What is Chemung Financial's revenue?

Chemung Financial (CHMG) generated $99.3M in revenue over the trailing twelve months, up 0.1% year over year.

Is Chemung Financial profitable?

Chemung Financial reported $18.3M in net income over the trailing twelve months, a 18.4% net margin.

What is Chemung Financial's earnings per share?

Chemung Financial's diluted EPS over the trailing twelve months is $3.79.

Where does Chemung Financial's income statement data come from?

Every line is extracted from Chemung Financial's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Chemung Financial CHMG Income Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Net interest income	$23.58M+19.0%	$23.84M+20.3%	$22.69M+23.4%	$20.81M+17.2%	$19.82M+9.6%
Net interest income after provision for credit losses	$22.98M+22.7%	$22.71M+17.8%	$21.62M+21.3%	$19.66M+16.5%	$18.73M-7.0%
Total noninterest income	$6.32M+7.3%	$6.67M+10.2%	$6.09M+2.9%	-$10.71M-291%	$5.89M+4.1%
Total interest income	$33.59M+6.0%	$34.22M+5.0%	$33.88M+4.7%	$33.03M+5.3%	$31.7M+1.5%
Total interest expense (banking)	$8.54M-23.5%	$9.39M-23.0%	$10.17M-21.8%	$11.08M-12.9%	$11.16M-8.1%
Selling and marketing	$241K-28.9%	$355K+48.5%	$203K-3.3%	$351K-9.5%	$339K-1.7%
Compensation and benefits	$9.58M+6.2%	——	$10.11M+18.0%	$9.58M+10.5%	$9.02M+1.7%
Occupancy and equipment	$1.53M-0.3%	$1.48M+0.3%	$1.37M-3.6%	$1.43M-1.0%	$1.53M+2.7%
Professional fees	$691K+8.3%	$627K-12.2%	$636K+21.8%	$805K+44.3%	$638K+14.1%
Depreciation and amortization	$0—	——	$0—	$0—	$0—
Goodwill impairment	——	$0—	$0—	$0—	$0—
Other operating expenses	$1.82M+3.2%	$2.13M+16.1%	$1.77M-6.2%	$1.85M+6.7%	$1.76M+11.4%
Total noninterest expense	$17.46M+3.2%	$18.39M+3.2%	$17.65M+6.9%	$17.77M+9.6%	$16.93M+1.4%
Interest expense	$10M-15.8%	$10.38M-18.8%	$11.2M-19.9%	$12.23M-10.3%	$11.88M-9.5%
Interest income	$31.52M+12.2%	$31.81M+10.4%	$31.03M+8.5%	$29.44M+7.0%	$28.1M+3.3%
Gain (loss) on disposal of assets	$0+100%	——	$22K—	$630K+4,746%	-$14K-152%
Net investment gains (losses)	-$71K-51.1%	$14K—	$136K+15.3%	$108K+671%	-$47K-147%
Income before income taxes	$11.84M+54.0%	$10.99M+46.5%	$10.07M+39.2%	-$8.81M-241%	$7.69M-15.4%
Income tax expense	$2.64M+58.8%	$3.25M+105%	$2.28M+50.4%	-$2.36M-285%	$1.66M-18.4%
Net income	$9.2M+52.7%	$7.74M+30.9%	$7.79M+36.2%	-$6.45M-229%	$6.02M-14.6%
Diluted earnings per share	$1.91+51.6%	$1.61+29.8%	$1.62+36.1%	-$1.35-229%	$1.26-14.9%
Basic earnings per share	$1.91+51.6%	$1.61+29.8%	$1.62+36.1%	-$1.35-229%	$1.26-14.9%
Weighted-average shares, diluted	4.8M+0.7%	4.8M+0.7%	4.8M+0.8%	4.8M+0.8%	4.8M+0.6%
Weighted-average shares, basic	4.8M+0.7%	4.8M+0.7%	4.8M+0.8%	4.8M+0.8%	4.8M+0.6%
Other expenses	$3.41M-1.7%	——	$3.23M-9.0%	$3.74M+9.7%	$3.47M+3.0%
Accretion (Amortization) of Discounts and Premiums, Investments	-$163K+68.0%	——	-$179K+73.5%	-$587K+2.8%	-$510K0.0%
Adjustments To Additional Paid In Capital Share Based Compensation Restricted Stock Units Requisite Service Period Recognition	$349K+18.7%	——	$339K+9.7%	$347K+13.8%	$294K-4.5%
Amortization Of Financing Costs	$26K—	$26K—	$26K—	$4K—	$0—
Bank Owned Life Insurance Income	$7K-12.5%	$8K-11.1%	$8K-20.0%	$8K-20.0%	$8K-11.1%
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation	$3.27M-48.9%	——	——	$266.62M—	$6.4M-89.0%
Dividends declared (in dollars per share)	$0.34+6.3%	——	$0.34+9.7%	$0.32+3.2%	$0.32+3.2%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$9.53M-32.8%	——	$11.42M-44.3%	$7.76M+50.6%	$14.17M+375%
