CHMGNasdaqState Commercial BanksFiscal year ends December 31
CHEMUNG FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$79.69−0.82 (-1.02%)
Close on Oct 19, 2026
- Market cap
- $385.52M
- P/E (TTM)
- 11.4
- Dividend yield
- 1.66%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
15.9%−7.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -2.2% | -0.2% | +2.5% | +3.0% | |
| Net income | -36.2% | -19.3% | -4.7% | +4.8% | |
| EPS, diluted | -36.7% | -20.0% | -4.8% | +4.6% | |
| Free cash flow | +67.3% | +8.2% | +9.5% | +12.9% | |
| Dividend per share | +6.5% | +2.1% | +4.9% | +2.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.1% | 10.1% | 6.4% | |
| Return on assets | 0.6% | 0.9% | 0.6% | |
| Capex to revenue | 2.3% | 1.0% | 1.8% | |
| Diluted shares | 5M | 5M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Chemung Financial generated $176.70M from operations and spent $40.82M on capital expenditure, dividends and share buybacks. 16% of that went back into the business.
Generated
$176.70M
Used
$40.82M
Capital expenditure$6.57M16%Dividends$30.65M75%Share buybacks$3.61M9%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin15.9%
×Asset turnover0.03×
×Equity multiplier11.67×
=Return on equity, FY20256.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 15.9% | 0.03× | 11.67× | 6.4% |
| FY2024 | 24.3% | 0.04× | 13.36× | 11.5% |
| FY2023 | 25.3% | 0.04× | 14.81× | 13.8% |
| FY2022 | 30.1% | 0.04× | 13.40× | 15.2% |
| FY2021 | 29.5% | 0.04× | 11.43× | 12.9% |
| FY2020 | 22.9% | 0.04× | 10.64× | 10.1% |
| FY2019 | 19.3% | 0.05× | 10.19× | 9.0% |
| FY2018 | 23.5% | 0.05× | 11.00× | 12.5% |
| FY2017 | 9.6% | 0.05× | 11.46× | 5.1% |
| FY2016 | 13.6% | 0.04× | 11.66× | 7.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$15.10M
- Cash generatingOperating cash flow above zero$45.50M
- Return on assets improvedROA up on the prior year0.9% → 0.5%
- Earnings backed by cashOperating cash flow above net income$45.50M vs $15.10M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.03