CHEMUNG FINANCIAL CORP
About CHEMUNG FINANCIAL CORP
Chemung Financial Corp is a bank holding firm. Through its subsidiaries, the company provides various financial services, including demand, savings, and time deposits, commercial, residential, and consumer loans, letters of credit, wealth management services, employee benefit plans, insurance products, mutual funds, and brokerage services, among others. The company's reportable segments are Core Banking, Wealth Management (WMG) services, and Holding company and CFS. Maximum revenue is generated from the Core Banking segment, which derives revenue by attracting deposits from the general public and using such funds to originate different types of loans, and to invest in securities. The Wealth Management (WMG) services segment provides trust and investment advisory services to clients.
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Financial summary
- Net income
- $15.1M
- Total assets
- $2.7B
- Market cap
- $342.4M
- Operating margin
- 15.0%
- Net margin
- 11.4%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $132.8M
- Operating expenses
- $112.9M
- Operating income
- $19.9M
- Income tax
- $4.8M
- Net income
- $15.1M
- EPS (basic)
- $3.14
- EPS (diluted)
- $3.14
Balance sheet
- Total assets
- $2.7B
- Current assets
- $2.7B
- Total liabilities
- $2.5B
- Current liabilities
- $2.5B
- Shareholders’ equity
- $254.7M
Cash flow
- Operating cash flow
- $45.5M
- Investing cash flow
- $68.3M
- Financing cash flow
- -$110.8M
- Net cash flow
- $3.1M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $342.4M
- P/E ratio
- 22.7
- EPS (diluted)
- $3.14
- Dividend yield
- 1.9%
- Shares outstanding
- 4.8M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Feb 1, 1995
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $15.1M.
- Revenue grew 92% from FY2021 to FY2025.
- Trading near its 52-week high.
- Pays a dividend yielding about 1.9% annually.
- Valued at a price-to-earnings (P/E) ratio of 22.7.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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