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CHMG · Chemung Financial Corp · Financials

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$83.23 +1.58 (+1.94%)
Market Cap
$393.67M
Shares
4.82M
Volume · Oct 22 46.76K Avg daily vol (3M) 67.63K

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Revenue
$95.1M -2.2%
FY2025 Revenue FY2009–FY2025
Net Income
$15.1M -36.2%
FY2025 Net Income FY2009–FY2025
Diluted EPS
$3.14 -36.7%
FY2025 Diluted EPS FY2020–FY2025
Operating Cash Flow
$45.5M +52.6%
FY2025 Operating Cash Flow FY2009–FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Line Item TTM FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013 FY2012 FY2011 FY2010 FY2009
$120.37M $95.1M $97.29M $99.01M $95.62M $89.46M $84.04M $80.68M $83.55M $77.48M $73.48M $71.09M $76.32M $64.71M $64.03M $61.38M $54.17M $48.86M
$136.58M $132.84M $127.56M $113.07M $81.48M $69.01M $66.91M $66.93M $64.55M $60.06M $56.17M $54.24M $53.21M $50.66M $52.08M $50.65M $42.75M $44.49M
$94.79M $87.16M $74.06M $74.46M $74.18M $65.59M $62.92M $60.61M $60.48M $56.99M $52.33M $50.64M $49.57M $46.63M $46.84M $43.92M $34.53M $33.16M
$25.58M $7.95M $23.23M $24.55M $21.44M $23.87M $21.12M $20.07M $23.07M $20.49M $21.15M $20.45M $26.76M $18.08M $17.19M $17.46M $19.64M $15.71M
$0 $0 $0 $0 $15K $243K $484K $609K $734K $860K $986K $1.14M $1.31M $921K $1.05M $1.04M $730.89K $933.31K
$41.79M $45.68M $53.51M $38.62M $7.3M $3.42M $3.99M $6.32M $4.07M $3.07M $3.84M $3.6M $3.65M $4.03M $5.23M $6.73M $8.22M $11.33M
$44.19M $19.94M $30.09M $31.5M $36.89M $33.76M $23.87M $19.04M $23.64M $14.69M $14.43M $14.09M $11.87M $12.55M $16.41M $15.57M $15.21M $7.09M
$10.65M $4.83M $6.41M $6.5M $8.11M $7.34M $4.61M $3.43M $4.01M $7.26M $4.4M $4.66M $3.71M $3.82M $5.39M $5.03M $5.11M $1.86M
$33.54M $15.1M $23.67M $25M $28.78M $26.43M $19.26M $15.61M $19.63M $7.43M $10.03M $9.43M $8.16M $8.73M $11.02M $10.54M $10.1M $5.23M
— 15.88% 24.33% 25.25% 30.1% 29.54% 22.92% 19.35% 23.49% 9.59% 13.65% 13.27% 10.69% 13.49% 17.21% 17.17% 18.65% 10.71%
$40.3M $44.12M $24.62M $34.24M -$39.94M $17.49M $27.46M $21.22M $18.76M $9.68M $10.22M $7.28M -$783K $11.69M $9.66M $8.99M $668.31K $10.15M
USD/shares $6.96 $3.14 $4.96 $5.28 $6.13 $5.64 $4.01 — — — — — — — $2.38 $2.40 $2.80 $1.45
USD/shares $6.96 $3.14 $4.96 $5.28 $6.13 $5.64 $4.01 — — — — — — — — — — —
shares — 4.8M 4.77M 4.73M 4.69M 4.68M 4.8M 4.87M 4.83M 4.8M 4.76M 4.72M 4.68M 4.66M 4.64M 4.38M 3.61M 3.6M
shares — 4.8M 4.77M 4.73M 4.69M 4.68M 4.8M 4.87M 4.83M 4.8M 4.76M 4.72M 4.68M 4.66M 4.64M 4.38M — —
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $13.01M in buybacks, $85.46M in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balanceAs ofAmountSource
Finance lease liabilities 2026-06-30 USD 3,265,000 10-Q filed 2026-08-06
Operating lease liabilities 2026-06-30 USD 5,440,000 10-Q filed 2026-08-06
Instrument and agreement coverage is incomplete. Additional filings are awaiting review.
1 filing has incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

