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Chemung Financial CHMG Core Banking — Interest and dividend income

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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%
CapEx$323.0K-10.3%
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:InterestAndDividendIncomeOperating.

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
Line itemCore BankingWMGHolding Company and CFSInter-Segment EliminationsConsolidated Totals
Interest and dividend income$34,891$2$(2)$34,891
Interest expense9,326897(2)10,221
Net interest income25,565(895)24,670
Provision for credit losses561561
Net interest income after provision for credit losses25,004(895)24,109
Non-interest income2,9083,191407(3)6,503
Non-interest expenses:
Compensation expense and benefits8,7941,17621110,181

Item 1. Financial Statements – Unaudited

FAQ

What is Chemung Financial's core banking — interest and dividend income?
Chemung Financial (CHMG) reported core banking — interest and dividend income of $34.89M in Q2 2026.
How has Chemung Financial's core banking — interest and dividend income changed year-over-year?
Chemung Financial's core banking — interest and dividend income increased by 5.6% year-over-year, from $33.03M to $34.89M.
What is the long-term trend for Chemung Financial's core banking — interest and dividend income?
Over 4 years (2021 to 2025), Chemung Financial's core banking — interest and dividend income has grown at a 17.8% compound annual growth rate (CAGR), from $68.98M to $132.83M.
What does core banking — interest and dividend income mean?
The total gross revenue earned from interest-bearing assets, including loans, securities, and other interest-earning investments held by the core banking segment. It serves as a primary measure of the productivity and yield of the bank's asset base.

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