Realized gain	——	-$4.37M—	-$4.37M—	-$4.37M—	-$4.37M—
Depreciation	$484K+3.6%	$493K+8.4%	$461K+9.0%	$474K+0.6%	$467K+0.4%
Derivative, Gain (Loss) on Derivative, Net	$5K+108%	-$42K-1,150%	-$2K—	-$5K—	-$61K-279%
Distribution of shares of treasury stock for for deferred directors' compensation (in shares)	7.8K+2.0%	——	——	——	7.6K+1.5%
Distribution of shares of treasury stock grants for employee restricted stock awards (in shares)	22.4K-14.5%	——	299—	1.3K-6.2%	26.2K+474%
Distribution of shares of treasury stock grants for employee restricted stock awards	$0—	——	$0—	$0—	$0—
Dividends, Common Stock, Cash	$1.64M+6.9%	——	$1.63M+10.5%	$1.53M+4.1%	$1.53M+4.0%
Equipment	$409K+9.7%	$475K+2.8%	$399K-0.7%	$455K+14.6%	$373K-6.3%
Expense related to employee restricted stock awards	$340K+15.6%	——	$339K+9.7%	$347K+13.8%	$294K-4.5%
Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Transfers Out Of Level3	$0—	——	$0—	$16.03M+817%	$0—
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, (Sales), Issuances, (Settlements)	$0-100%	——	$0—	$0—	$1M—
Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Transfers Into Level3	$0-100%	——	$0—	$0—	$9.88M—
Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Other Comprehensive Income Loss	$186K-77.9%	——	$189K+425%	$51K-74.9%	$843K+341%
FDIC assessments	$315K-28.2%	$293K-41.7%	$352K-32.8%	$434K-15.9%	$439K-23.9%
Gross charge-offs	$738K+85.4%	$649K-13.6%	$288K-5.6%	$1.12M+149%	$398K+8.4%
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	-$94K-136%	——	$86K+10.3%	$992K+224%	$262K+44.0%
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery	$832K+512%	——	$202K-11.0%	$128K-10.5%	$136K-26.5%
Provision for credit losses	$587K-58.0%	——	$1.07M+118%	$1.14M+31.1%	$1.4M+175%
Amortized cost basis	$119K—	——	$3.43M—	$0-100%	——
Prior	$26K-10.3%	$41K+215%	$8K-66.7%	$6K—	$29K—
Revolving Loans	$0-100%	$10K—	$1K-94.4%	$9K—	$7K—
Revolving Loans Converted to Term	$0—	$0—	$0—	$0—	$0—
Term loan by year, year 4	$426K+420%	$130K+713%	$68K+119%	$90K—	$82K—
Term loan by year, year 1	$0—	$23K-55.8%	$1K—	$0—	$0—
Term loan by year, year 2	$16K-71.9%	$214K-29.8%	$68K-29.9%	$52K—	$57K—
Term loan by year, year 3	$194K+4.3%	$217K-37.6%	$102K-15.0%	$159K—	$186K—
Term loan by year, year 5	$76K+105%	$14K-17.6%	$40K+150%	$805K—	$37K—
Gain/(loss) on dispositions, net	$0+100%	$2K—	$22K—	$630K+4,746%	-$14K-152%
Net gains/(losses) on sales of loans	$21K-47.5%	$92K+76.9%	$78K-14.3%	$51K+30.8%	$40K+25.0%
Gains (Losses) On Sales Of Other Real Estate Net	$0+100%	——	——	——	-$11K—
Goodwill Additions	$0—	——	$0—	$0—	$0—
Goodwill impairment losses	——	$0—	$0—	$0—	$0—
Income taxes paid	$123K-72.2%	$2.53M+77.2%	$100K-92.7%	$3.28M+16.1%	$443K-3.5%
Increase Decrease In Accrued Interest Receivable Net	$102K+142%	——	——	——	-$242K-299%
Increase Decrease In Interest Payable Net	$589K+1,152%	-$126K—	-$1.44M-302%	-$13K-102%	-$56K-103%
Net increase in all other deposits	$48.9M-20.5%	——	$23.19M-22.9%	$16.01M+138%	$61.51M+79.6%
Increase (Decrease) in Other Operating Assets	-$683K-196%	-$1.86M-253%	-$3.07M-22,000%	-$316K-117%	$709K+177%
Other liabilities	-$2.33M-397%	$3.97M+96.5%	$1.86M+274%	-$1.22M-303%	-$470K+52.9%
Increase (Decrease) in Time Deposits	-$5.68M+77.3%	-$21.22M-276%	-$133.64M-2,704%	——	-$25M-246%
Increases In (Payments On) Finance Leases	$88K+12.8%	$86K+491%	$86K—	$85K+110%	$78K+9.9%
