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Chemung Financial CHMG Weighted-Average Discount Rate

Weighted-Average Discount Rate at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
5.4%—
Community Financial System logo
Community Financial SystemCBU
5%0.0pp
CNB Financial logo
CNB FinancialCCNE
5.3%0.0pp
Financial Institutions logo
Financial InstitutionsFISI
5.3%-0.1pp
First Bancorp logo
First BancorpFNLC
4.9%-0.4pp

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:FinanceLeaseWeightedAverageDiscountRatePercent.

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 weighted-average discount rate?
Chemung Financial (CHMG) reported weighted-average discount rate of 4.1% in Q1 2026.
How has Chemung Financial's weighted-average discount rate changed year-over-year?
Chemung Financial's weighted-average discount rate increased by 2.0% year-over-year, from 4% to 4.1%.
What does weighted-average discount rate mean?
This represents the average interest rate used to calculate the present value of the company's lease liabilities. It reflects the company's incremental borrowing rate or the rate implicit in the leases. This metric is essential for understanding the cost of capital embedded in the company's off-balance-sheet financing arrangements.