$67.52
-2.5%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Acceptable margins but limited operational leverage. Operating expense control is important.
Strong net margins indicate efficient operations and favorable tax/interest management.
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
CHMG โข NASDAQ
| Chemung Financial Corporation Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
139.9M | 149.6M | 136.6M | 101.9M | 91.8M | 86.9M | 86.2M | 86.8M | 79.9M | 76.6M | 74M | 79.2M | 67.5M | 68.5M | 67.6M | 62.2M | 62.4M | 63.4M | 60.5M | 53.9M | |
GROSS PROFIT | ||||||||||||||||||||
(50.1M) | (53.5M) | (41.9M) | (6.7M) | (3.4M) | (8.2M) | (12.3M) | (7.2M) | (12.1M) | (6.3M) | (5.2M) | (7.6M) | (6.8M) | (6.1M) | (7.7M) | (9.3M) | (13.8M) | (16.2M) | (19.2M) | (15.2M) | |
89.8M | 96.2M | 94.7M | 95.2M | 88.4M | 78.6M | 74M | 79.5M | 67.8M | 70.4M | 68.8M | 71.5M | 60.7M | 62.4M | 59.9M | 52.9M | 48.7M | 47.2M | 41.3M | 38.7M | |
OPERATING INCOME | ||||||||||||||||||||
(69.9M) | (66.1M) | (63.2M) | (58.3M) | (54.6M) | (54.8M) | (54.9M) | (55.9M) | (53.1M) | (55.9M) | (54.7M) | (59.7M) | (48.2M) | (46M) | (44.3M) | (37.7M) | (41.6M) | (34.8M) | (30.5M) | (29.5M) | |
(41.8M) | (38.9M) | (36.6M) | (33.4M) | (32.7M) | (31.4M) | (30.8M) | (30.2M) | (29M) | (27.9M) | (29.1M) | (29.2M) | (27.2M) | (26.4M) | (23.9M) | (21.3M) | (25.7M) | (20.3M) | (14.6M) | (13.5M) | |
19.9M | 30.1M | 31.5M | 36.9M | 33.8M | 23.9M | 19M | 23.6M | 14.7M | 14.4M | 14.1M | 11.9M | 12.6M | 16.4M | 15.6M | 15.2M | 7.1M | 12.4M | 10.8M | 9.2M | |
PRE-TAX INCOME | ||||||||||||||||||||
(45.7M) | (53.5M) | (38.6M) | (7.3M) | (3.4M) | (4M) | (6.3M) | (4.1M) | (3.1M) | (3.8M) | (3.6M) | (3.6M) | (4M) | (5.2M) | (6.7M) | (8.2M) | (11.3M) | (14.8M) | (17.9M) | (15.1M) | |
87.2M | 74.1M | 74.5M | 74.2M | 65.6M | 62.9M | 60.6M | 60.5M | 57M | 52.3M | 50.6M | 49.6M | 46.6M | 46.8M | 43.9M | 34.5M | 33.2M | 30.7M | 25.9M | 24.5M | |
(28.1M) | (27.1M) | (26.6M) | (24.9M) | (21.9M) | (23.3M) | (24.1M) | (25.7M) | (24.1M) | (28.1M) | (25.6M) | (30.4M) | (20.9M) | (19.6M) | (20.4M) | (16.4M) | (15.8M) | (14.5M) | (15.9M) | (16M) | |
19.9M | 30.1M | 31.5M | 36.9M | 33.8M | 23.9M | 19M | 23.6M | 14.7M | 14.4M | 14.1M | 11.9M | 12.6M | 16.4M | 15.6M | 15.2M | 7.1M | 12.4M | 10.8M | 9.2M | |
NET INCOME | ||||||||||||||||||||
(4.8M) | (6.4M) | (6.5M) | (8.1M) | (7.3M) | (4.6M) | (3.4M) | (4M) | (7.3M) | (4.4M) | (4.7M) | (3.7M) | (3.8M) | (5.4M) | (5M) | (5.1M) | (1.9M) | (4M) | (3.5M) | (2.6M) | |
15.1M | 23.7M | 25M | 28.8M | 26.4M | 19.3M | 15.6M | 19.6M | 7.4M | 10M | 9.4M | 8.2M | 8.7M | 11M | 10.5M | 10.1M | 5.2M | 8.4M | 7.3M | 6.6M |
CHMG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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