Incremental Common Shares Attributable to Participating Nonvested Shares with Non-forfeitable Dividend Rights	61.3K+2.9%	——	70.6K+12.6%	71.7K+15.3%	59.6K-4.2%
Data processing and equipment	$2.54M+0.1%	$2.42M-9.0%	$2.53M-1.3%	$2.56M+11.6%	$2.53M-1.5%
Interest and Dividend Income, Operating	$33.59M+6.0%	$34.22M+5.0%	$33.88M+4.7%	$33.03M+5.3%	$31.7M+1.5%
Interest and Fee Income, Loans and Leases	$31.52M+12.2%	$31.81M+10.4%	$31.03M+8.5%	$29.44M+7.0%	$28.1M+3.3%
Interest Expense Borrowings	$1.46M+102%	$985K+68.4%	$1.03M+5.8%	$1.15M+25.8%	$725K-26.4%
Interest Expense, Deposits	$8.54M-23.5%	$9.39M-23.0%	$10.17M-21.8%	$11.08M-12.9%	$11.16M-8.1%
Interest Income, Deposits with Financial Institutions	$303K-6.8%	$665K+73.2%	$1.12M+154%	$855K+133%	$325K+57.8%
Interest Income (Expense), after Provision for Loan Loss	$22.98M+22.7%	$22.71M+17.8%	$21.62M+21.3%	$19.66M+16.5%	$18.73M-7.0%
Interest Income (Expense), Operating	$23.58M+19.0%	$23.84M+20.3%	$22.69M+23.4%	$20.81M+17.2%	$19.82M+9.6%
Interest Paid, Excluding Capitalized Interest, Operating Activity	$9.41M-21.2%	$10.5M-33.2%	$12.63M-4.8%	$12.24M-4.6%	$11.94M+6.5%
Loan expense	$334K+20.1%	$316K-15.5%	$262K-25.8%	$296K+48.0%	$278K+9.0%
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation	$30.08M+177%	-$2.67M-182%	-$167.11M-7,458%	$48.17M—	$10.85M-84.0%
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation	-$35.85M-208%	——	——	$208.7M—	-$11.63M+34.9%
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation	$9.04M+25.9%	$16.33M+162%	$12.24M+33.7%	$9.75M+50.2%	$7.18M-9.5%
(Decrease) in FHLBNY overnight advances, net	-$11.4M+52.7%	——	-$55M—	-$30M-138%	-$24.11M+24.5%
Net Periodic Defined Benefits Expense Reversal Of Expense Excluding Service Cost Component	-$142K-25.7%	-$113K+48.2%	-$113K+50.2%	-$113K+51.3%	-$113K+51.3%
Noninterest Expense	$17.46M+3.2%	$18.39M+3.2%	$17.65M+6.9%	$17.77M+9.6%	$16.93M+1.4%
Non-interest income	$6.32M+7.3%	——	$6.09M+2.9%	-$10.71M-291%	$5.89M+4.1%
Number of corporate debt investments, redeemed prior to initial call	——	——	——	——	1—
Number of corporate bonds transferred out of Level 2 into Level 3	——	——	——	——	7—
Number of operating segments	20.0%	——	——	——	2—
Other comprehensive income/(loss) before reclassifications	$323K-96.0%	——	$3.62M-75.5%	$971K+499%	$8.14M+300%
Occupancy and Related Charges	$300K+50.0%	——	$200K0.0%	$200K-33.3%	$200K—
Operating lease right-of-use assets amortization expense	$211K+8.8%	——	——	——	$194K+284%
Net unrealized gains on securities available for sale	$116K-96.0%	——	$1.3M-75.2%	$4.89M+8,639%	$2.89M+300%
Net unrealized debt securities gains (losses), net of tax	$323K-96.0%	——	$3.62M-75.5%	$14.21M+8,670%	$8.14M+300%
Other comprehensive income/(loss)	$329K-96.0%	——	$3.63M-75.4%	$14.21M+8,411%	$8.15M+300%
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax	-$6K0.0%	——	-$6K-20.0%	-$6K-20.0%	-$6K-20.0%
Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax	-$2K0.0%	——	-$2K0.0%	-$2K0.0%	-$2K0.0%
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax	-$8K0.0%	——	-$8K-14.3%	-$8K-14.3%	-$8K-14.3%
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax	$439K-96.0%	——	$4.93M-75.4%	$1.6M+636%	$11.03M+300%
Other real estate owned	$8K-27.3%	$1K-97.6%	$8K-85.5%	$3K-75.0%	$11K-77.6%
Earnings allocated to participating share awards	$117K+56.0%	——	$115K+53.3%	-$96K-248%	$75K-18.5%
Payment for Origination and Purchase, Loan, Held-for-Sale	$1.74M-23.2%	$1.68M-78.6%	$5.22M—	$4.7M+92.9%	$2.27M+30.2%
