What is the long-term trend for Chemung Financial's average interest rate on borrowed federal funds?

Over 2 years (2023 to 2025), Chemung Financial's average interest rate on borrowed federal funds has grown at a -16.2% compound annual growth rate (CAGR), from 5.6% to 4%.

Chemung Financial CHMG Average interest rate on borrowed federal funds

Average interest rate on borrowed federal funds at other companies

FVCBankcorp, Inc.FVCB

$0—

Cullen/Frost BankersCFR

$219K+9.0%

Fulton FinancialFULT

$1K0.0%

Bridgewater Bancshares, Inc.BWB

$238K—

Commerce BancsharesCBSH

$1.28M-7.5%

Old National BancorpONB

$23K-98.6%

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:FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate.

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 average interest rate on borrowed federal funds?: Chemung Financial (CHMG) reported average interest rate on borrowed federal funds of 4% in Q4 2025.
How has Chemung Financial's average interest rate on borrowed federal funds changed year-over-year?: Chemung Financial's average interest rate on borrowed federal funds decreased by 15.6% year-over-year, from 4.7% to 4%.
What is the long-term trend for Chemung Financial's average interest rate on borrowed federal funds?: Over 2 years (2023 to 2025), Chemung Financial's average interest rate on borrowed federal funds has grown at a -16.2% compound annual growth rate (CAGR), from 5.6% to 4%.