Saturday 17 October 2026 Export CHMG’s income statement to Excel — free account

Chemung Financial Corp

Chemung Financial Corp’s revenue for fiscal 2025 (year ended December 2025) was $140.8 million, down 6.64% from fiscal 2024. In the quarter to June 2026, revenue grew 85.4%, EPS grew 234.8%, free cash flow fell 18.1% and total debt rose 33.3%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years.

80.83 1.23 +1.55%

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Market cap: $383.8M
P/E: 11.6×
Fwd P/E: 9.9×
Dividend yield: 1.71%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Jun '26	Mar '26	Dec '25	Sep '25	Older periods
P/E ratio Full definition →	10.72	14.20	17.77	18.96	+8 more quarters Free account
P/S ratio Full definition →	2.23	1.81	1.90	1.82
P/FCF ratio Full definition →	7.92	5.46	5.87	7.41
P/Operating CF Full definition →	39.07	28.73	16.41	20.64
P/B ratio Full definition →	1.33	0.99	1.05	1.03
Price to Tangible BV Full definition →	1.45	1.08	1.15	1.13
EV/Sales Full definition →	2.62	2.30	2.50	1.39
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	9.06	6.96	7.75	5.44
EV/FCF Full definition →	9.32	6.93	7.73	5.65
Quick Ratio Full definition →	0.03	0.02	0.02	0.05
Current Ratio Full definition →	1.04	1.02	1.02	0.98
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	4.86%	4.48%	4.97%	1.76%
Debt/Equity Full definition →	0.51	0.47	0.53	0.19
Asset Turnover Full definition →	0.06	0.05	0.05	0.05
Operating CF/Net income Full definition →	1.05	0.98	2.11	1.57
Capex/Depreciation Full definition →	(0.35)	(0.15)	(0.48)	(0.44)
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	48.03%	45.27%	47.76%	46.81%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.93%	0.85%	1.14%	0.85%
Graham Net Nets Full definition →	(0.21)	(0.34)	(0.38)	(0.43)
Graham Number Full definition →	93.55	68.17	61.20	56.37
Earnings Yield Full definition →	9.33%	7.04%	5.63%	5.27%
Free Cash Flow Yield Full definition →	12.63%	18.30%	17.02%	13.50%
Revenue per Share Full definition →	8.56	8.27	8.51	8.31
Operating CF per Share Full definition →	1.91	1.87	3.40	2.54
Capex per Share Full definition →	(0.07)	(0.03)	(0.09)	(0.08)
Free Cash Flow per Share Full definition →	1.84	1.85	3.31	2.47
Cash per Share Full definition →	15.11	11.06	10.43	22.38
Shareholders Equity per Share Full definition →	55.88	54.49	53.02	50.99
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00
Book value per Share Full definition →	55.88	54.49	53.02	50.99
Free Cash Flow Full definition →	8.91	8.91	15.88	11.86
Working Capital Full definition →	84.23	58.09	54.93	(37.40)
Capital Expenditures Full definition →	(0.32)	(0.13)	(0.45)	(0.38)
Net Current Asset Value Full definition →	(75.76)	(87.51)	(102.00)	(108.11)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.01	0.00	0.01	0.01
Price to Operating Income Full definition →	8.17	10.78	13.45	15.36
Other line items
Average Payables Full definition →	2,416.45	2,373.65	2,333.78	2,404.82
Average Assets Full definition →	2,836.35	2,772.72	2,743.19	2,735.42
Average Common Equity Full definition →	252.66	245.62	235.01	232.98

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Columns are period end dates

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