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

Insider Decisions trades per month

Total sells 0.73

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	4	—	1	—	—	—	—	1	—

Insider Ownership 24.97%

Capital & Financial Ratios $m

Market Cap 383.78

Revenue 162.16

Net Income 33.54

Free Cash Flow 45.56

Net Debt 63.82

Current Ratio 1.04

Debt/Equity 0.51

P/E ratio 11.61

Fwd P/E 9.94

P/S ratio 2.41

P/B ratio 1.45

Past 5Y EPS Growth (4.77%)

This Y EPS Growth 31.23%

Next Y EPS Growth 8.12%

Next Y revenue growth (11.07%)

Next 5Y EPS Growth 15.99%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 54.85%

10-year low 10-year high

P/S against its own 10 years 78.11%

10-year low 10-year high

P/B against its own 10 years 91.71%

10-year low 10-year high

Dividends

Payout Ratio 0.20

Annual Dividend Rate 1.38

Annual Dividend Yield 1.71%

	total	individual payouts
2027	Powerpack
2026	1.40	0.34 0.34 0.36
2025	1.32	0.32 0.32 0.34 0.34
2024	1.24	0.31 0.31 0.31 0.31
2023	1.24	0.31 0.31 0.31 0.31
2022	1.24	0.31 0.31 0.31 0.31
2021	1.19	0.26 0.31 0.31 0.31
2020	1.04	0.26 0.26 0.26 0.26
2019	1.04	0.26 0.26 0.26 0.26
2018	1.04	0.26 0.26 0.26 0.26
2017	1.04	0.26 0.26 0.26 0.26
2016	1.04	0.26 0.26 0.26 0.26

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	37	47	50	73
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,048	2,161	2,354	2,474

	2023	2024	2025	Q'26
Payables	2,429	2,397	2,271	2,364
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,449	2,418	2,299	2,390

Compound Annual Growth %

	10y	5y	3y
Sales	6.54%	9.85%	11.01%
Cash Flow	12.41%	9.69%	9.09%
Earnings	4.82%	(4.75%)	(19.34%)
Book Value	6.38%	4.99%	15.25%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	40	41	—	—	—
’25	38	22	40	41	141
’24	37	37	38	39	151
’23	32	33	37	36	138
’22	23	24	26	30	103
’21	22	23	24	23	93
’20	21	22	22	23	88

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	9	9	—	—	—
’25	7	10	12	16	45
’24	8	6	9	6	30
’23	11	7	9	4	31
’22	6	12	15	2	35
’21	8	9	9	9	35
’20	6	8	6	9	29

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	9	9	—	—	—
’25	7	11	12	16	46
’24	8	6	9	4	27
’23	10	7	9	4	31
’22	6	12	15	2	35
’21	8	9	9	9	35
’20	6	8	5	9	28

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.91	1.82	—	—	—
’25	1.26	(1.35)	1.62	1.61	3.14
’24	1.48	1.05	1.19	1.24	4.96
’23	1.54	1.33	1.61	0.80	5.28
’22	1.46	1.72	1.37	1.58	6.13
’21	1.39	1.45	1.42	1.38	5.64
’20	0.51	1.20	1.19	1.11	4.01

