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Chemung Financial CHMG Net gains/(losses) on sales of loans

Net gains/(losses) on sales of loans at other companies

Financial Institutions logo
Financial InstitutionsFISI
$125K+6.8%
CTB
Community Trust BancorpCTBI
$51K+8.5%
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KeyCorpKEY
Independent Bank Corp logo
Independent Bank CorpINDB

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:GainLossOnSalesOfLoansNet.

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 gains/(losses) on sales of loans?
Chemung Financial (CHMG) reported net gains/(losses) on sales of loans of $21K in Q1 2026.
How has Chemung Financial's net gains/(losses) on sales of loans changed year-over-year?
Chemung Financial's net gains/(losses) on sales of loans decreased by 47.5% year-over-year, from $40K to $21K.
What is the long-term trend for Chemung Financial's net gains/(losses) on sales of loans?
Over 4 years (2021 to 2025), Chemung Financial's net gains/(losses) on sales of loans has grown at a -29.8% compound annual growth rate (CAGR), from $1.07M to $261K.
What does net gains/(losses) on sales of loans mean?
This represents the net profit or loss generated from the sale of loans, such as residential mortgages or commercial loans, to the secondary market. It serves as an indicator of the bank's ability to generate fee-based income through loan origination and distribution strategies.