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Chemung Financial CHMG Core Banking — Net occupancy

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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:OccupancyNet.

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
Non-interest income2,9083,191407(3)6,503
Non-interest expenses:
Compensation expense and benefits8,7941,17621110,181
Net occupancy expense1,479673(3)1,546
Furniture and equipment expense4582416498
Data processing & software expense2,32927882,615
Other non-interest expenses4,0652012154,481
Total non-interest expense17,1251,746453(3)19,321

Item 1. Financial Statements – Unaudited

FAQ

What is Chemung Financial's core banking — net occupancy?
Chemung Financial (CHMG) reported core banking — net occupancy of $1.48M in Q2 2026.
How has Chemung Financial's core banking — net occupancy changed year-over-year?
Chemung Financial's core banking — net occupancy increased by 8.5% year-over-year, from $1.36M to $1.48M.
What is the long-term trend for Chemung Financial's core banking — net occupancy?
Over 2 years (2023 to 2025), Chemung Financial's core banking — net occupancy has grown at a 1.3% compound annual growth rate (CAGR), from $5.41M to $5.56M.
What does core banking — net occupancy mean?
The net costs associated with maintaining physical branch locations and office facilities used by the core banking segment, including rent, utilities, and maintenance. This metric provides insight into the bank's physical footprint and the overhead costs required to support its retail and commercial banking operations.

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