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Chemung Financial CHMG Core Banking — Net occupancy

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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:OccupancyNet.

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 occupancy?
Chemung Financial (CHMG) reported core banking — net occupancy of $1.45M in Q1 2026.
How has Chemung Financial's core banking — net occupancy changed year-over-year?
Chemung Financial's core banking — net occupancy decreased by 1.7% year-over-year, from $1.47M to $1.45M.
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.