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	26.05	31.72	36.87	38.56	21.75	33.33	40.74	33.72	39.00	40.71	Analyst estimates 2026–2028 Powerpack
	High	36.75	56.83	53.99	51.00	43.11	49.50	48.75	53.43	55.73	60.80
People
People	Employees	368	371	374	362	341	337	340	339	343	348
	Revenue/emp, $m	0.21	0.22	0.23	0.24	0.26	0.28	0.30	0.41	0.44	0.40
Income, $m
Income, $m	Revenue	77	81	88	87	88	93	103	138	151	141
	Gross margin, %	95.03	96.19	95.35	92.73	95.47	96.32	92.91	71.94	64.52	67.55
	EBT	14	15	24	19	24	34	37	32	30	20
	EBT margin, %	18.66	18.24	26.97	21.89	27.11	36.35	35.85	22.89	19.95	14.16
	Net income	10	7	20	16	19	26	29	25	24	15
	Depreciation	7	6	5	5	6	9	7	5	4	4
Per share, $
Per share, $	Revenue	16.24	16.78	18.13	17.87	18.33	19.83	21.93	29.08	31.61	29.30
	Earnings	2.11	1.55	4.06	3.21	4.01	5.64	6.13	5.28	4.96	3.14
	Cash flow	4.65	4.93	5.75	5.42	5.97	7.57	7.47	6.53	6.25	9.47
	Capex	(0.03)	(0.23)	(0.01)	(0.09)	(0.05)	(0.03)	(0.02)	(0.04)	(0.67)	0.03
	Free cash flow	4.62	4.70	5.73	5.34	5.92	7.54	7.45	6.49	5.58	9.50
	Book value	30.19	31.21	34.15	37.51	41.59	45.15	35.45	41.26	45.14	53.02
	Shares, m	5	5	5	5	5	5	5	5	5	5
Valuation, ×
Valuation, ×	P/E	16.82	31.78	10.20	13.24	8.47	8.24	7.41	9.46	9.84	17.77
	P/S	2.19	2.94	2.28	2.38	1.85	2.34	2.07	1.72	1.54	1.90
	P/B	1.18	1.58	1.21	1.13	0.82	1.03	1.28	1.21	1.08	1.05
	EV/Sales	1.40	3.35	0.84	1.02	0.66	2.25	2.49	1.70	1.98	2.50
	EV/FCF	4.90	11.96	2.67	3.43	2.05	5.91	7.34	7.63	11.21	7.73
Cash, $m
Cash, $m	Operating cash flow	22	24	28	26	29	35	35	31	30	45
	Capex	0	(1)	0	0	0	0	0	0	(3)	0
	Free cash flow	22	23	28	26	28	35	35	31	27	46
Balance, $m
Balance, $m	Working capital	(210)	(143)	(133)	(153)	(403)	(614)	(420)	(401)	(257)	55
	Total debt	14	64	4	4	4	18	99	35	113	135
	Net debt	(61)	33	(126)	(118)	(105)	(9)	43	(2)	66	84
	Shareholders’ equity	144	150	165	183	200	211	166	195	215	255
Returns, %
Returns, %	ROA	0.61	0.44	1.13	0.88	0.95	1.12	1.14	0.93	0.86	0.55
	ROIC	10.92	5.01	37.53	18.36	15.70	10.41	11.00	10.18	6.69	3.67
	ROE	7.14	5.06	12.47	8.98	10.08	12.85	15.24	13.83	11.53	6.43

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ISTR Investar Holding Corporation	$395.3M	16.4×	10.1×	+48.21% (above 0%: growing)	+39.13% (above 0%: growing)	+108.35% (above 0%: growing)	64.92%	0.00%	Compare
PCB PCB Bancorp	$390.4M	9.6×	8.7×	+1.21% (above 0%: growing)	+15.87% (above 0%: growing)	−67.53% (below 0%: shrinking)	57.65%	0.00%	Compare
CHMG Chemung Financial Corp	$383.8M	11.6×	9.9×	+85.38% (above 0%: growing)	n/m	−18.05% (below 0%: shrinking)	75.31%	0.00%
PKBK Parke Bancorp, Inc.	$383.7M	8.3×	—	+9.73% (above 0%: growing)	+48.57% (above 0%: growing)	−12.38% (below 0%: shrinking)	60.74%	0.00%	Compare
FRST Primis Financial Corp.	$382.9M	7.2×	12.8×	+19.34% (above 0%: growing)	+285.01% (above 0%: growing)	+85.35% (above 0%: growing)	71.20%	0.00%	Compare
FNLC First Bancorp, Inc (ME)	$381.4M	10.1×	10.2×	+1.24% (above 0%: growing)	+17.81% (above 0%: growing)	−281.41% (below 0%: shrinking)	58.03%	0.00%	Compare
NECB Northeast Community Bancorp Inc.	$381.0M	8.6×	8.3×	−5.64% (below 0%: shrinking)	−11.76% (below 0%: shrinking)	−14.85% (below 0%: shrinking)	68.91%	0.00%	Compare
CZFS Citizens Financial Services Inc.	$380.6M	9.4×	7.9×	+2.61% (above 0%: growing)	+20.45% (above 0%: growing)	−106.85% (below 0%: shrinking)	68.26%	0.00%	Compare
MVBF Mvb Financial Corp.	$377.0M	9.6×	12.3×	+33.88% (above 0%: growing)	+493.75% (above 0%: growing)	−42.33% (below 0%: shrinking)	75.80%	0.00%	Compare
Median of peers	$382.1M	9.5×	10.1×	+6.17%	+29.79%	−28.59%	66.59%	0.00%

All 323 Banks Regional stocks →

Chemung Financial Corp (CHMG) key facts

Concern: Chemung Financial Corp’s revenue for fiscal 2025 (year ended December 2025) was $140.8 million, down 6.64% from fiscal 2024.
Chemung Financial Corp (CHMG) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CHMG traded at $80.83, a market capitalization of $383.8 million.
Chemung Financial Corp pays an annual dividend of $1.38 per share, a yield of 1.71%, with a payout ratio of 19.8%.
Return on equity was 6.43% and debt-to-equity 0.51.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.