4.3M
74.2M
41.4M
64.4M
82.8M
57.9M
59.9M
80.5M
64.8M
74.3M
83.4M
113.6M
62.9M
-17.8M
71.5M
4M
49.9M
-1.4M
-97.4M
-109.7M
-125.7M
43.5M
-32.7M
38.2M
53.6M
6.3M
19.7M
27.5M
4.2M
-5.5M
59.8M
84.2M
36.3M
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939
4,790,939

SEC Filings

CHMG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 02, 2026
June 02, 2026
2026
8-K

8-K 2026

N/A

May 21, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

May 08, 2026
May 08, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 23, 2026
June 02, 2026
2026
8-K

8-K 2026

N/A

April 17, 2026
April 17, 2026
2026
8-K

8-K 2026

N/A

April 07, 2026
April 03, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 17, 2026
February 17, 2026
2026
8-K

8-K 2026

N/A

February 02, 2026
February 02, 2026
2026
Showing 1 to 10 of 490 filings