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Chemung Financial CHMG Core Banking — Net Income

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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:NetIncomeLoss.

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 — net income?
Chemung Financial (CHMG) reported core banking — net income of $8.9M in Q1 2026.
How has Chemung Financial's core banking — net income changed year-over-year?
Chemung Financial's core banking — net income increased by 65.5% year-over-year, from $5.38M to $8.9M.
What is the long-term trend for Chemung Financial's core banking — net income?
Over 4 years (2021 to 2025), Chemung Financial's core banking — net income has grown at a -12.0% compound annual growth rate (CAGR), from $23.07M to $13.85M.
What does core banking — net income mean?
The final bottom-line profit generated by the core banking segment after all operating expenses, provisions for credit losses, and taxes. It is the ultimate indicator of the segment's contribution to the overall corporate earnings.