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Chemung Financial CHMG Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Segments

By segment

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Core Banking$25M+25.9%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
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
Service charges on deposit accounts1,0381,1142,0892,234
Interchange revenue from debit card transactions1,1071,1102,1212,147

Item 1. Financial Statements – Unaudited

FAQ

What is Chemung Financial's net interest income (after provisions)?
Chemung Financial (CHMG) reported net interest income (after provisions) of $24.11M in Q2 2026.
How has Chemung Financial's net interest income (after provisions) changed year-over-year?
Chemung Financial's net interest income (after provisions) increased by 22.6% year-over-year, from $19.66M to $24.11M.
What is the long-term trend for Chemung Financial's net interest income (after provisions)?
Over 4 years (2021 to 2025), Chemung Financial's net interest income (after provisions) has grown at a 6.0% compound annual growth rate (CAGR), from $65.57M to $82.72M.
What does net interest income (after provisions) mean?
This metric represents net interest income adjusted for the provision for credit losses, which is the expense set aside to cover expected future loan defaults. It provides a more accurate view of the bank's net revenue after accounting for the inherent credit risk in its loan portfolio.

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