Payments for (Proceeds from) Loans Receivable	$42.05M+60.6%	$70.1M+62.5%	$70.03M+294%	$35.78M+328%	$26.18M-16.1%
Payments For Purchase Of Investment Operating Activity	$82K+34.4%	——	$93K+158%	$118K+321%	$61K+74.3%
Payments for Repurchase of Common Stock	$173K+104%	$295K+17.1%	$11K+10.0%	$5K—	$85K+3.7%
Payments of Ordinary Dividends, Common Stock	$1.64M+6.9%	$1.63M+10.5%	$1.63M-44.7%	$1.53M+4.1%	$1.53M+4.3%
Payments on Operating Leases, Operating Activities	$199K+3.1%	——	——	——	$193K+152%
Payments To Acquire Federal Reserve Stock	$7.04M-14.6%	——	$1.27M—	$2.08M-71.4%	$8.24M-24.3%
Payments to Acquire Property, Plant, and Equipment	$133K-59.5%	$599K-68.8%	$400K-34.1%	$360K-64.7%	$328K+305%
Pension and other employee benefits	$2.12M+10.4%	$2.56M+11.3%	$2.3M+41.2%	$2.11M+1.6%	$1.92M-7.7%
Proceeds from Life Insurance Policy	$280K—	——	——	——	$0—
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale	$5.56M-59.3%	$234.53M+1,827%	$11.57M-26.3%	$14.71M-0.1%	$13.64M+14.2%
Proceeds From Sale Of Loans Held For Sale	$1.16M-42.8%	$4.81M-39.2%	$4.44M+4,778%	$2.82M+28.8%	$2.02M+20.6%
Proceeds from the sale of for-sale condominiums, net of selling costs	$0-100%	——	——	$189K+2.2%	$158K—
Proceeds from re-issuance of treasury stock	$158K+8.2%	——	$233K+118%	$83K-18.6%	$146K+0.7%
Total provisions for credit losses	$601K-45.0%	$1.14M—	$1.06M+88.7%	$1.15M+30.3%	$1.09M+154%
Reclassification from AOCI, Current Period, Net of Tax, Attributable to Parent	-$6K0.0%	——	-$6K-20.0%	-$13.24M-264,760%	-$6K-20.0%
Expense related to restricted stock units for directors' deferred compensation plan	$6K0.0%	——	$6K+20.0%	$5K0.0%	$6K+20.0%
Restricted Stock Units For Directors Deferred Compensation Plan	$6K0.0%	——	$6K+20.0%	$5K0.0%	$6K+20.0%
Salaries and wages	$7.6M+5.4%	$7.86M+5.4%	$7.93M+10.6%	$7.58M+11.1%	$7.21M+2.8%
Property, plant, and equipment additions	$133K-59.5%	——	$400K-34.1%	$360K-64.7%	$328K+305%
Stock Issued During Period Shares Restricted Stock Award Forfeited	2.1K—	——	2.1K—	——	——
Stock Issued During Period Shares Treasury Stock Reissued	2.8K-4.9%	——	4.6K+103%	1.8K-26.6%	3K-3.2%
Stock Issued During Period Value Restricted Stock Award Forfeitures	$9K—	——	$16K—	——	——
Issuance of common stock and reissuance of treasury stock under equity incentive plans, net of forfeitures, value	$158K+8.2%	——	$233K+118%	$83K-18.6%	$146K+0.7%
Number of shares purchased (in shares)	3.1K+72.3%	——	214-0.5%	97—	1.8K+5.8%
Treasury stock, value, acquired	$173K+104%	——	$11K+10.0%	$5K—	$85K+3.7%
Weighted average number of shares outstanding used in the calculation of basic earnings per share (in shares)	4.8M+0.7%	——	4.7M+0.6%	4.7M+0.6%	4.7M+0.6%

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about Chemung Financial.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Chemung Financial's revenue?: Chemung Financial (CHMG) generated $99.3M in revenue over the trailing twelve months, up 0.1% year over year.
Is Chemung Financial profitable?: Chemung Financial reported $18.3M in net income over the trailing twelve months, a 18.4% net margin.
What is Chemung Financial's earnings per share?: Chemung Financial's diluted EPS over the trailing twelve months is $3.79.
Where does Chemung Financial's income statement data come from?: Every line is extracted from Chemung Financial's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.