What is Chemung Financial's year three?

Chemung Financial (CHMG) reported year three of $230.83M in Q1 2026.

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

Chemung Financial's year three decreased by 20.5% year-over-year, from $290.19M to $230.83M.

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

Over 2 years (2023 to 2025), Chemung Financial's year three has grown at a -7.9% compound annual growth rate (CAGR), from $302.47M to $256.55M.

Chemung Financial CHMG Year three

Year three at other companies

M&T BankMTB

$13.55B-4.7%

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:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear.

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 three?: Chemung Financial (CHMG) reported year three of $230.83M in Q1 2026.
How has Chemung Financial's year three changed year-over-year?: Chemung Financial's year three decreased by 20.5% year-over-year, from $290.19M to $230.83M.
What is the long-term trend for Chemung Financial's year three?: Over 2 years (2023 to 2025), Chemung Financial's year three has grown at a -7.9% compound annual growth rate (CAGR), from $302.47M to $256.55M.