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Chemung Financial CHMG Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$30.5MBeat by $1.0M
EPS$1.61Beat by $0.01
Revenue estimate$29.5M
EPS estimate$1.60

Next report

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

Financials

Q4 2025

Income statement

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Revenue$30.5M+17.9%
Net income$7.7M+30.9%
EPS (diluted)$1.61+29.8%

Balance sheet

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Cash & equivalents$50.1M+6.5%
Total debt$226.6M+91.2%
Total equity$254.7M+18.3%
Total assets$2.7B-2.4%

Cash flow

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Operating cash flow$16.3M+162%
CapEx$599.0K-68.8%
Free cash flow$15.7M+265%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$267.52M+15.2%
Enterprise value$444.06M+46.2%
P/E17.7×+7.9×
P/S2.8×+0.4×

Profitability

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Net margin15.9%-8.4pp
FCF margin46.1%+19.1pp

Returns & leverage

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Return on equity6.4%-5.1pp
Debt / equity0.9×+0.3×

Segments

By product

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WMG fee income$3.1M+3.3%
Interchange revenue from debit card transactions$1.1M-1.5%
Overdraft fees$713.0K-11.0%
Other$386.0K+23.7%
CFS fee and commission income$383.0K+43.4%

FAQ

When did Chemung Financial report Q4 2025 earnings?
Chemung Financial (CHMG) reported Q4 2025 earnings on January 26, 2026 before market open.
What were Chemung Financial's Q4 2025 revenue and EPS?
Chemung Financial reported revenue of $30.5M and eps of $1.61 for Q4 2025.
Did Chemung Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $29.5M by $1.0M. EPS beat the consensus estimate of $1.60 by $0.01.
How did Chemung Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.7% from $25.5M a year earlier and eps grew 29.8% from $1.24.
Where can I find Chemung Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001171843-26-000415) and the 10-K periodic report (0001628280-26-017546) directly on SEC EDGAR. The filing index links above go to sec.gov.