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%

CHEMUNG FINANCIAL CORP income statement

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	95	97	99	96	89	84	81	84	77	73	71	76	65	64	61	54	49
Advertising Expenses	1.25	1.18	0.92	0.94	0.79	0.63	0.93	1.18	0.79	0.88	0.90	1.08	1.03	1.07	1.04	0.93	–
Interest Expense	–	–	39	7.30	3.42	3.99	6.32	4.07	3.07	3.84	3.60	3.65	4.03	5.23	6.73	8.22	11
Interest & Investment Income	–	–	–	–	–	–	–	–	–	–	–	–	–	6.63	7.25	7.52	–
Asset Impairment Charges	0	0	0	0	0	–	–	–	–	–	–	–	–	–	–	–	–
Gain (Loss) on Investments	0.21	0.18	0.10	-0.35	0.25	0.09	0.08	2.00	0.08	0.04	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	0.64	0.04	0.00	-0.06	-0.02	-0.25	-0.33	-0.01	-0.03	0	0.02	-0.01	0	0	–	–	–
Pretax Income	20	30	32	37	34	24	19	24	15	14	14	12	13	16	16	15	7.09
Income Tax Expense	4.83	6.41	6.50	8.11	7.34	4.61	3.43	4.01	7.26	4.40	4.66	3.71	3.82	5.39	5.03	5.11	1.86
Net Income	15	24	25	29	26	19	16	20	7.43	10	9.43	8.16	8.73	11	11	10	5.23
EPS (Basic)(per share)	3.14	4.96	5.28	6.13	5.64	4.01	3.21	4.06	1.55	2.11	2.00	1.74	1.87	2.38	2.40	2.80	1.45
EPS (Diluted)(per share)	3.14	4.96	5.28	6.13	5.64	4.01	3.21	4.06	1.55	2.11	2.00	1.74	1.87	2.38	2.40	–	–
Shares Outstanding (Basic, Weighted)(shares)	4.80	4.77	4.73	4.69	4.68	4.80	4.87	4.83	4.80	4.76	4.72	4.68	4.66	4.64	4.38	3.61	3.60
Shares Outstanding (Diluted, Weighted)(shares)	4.80	4.77	4.73	4.69	4.68	4.80	4.87	4.83	4.80	4.76	4.72	4.68	4.66	4.64	4.38	3.61	3.60
Dividend per Share(per share)	1.32	1.24	1.24	1.24	1.19	1.04	1.04	1.04	1.04	1.04	1.04	1.04	1.04	1.00	1.00	1.00	1.00
Total Interest Income	133	128	113	81	69	67	67	65	60	56	54	53	51	52	51	43	44
Net Interest Income	87	74	74	74	66	63	61	60	57	52	51	50	47	47	44	35	33
Non-Interest Income	7.95	23	25	21	24	21	20	23	20	21	20	27	18	17	17	20	16
Provision for Credit Losses	4.44	-0.05	3.26	-0.55	0.02	4.24	5.95	3.15	9.02	0.01	0.39	0.14	0.00	0.83	-0.96	1.13	2.45
Non-Interest Expense	71	67	64	59	56	56	56	57	54	57	55	60	49	47	45	38	39

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 27.9%
Return on equity, FY2025: 6.4%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 11.4
Price to sales: 3.20
Price to book: 1.43
Dividend yield: 1.66%