What is Chemung Financial's year four?

Chemung Financial (CHMG) reported year four of $245.87M in Q1 2026.

How has Chemung Financial's year four changed year-over-year?

Chemung Financial's year four decreased by 49.1% year-over-year, from $482.92M to $245.87M.

What is the long-term trend for Chemung Financial's year four?

Over 2 years (2023 to 2025), Chemung Financial's year four has grown at a 40.6% compound annual growth rate (CAGR), from $218.5M to $432.18M.

Chemung Financial CHMG Year four

Year four at other companies

M&T BankMTB

$10.53B-38.1%

Eastern Bankshares, Inc.EBC

——

Customers BancorpCUBI

——

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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

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 year four?: Chemung Financial (CHMG) reported year four of $245.87M in Q1 2026.
How has Chemung Financial's year four changed year-over-year?: Chemung Financial's year four decreased by 49.1% year-over-year, from $482.92M to $245.87M.
What is the long-term trend for Chemung Financial's year four?: Over 2 years (2023 to 2025), Chemung Financial's year four has grown at a 40.6% compound annual growth rate (CAGR), from $218.5M to $432.18M.