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Chemung Financial CHMG Net Interest Income

Net Interest Income at other companies

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M&T BankMTB
$1.75B+3.4%
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KeyCorpKEY
$1.22B+11.5%
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Citizens Financial Services, Inc.CZFS
$26.11M+13.5%
Midland States Bancorp logo
Midland States BancorpMSBI
$57.42M-1.5%
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Greene County BancorpGCBC
$20.19M+24.5%
Community Financial System logo
Community Financial SystemCBU
$134.71M+12.1%

Segments

By segment

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Core Banking$24.48M+23.5%

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:InterestIncomeExpenseNet.

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 net interest income?
Chemung Financial (CHMG) reported net interest income of $23.58M in Q1 2026.
How has Chemung Financial's net interest income changed year-over-year?
Chemung Financial's net interest income increased by 19.0% year-over-year, from $19.82M to $23.58M.
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.