7.75% fixed-to-floating rate subordinated notes due June 15, 2035

Note · Chemung Financial Corporation

Reference: 7.75% fixed-to-floating rate subordinated notes due June 15, 2035

Active
Original principal
USD 45,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
Jun 15, 2035

Last reported interest terms: 7.75% From June 15, 2030 to the June 15, 2035 maturity date, the interest rate will adjust to a floating rate equal to a benchmark rate which is expected to be the then-current three-month term SOFR plus 415 basis points, payable quarterly. Reported 2026-03-13 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2025-06-10 Original principal USD 45,000,000 Exact source document Parent 10-K filing · 2026-03-13
    On June 10, 2025, the Corporation issued $45.0 million of 7.75% fixed-to-floating rate subordinated notes due June 15, 2035 in a private offering (the "Notes"). The Notes bear interest at a fixed rate of 7.75% per year, payable semi-annually, for the first five years. From June 15, 2030 to the June 15, 2035 maturity date, the interest rate will adjust to a floating rate equal to a benchmark rate which is expected to be the then-current three-month term SOFR plus 415 basis points, payable quarterly. The subordinated notes were $44.0 million as of December 31, 2025.
    Issuer evidence: In this Annual Report on Form 10-K, the terms “the Registrant,” “the Corporation,” “we,” “us,” and “our,” generally refer to Chemung Financial Corporation and its wholly owned subsidiaries collectively, except where the context indicates otherwise.
    Supporting evidence: On June 10, 2025, the Corporation issued $45.0 million of 7.75% fixed-to-floating rate subordinated notes due June 15, 2035 in a private offering (the "Notes"). The Notes bear interest at a fixed rate of 7.75% per year, payable semi-annually, for the first five years. From June 15, 2030 to the June 15, 2035 maturity date, the interest rate will adjust to a floating rate equal to a benchmark rate which is expected to be the then-current three-month term SOFR plus 415 basis points, payable quarterly. The subordinated notes were $44.0 million as of December 31, 2025.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue
—
Peer median 15.96×
EV/EBIT
—
P/E (TTM)
11.73×
Peer median 12.11×

Peer medians compare against the 242 similar-size Banks - Regional companies (of 304 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
WMG $11,945,000 $11,573,000 $10,460,000 $10,280,000 $11,072,000 $18,984,000 $9,503,000 $9,317,000
Core Banking Segment $8,729,000 $8,468,000 $8,525,000 $8,391,000 $8,058,000 $7,202,000 $8,564,000 $8,767,000
Holding Company CFS And CRM Member — — — — — $657,000 $673,000 $510,000

By Product & Service (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Wealth Management Group Services Segment $11,945,000 $11,573,000 $10,460,000 $10,280,000 $11,072,000 $9,492,000 $9,503,000 $9,317,000
WMG Fee Income $11,945,000 $11,573,000 $10,460,000 $10,280,000 $11,072,000 $9,492,000 — —
Interchange Revenue $4,302,000 $4,426,000 $4,606,000 $4,603,000 $4,844,000 $4,068,000 $4,104,000 $4,040,000
Overdraft Fees $2,862,000 $2,997,000 $3,096,000 $3,084,000 $2,266,000 $2,304,000 $3,653,000 $3,934,000
Service Charge on Deposits Other $1,565,000 $1,045,000 $823,000 $704,000 $948,000 $830,000 $807,000 $793,000
Investment Brokerage $1,176,000 $1,054,000 $995,000 $1,079,000 $1,043,000 $657,000 $673,000 $510,000
Key facts CIK 763563 CUSIP 164024101 13F (30d) 13 filings 13 filers Visit website Investor relations