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Chemung Financial CHMG Q1 2025 earnings

Reported April 18, 2025 · Before market open

Revenue$25.4MMiss by $1.1M
EPS$1.26Beat by $0.04
Revenue estimate$26.5M
EPS estimate$1.22

Next report

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

Financials

Q1 2025

Income statement

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Revenue$25.7M+8.3%
Net income$6.0M-14.6%
EPS (diluted)$1.26-14.9%

Balance sheet

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Cash & equivalents$53.4M-43.7%
Total debt$94.2M+927%
Total equity$228.3M+15.8%
Total assets$2.8B+0.4%

Cash flow

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Operating cash flow$7.2M-9.5%
CapEx$328.0K+305%
Free cash flow$6.9M-12.7%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$227.81M+12.6%
Enterprise value$268.59M+130%
P/E10.1×+1.9×
P/S2.3×+0.2×

Profitability

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Net margin22.8%-2.6pp
FCF margin25.4%-3.2pp

Returns & leverage

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Return on equity10.6%-2.6pp
Debt / equity0.4×+0.4×

Segments

By product

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WMG fee income$2.9M+6.1%
Interchange revenue from debit card transactions$1.0M-2.4%
Overdraft fees$731.0K+3.0%
Other$389.0K+62.8%
CFS fee and commission income$223.0K-2.2%

FAQ

When did Chemung Financial report Q1 2025 earnings?
Chemung Financial (CHMG) reported Q1 2025 earnings on April 18, 2025 before market open.
What were Chemung Financial's Q1 2025 revenue and EPS?
Chemung Financial reported revenue of $25.4M and eps of $1.26 for Q1 2025.
Did Chemung Financial beat estimates in Q1 2025?
Revenue missed the consensus estimate of $26.5M by $1.1M. EPS beat the consensus estimate of $1.22 by $0.04.
Where can I find Chemung Financial's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001171843-25-002319) and the 10-Q periodic report (0000763563-25-000074) directly on SEC EDGAR. The filing index links above go to sec.gov.