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Chemung Financial CHMG Q2 2025 earnings

Reported July 17, 2025 · Before market open

Revenue$22.3MMiss by $5.8M
EPS$1.31In line
Revenue estimate$28.1M
EPS estimate$1.31

Next report

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

Financials

Q2 2025

Income statement

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Revenue$10.1M-56.7%
Net income-$6.5M-229%
EPS (diluted)-$1.35-229%

Balance sheet

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Cash & equivalents$320.1M+356%
Total debt$163.1M+87.6%
Total equity$235.0M+16.8%
Total assets$2.9B+3.5%

Cash flow

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Operating cash flow$9.7M+50.2%
CapEx$360.0K-64.7%
Free cash flow$9.4M+71.6%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$227.57M-0.5%
Enterprise value$70.6M-71.2%
P/E20.3×+10.6×
P/S2.6×+0.3×

Profitability

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Net margin13%-11.3pp
FCF margin33.8%+6.6pp

Returns & leverage

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Return on equity5.1%-7.3pp
Debt / equity0.7×+0.3×

Segments

By product

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WMG fee income$3.0M+4.7%
Interchange revenue from debit card transactions$1.1M-2.7%
Overdraft fees$719.0K+0.1%
Other$395.0K+60.6%
CFS fee and commission income$270.0K+6.7%

FAQ

When did Chemung Financial report Q2 2025 earnings?
Chemung Financial (CHMG) reported Q2 2025 earnings on July 17, 2025 before market open.
What were Chemung Financial's Q2 2025 revenue and EPS?
Chemung Financial reported revenue of $22.3M and eps of $1.31 for Q2 2025.
Did Chemung Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $28.1M by $5.8M. EPS beat the consensus estimate of $1.31 by $0.00.
How did Chemung Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 3.6% from $23.2M a year earlier and eps grew 24.8% from $1.05.
Where can I find Chemung Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001171843-25-004538) and the 10-Q periodic report (0000763563-25-000103) directly on SEC EDGAR. The filing index links above go to sec.gov.