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Segments

By segment

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Core Banking$8.37M+219%

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:NetIncomeLoss.

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
(in thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Loan expense458296792574
Other2,2431,8534,0633,617
Total non-interest expense19,32117,76936,78334,696
Income (loss) before income tax expense11,291(8,811)23,132(1,124)
Income tax expense (benefit)2,481(2,359)5,123(695)
Net income (loss)$8,810$(6,452)$18,009$(429)
Weighted average shares outstanding4,8384,8084,8304,798
Basic and diluted earnings (loss) per share$1.82$(1.35)$3.73$(0.09)

Item 1. Financial Statements – Unaudited

FAQ

What is Chemung Financial's net income?
Chemung Financial (CHMG) reported net income of $8.81M in Q2 2026.
How has Chemung Financial's net income changed year-over-year?
Chemung Financial's net income increased by 236.5% year-over-year, from -$6.45M to $8.81M.
What is the long-term trend for Chemung Financial's net income?
Over 4 years (2021 to 2025), Chemung Financial's net income has grown at a -13.1% compound annual growth rate (CAGR), from $26.43M to $15.1M.
What does net income mean?
Net income as the starting point for the indirect method operating cash flow reconciliation.

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