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Chemung Financial CHMG Pre-Tax Income

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Segments

By segment

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Core Banking$11.51M+67.2%

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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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 pre-tax income?
Chemung Financial (CHMG) reported pre-tax income of $11.84M in Q1 2026.
How has Chemung Financial's pre-tax income changed year-over-year?
Chemung Financial's pre-tax income increased by 54.0% year-over-year, from $7.69M to $11.84M.
What is the long-term trend for Chemung Financial's pre-tax income?
Over 4 years (2021 to 2025), Chemung Financial's pre-tax income has grown at a -12.3% compound annual growth rate (CAGR), from $33.76M to $19.94M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.