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Chemung Financial CHMG Q4 2024 Annual earnings

Reported January 28, 2025 · Before market open

Revenue$25.5MBeat by $537.5K
EPS$1.24Beat by $0.01
Revenue estimate$25.0M
EPS estimate$1.23

Next report

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

Financials

Q4 2024

Income statement

See full
Revenue$25.9M+8.9%
Net income$5.9M+55.5%
EPS (diluted)$1.24+55.0%

Balance sheet

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Cash & equivalents$47.0M+27.6%
Total debt$118.5M+191%
Total equity$215.3M+10.3%
Total assets$2.8B+2.4%

Cash flow

See full
Operating cash flow$6.2M+72.2%
CapEx$1.9M+63,867%
Free cash flow$4.3M+19.3%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$232.27M-1.7%
Enterprise value$303.75M+26.5%
P/E9.8×+0.4×
P/S2.4×0.0×

Profitability

See full
Net margin24.3%-0.9pp
FCF margin26.9%-3.8pp

Returns & leverage

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Return on equity11.5%-2.3pp
Debt / equity0.6×+0.3×

Segments

By product

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WMG fee income$3.0M+10.0%
Interchange revenue from debit card transactions$1.1M-3.4%
Overdraft fees$801.0K+1.6%
Other$312.0K+46.5%
CFS fee and commission income$267.0K+8.5%

FAQ

When did Chemung Financial report Q4 2024 earnings?
Chemung Financial (CHMG) reported Q4 2024 earnings on January 28, 2025 before market open.
What were Chemung Financial's Q4 2024 revenue and EPS?
Chemung Financial reported revenue of $25.5M and eps of $1.24 for Q4 2024.
Did Chemung Financial beat estimates in Q4 2024?
Revenue beat the consensus estimate of $25.0M by $537.5K. EPS beat the consensus estimate of $1.23 by $0.01.
Where can I find Chemung Financial's Q4 2024 SEC filings?
You can read the 8-K earnings release (0001171843-25-000478) and the 10-K periodic report (0000763563-25-000058) directly on SEC EDGAR. The filing index links above go to sec.gov.