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Chemung Financial CHMG Net margin

Net margin at other companies

GLW

CorningGLW

11.1%+7.8pp

M&T BankMTB

29.8%+1.5pp

KeyCorpKEY

25.4%+24.9pp

Regeneron PharmaceuticalsREGN

29.6%-2.3pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

Midland States BancorpMSBI

10.7%—

Other financials

Income statement

Revenue$29.9M+16.3%

Net income$9.2M+52.7%

EPS (diluted)$1.91+51.6%

Balance sheet

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

Operating cash flow$9.0M+25.9%

CapEx$133.0K-59.5%

Free cash flow$8.9M+30.0%

Valuation

Market cap$358.26M+60.0%

Enterprise value$509.4M+92.4%

P/E19.6×+9.7×

P/S3.6×+1.4×

Profitability

FCF margin46.2%+20.8pp

Returns & leverage

Return on equity7.4%-3.2pp

Debt / equity0.8×+0.4×

Where this comes from

Calculated from Chemung Financial’s reported figures.

net income/total revenue=18.4%

Based on trailing twelve months.

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 margin?: Chemung Financial (CHMG) reported net margin of 18.4% in Q1 2026.
How has Chemung Financial's net margin changed year-over-year?: Chemung Financial's net margin decreased by 19.3% year-over-year, from 22.8% to 18.4%.
What is the long-term trend for Chemung Financial's net margin?: Over 5 years (2020 to 2025), Chemung Financial's net margin has grown at a -7.1% compound annual growth rate (CAGR), from 22.9% to 15.9%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.