What is Chemung Financial's debt-to-assets?

Chemung Financial (CHMG) reported debt-to-assets of 0.1× in Q1 2026.

How has Chemung Financial's debt-to-assets changed year-over-year?

Chemung Financial's debt-to-assets increased by 120.8% year-over-year, from 0× to 0.1×.

What is the long-term trend for Chemung Financial's debt-to-assets?

Over 5 years (2020 to 2025), Chemung Financial's debt-to-assets has grown at a 76.4% compound annual growth rate (CAGR), from 0× to 0.1×.

What does debt-to-assets mean?

Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.

Chemung Financial CHMG Debt-to-assets

Debt-to-assets at other companies

GLW

CorningGLW

0×-0.3×

M&T BankMTB

0.1×+0.1×

KeyCorpKEY

0.1×0.0×

Regeneron PharmaceuticalsREGN

0.1×0.0×

Citizens Financial Services, Inc.CZFS

0.1×0.0×

Midland States BancorpMSBI

0×0.0×

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

Calculated from Chemung Financial’s reported figures.

total debt/total assets=0.1×

Based on the most recent quarter.

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 debt-to-assets?: Chemung Financial (CHMG) reported debt-to-assets of 0.1× in Q1 2026.
How has Chemung Financial's debt-to-assets changed year-over-year?: Chemung Financial's debt-to-assets increased by 120.8% year-over-year, from 0× to 0.1×.
What is the long-term trend for Chemung Financial's debt-to-assets?: Over 5 years (2020 to 2025), Chemung Financial's debt-to-assets has grown at a 76.4% compound annual growth rate (CAGR), from 0× to 0.1×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.