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Chemung Financial CHMG Core Banking — Furniture and equipment

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Other financials

Income statement

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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

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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

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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:EquipmentExpense.

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 core banking — furniture and equipment?
Chemung Financial (CHMG) reported core banking — furniture and equipment of $393K in Q1 2026.
How has Chemung Financial's core banking — furniture and equipment changed year-over-year?
Chemung Financial's core banking — furniture and equipment increased by 12.0% year-over-year, from $351K to $393K.
What is the long-term trend for Chemung Financial's core banking — furniture and equipment?
Over 2 years (2023 to 2025), Chemung Financial's core banking — furniture and equipment has grown at a -0.6% compound annual growth rate (CAGR), from $1.62M to $1.6M.
What does core banking — furniture and equipment mean?
Represents the recurring costs associated with maintaining and upgrading physical office infrastructure and banking equipment within the core banking segment. This metric reflects the operational investment required to support branch operations and administrative functions.