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Other financials

Income statement

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Revenue$31.2M+209%
Net income$8.8M+237%
EPS (diluted)$1.82+235%

Balance sheet

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Cash & equivalents$73.1M-77.2%
Total debt$232.0M+42.2%
Total equity$270.4M+15.1%
Total assets$2.8B-1.1%

Cash flow

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Operating cash flow$9.2M-5.2%
Free cash flow$8.9M-5.1%

Valuation

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Market cap$391.7M+63.7%
Enterprise value$550.55M+569%
P/E11.7×-9.7×
P/S3.3×+0.5×

Profitability

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Net margin27.9%+14.8pp
FCF margin37.7%+3.9pp

Returns & leverage

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Return on equity13.3%+8.1pp
Debt / equity0.9×+0.2×

Where this comes from

Reported directly by Chemung Financial in its filing.

Tagged under the XBRL concept us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

The source filing: Chemung Financial’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 2:29 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054168
(in thousands) / CASH FLOWS FROM OPERATING ACTIVITIES:Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Purchases of FHLBNY and FRBNY stock(12,180)(10,322)
Redemption of FHLBNY and FRBNY stock11,95612,613
Proceeds from sales of fixed assets1,300
Purchases of premises and equipment(456)(688)
Proceeds from sale of other real estate owned347
Proceeds from bank owned life insurance280
(Increase) in loans, net(97,656)(61,955)
Net cash provided by (used in) investing activities(87,614)197,068

Item 1. Financial Statements – Unaudited

FAQ

What is Chemung Financial's capex?
Chemung Financial (CHMG) reported capex of $323K in Q2 2026.
How has Chemung Financial's capex changed year-over-year?
Chemung Financial's capex decreased by 10.3% year-over-year, from $360K to $323K.
What is the long-term trend for Chemung Financial's capex?
Over 3 years (2022 to 2025), Chemung Financial's capex has grown at a 55.6% compound annual growth rate (CAGR), from $448K to $1.69M.
What does capex mean?
Cash spent on property, plant, and equipment — the primary measure of investment in productive capacity and infrastructure.

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