What is Chemung Financial's gross loans?

Chemung Financial (CHMG) reported gross loans of $2.31B in Q1 2026.

How has Chemung Financial's gross loans changed year-over-year?

Chemung Financial's gross loans increased by 10.2% year-over-year, from $2.1B to $2.31B.

What is the long-term trend for Chemung Financial's gross loans?

Over 5 years (2020 to 2025), Chemung Financial's gross loans has grown at a 8.4% compound annual growth rate (CAGR), from $1.52B to $2.27B.

What does gross loans mean?

Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.

Chemung Financial CHMG Gross loans

Gross loans at other companies

M&T BankMTB

$314M-40.1%

KeyCorpKEY

$109.19B+4.2%

Citizens Financial Services, Inc.CZFS

$2.28B-0.8%

Midland States BancorpMSBI

$4.34B-13.5%

Greene County BancorpGCBC

$1.73B+8.0%

Community Financial SystemCBU

$11.13B+6.8%

Other financials

Income statement

See full

Revenue$29.9M+16.3%

Net income$9.2M+52.7%

EPS (diluted)$1.91+51.6%

Balance sheet

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Cash & equivalents$53.4M-0.1%

Total debt$204.5M+117%

Total equity$262.9M+15.2%

Total assets$2.7B-1.7%

Cash flow

See full

Operating cash flow$9.0M+25.9%

CapEx$133.0K-59.5%

Free cash flow$8.9M+30.0%

Valuation

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Market cap$358.26M+60.0%

Enterprise value$509.4M+92.4%

P/E19.6×+9.7×

P/S3.6×+1.4×

Profitability

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Net margin18.4%-4.4pp

FCF margin46.2%+20.8pp

Returns & leverage

See full

Return on equity7.4%-3.2pp

Debt / equity0.8×+0.4×

Where this comes from

Reported directly by Chemung Financial in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss.

The official record: Chemung Financial’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Chemung Financial's gross loans?: Chemung Financial (CHMG) reported gross loans of $2.31B in Q1 2026.
How has Chemung Financial's gross loans changed year-over-year?: Chemung Financial's gross loans increased by 10.2% year-over-year, from $2.1B to $2.31B.
What is the long-term trend for Chemung Financial's gross loans?: Over 5 years (2020 to 2025), Chemung Financial's gross loans has grown at a 8.4% compound annual growth rate (CAGR), from $1.52B to $2.27B.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.