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Chemung Financial CHMG Net Interest Income

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Segments

By segment

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Core Banking$25.57M+21.7%

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:InterestIncomeExpenseNet.

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
Deposits8,70311,07617,24222,232
Borrowed funds1,5181,1502,9801,875
Total interest expense10,22112,22620,22224,107
Net interest income24,67020,80848,25440,625
Provision for credit losses5611,1451,1622,237
Net interest income after provision for credit losses24,10919,66347,09238,388
Non-interest income:
WMG fee income3,1912,9936,3365,860

Item 1. Financial Statements – Unaudited

FAQ

What is Chemung Financial's net interest income?
Chemung Financial (CHMG) reported net interest income of $24.67M in Q2 2026.
How has Chemung Financial's net interest income changed year-over-year?
Chemung Financial's net interest income increased by 18.6% year-over-year, from $20.81M to $24.67M.
What is the long-term trend for Chemung Financial's net interest income?
Over 4 years (2021 to 2025), Chemung Financial's net interest income has grown at a 7.4% compound annual growth rate (CAGR), from $65.59M to $87.16M.
What does net interest income mean?
Net interest income is the difference between the interest earned on loans and investment securities and the interest paid on deposits and other borrowings. It is the fundamental driver of a bank's core profitability and reflects the spread earned on the institution's interest-earning assets.

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