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Chemung Financial

CHMG

Chemung Financial Corp is a financial holding company that provides a comprehensive suite of banking, trust, and financial services through its primary subsidiary, Chemung Canal Trust Company.

Market cap
$392.77M+64.1%
Revenue$120.4M+40.0%
Net income$33.5M+199%
EPS (diluted)$6.96+197%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$31.7M
EPS estimate$1.91

Financials

Q2 2026

Income statement

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Revenue$31.2M+209%
Net income$8.8M+237%
EPS (diluted)$1.82+235%

Balance sheet

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Cash & equivalents$73.1M-77.2%
Total debt$5.4M-96.7%
Total equity$270.4M+15.1%
Total assets$2.8B-1.1%

Valuation & ratios

Valuation

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Market cap$392.77M+64.1%
Enterprise value$325.09M+289%
P/E11.7×-9.8×
P/S3.3×+0.5×

Profitability

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Net margin27.9%+14.8pp

Returns & leverage

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Return on equity13.3%+8.1pp
Debt / equity-0.7×

Competitors

Profile

Chemung Financial Corp is a financial holding company that provides a comprehensive suite of banking, trust, and financial services through its primary subsidiary, Chemung Canal Trust Company. The company operates a community-banking model focused on relationship-based lending and wealth management across New York and Pennsylvania. Its core value proposition centers on leveraging local decision-making and a stable, low-cost deposit base to fund high-quality commercial and consumer credit portfolios.

Competitive position

A dominant community bank in Chemung County with significant market share, expanding its footprint into Western New York and the Capital Region through organic growth and strategic acquisitions.

GeographiesNew York, Pennsylvania, United States
Customer segmentsRetail, Commercial, SME, Municipal
Business modelInterest Spread, Fee-based Services, Fiduciary Services
SuppliersFederal Reserve Bank (FRB), Federal Home Loan Bank of New York (FHLBNY), Depositors, Technology and Core Banking Providers
CustomersSmall and Medium Enterprises, Residential Homebuyers, Retail Banking Customers, Trust and Estate Beneficiaries
Listed1995
Employees339.0
CEOAnders Tomson
FilingsSEC EDGAR

FAQ

What is Chemung Financial's market cap?
Chemung Financial (CHMG) has a market capitalization of $392.8M and trades on NASDAQ.
What is Chemung Financial's revenue and profitability?
Chemung Financial generated $120.4M in trailing twelve-month revenue with net income of $33.5M, representing a net margin of 27.9%. These figures are based on the Q2 2026 filing.
Who are Chemung Financial's competitors?
Chemung Financial's key competitors include Corning Incorporated, Regeneron, GlobalFoundries, and others. These companies compete in similar markets and product categories.
Who does Chemung Financial partner with?
Chemung Financial's notable partners include Applied Materials, Micron, IBM, and others.
What subsidiaries does Chemung Financial have?
Chemung Financial's subsidiaries include Chemung Canal Trust Company, CFS Group, Inc..
Where is Chemung Financial headquartered?
Chemung Financial is headquartered in United States of America and employs approximately 339 people. It has been publicly traded since 1995.