CHEMUNG FINANCIAL CORP

CHMG

CHEMUNG FINANCIAL CORP

CHMG

Insider Sentiment (TTM):

Last Purchase:2025-10-29Last Sale:2026-04-27Shares Purchased (TTM):3,500Shares Sold (TTM):5,111

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:2,130,851Shares Outstanding:4,824,821Institutional Ownership Pct.:44.16%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	29	28	23	32	36	32	26	36	23	23	22	53
Interest Bearing Deposits In Banks	44	26	27	75	284	21	21	44	47	72	15	23
Cash And Cash Equivalents At Carrying Value	73	53	50	108	320	53	47	80	70	95	37	76
Equity Securities Fv Ni And Without Readily Determ…	4	4	4	4	3	3	3	3	3	3	3	3
Available For Sale Securities Debt Securities	-	-	-	-	-	-	-	555	551	566	584	569
Debt Securities Held To Maturity Amortized Cost Af…	-	-	-	-	-	-	-	-	-	-	-	2
Held To Maturity Securities	-	-	-	-	-	-	-	1	1	1	1	-
Debt Securities Available For Sale Excluding Accru…	269	275	281	281	287	528	531	-	-	-	584	-
Debt Securities Held To Maturity Excluding Accrued…	2	1	1	1	1	1	1	-	-	-	1	-
Federal Home Loan Bank Stock And Federal Reserve B…	10	9	9	6	7	8	9	4	6	4	5	4
Financing Receivable Excluding Accrued Interest Be…	-	2,312	2,270	2,202	2,132	2,098	2,071	2,029	2,011	2,004	1,973	1,931
Financing Receivable Allowance For Credit Loss Exc…	-	-25	-24	-24	-23	-23	-21	-21	-21	-20	-23	-20
Financing Receivable Excluding Accrued Interest Af…	-	2,287	2,245	2,179	2,110	2,075	2,050	2,008	1,990	1,983	1,950	1,910
Loans Receivable Held For Sale Amount	2	3	2	3	2	0	0	-	0	0	0	-
Property Plant And Equipment And Finance Lease Rig…	-	15	15	15	15	16	16	15	15	14	15	15
Operating Lease Right Of Use Asset	5	5	5	5	5	5	5	6	6	6	6	6
Goodwill	22	22	22	22	22	22	22	22	22	22	22	22
Bank Owned Life Insurance	3	3	3	3	3	3	3	3	3	3	3	3
Derivative Assets	18	17	17	18	19	21	24	20	25	26	24	33
Interest Receivable And Other Assets	57	55	56	54	58	61	64	59	64	62	61	66
Assets	2,820	2,749	2,710	2,697	2,852	2,797	2,776	2,774	2,756	2,785	2,711	2,708
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	682	641	625	633	624	620	626	616	619	656	653	683
Interest Bearing Deposit Liabilities	1,682	1,673	1,646	1,725	1,845	1,814	1,771	1,835	1,797	1,824	1,776	1,790
Deposits	2,364	2,314	2,271	2,359	2,469	2,433	2,397	2,451	2,416	2,481	2,429	2,473
Federal Home Loan Bank Advances Branch Of F H L B …	90	76	87	0	55	85	109	50	80	0	32	0
Subordinated Debt	44	44	44	44	44	-	0	-	-	-	-	-
Finance Lease Liability	-	3	3	4	4	4	4	4	4	3	3	3
Dividends Payable Current And Noncurrent	-	-	-	-	-	-	0	0	1	1	1	1
Operating Lease Liability	5	6	5	5	5	6	6	6	6	6	6	6
Derivative Liabilities	18	17	17	18	19	21	24	20	25	26	24	33
Accounts Payable And Other Accrued Liabilities	26	26	28	22	22	20	22	23	22	21	20	21
Liabilities	2,550	2,486	2,456	2,451	2,618	2,568	2,561	2,554	2,555	2,588	2,515	2,538
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	50	49	50	49	49	48	49	48	48	48	48	48
Retained Earnings Accumulated Deficit	271	264	256	250	244	252	248	243	239	236	230	228
Treasury Stock Common Value	-15	-15	-15	-15	-15	-15	-16	-16	-16	-16	-17	-17
Accumulated Other Comprehensive Income Loss Net Of…	-36	-36	-36	-39	-43	-57	-65	-55	-70	-70	-66	-89
Stockholders Equity	270	263	255	245	235	228	215	221	201	197	195	170
Debt Securities Available For Sale And Held To Mat…	-	-	-	-	-	-	-	625	641	657	-	684
Debt Securities Available For Sale Allowance For C…	-	-	-	-	-	-	-	0	0	0	0	0
Liabilities And Stockholders Equity	2,820	2,749	2,710	2,697	2,852	2,797	2,776	2,774	2,756	2,785	2,711	2,708
Available For Sale Debt Securities Amortized Cost …	-	-	-	-	-	-	-	-	-	-	669	-
Debt Securities Available For Sale Amortized Cost …	316	322	328	331	343	603	617	-	-	-	669	-
Debt Securities Available For Sale Amortized Cost …	0	0	0	0	0	0	0	-	-	-	0	-
Held To Maturity Securities Fair Value	2	1	1	1	1	1	1	1	1	1	1	2
Debt Securities Held To Maturity Allowance For Cre…	-	-	-	-	-	-	-	0	0	0	0	0
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	-	-	-	0	-
Deferred Finance Costs Net	-	1	1	1	1	-	0	-	-	-	-	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	5	5	5	5	5	5	5	5	5	5	5	5
Treasury Stock Common Shares	0	0	1	1	1	1	1	1	1	1	1	1

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.32%	10.22%	18.10%	-	-	-	-	-	-	-	-	-
2025	3.12%	7.70%	15.92%	9.48%	9.13%	8.52%	4.61%	10.35%	13.45%	0.61%	24.12%	28.98%
2024	0.51%	11.97%	13.82%	5.85%	9.58%	6.80%	5.02%	-0.26%	-5.99%	-9.47%	-7.84%	-3.34%
2023	-	-	-	-4.40%	-4.51%	-4.46%	5.31%	13.63%	13.06%	-2.66%	3.01%	3.36%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.53	-0.74	-0.77	-0.80	-0.83	-0.62	-0.18	0.27	0.89	1.69	1.82	2.21
Per Share Metrics
Diluted EPS TTM	6.93	3.79	3.14	2.76	2.33	4.73	4.96	4.52	4.92	5.20	5.28	6.05
Free Cash Flow Per Share TTM	9.52	9.51	9.12	6.73	6.14	5.26	5.49	5.34	5.52	5.85	6.43	6.15
Dividend Per Share TTM	1.37	1.33	1.32	1.28	1.58	1.55	1.54	1.54	1.23	1.23	1.23	1.23
Margin Metrics
Gross Profit Margin TTM	5.28%	-258.32%	-282.40%	-305.87%	-328.45%	-345.22%	-362.33%	-423.52%	-418.18%	-388.96%	-329.25%	-194.78%
Operating Profit Margin TTM	100.16%	197.09%	166.90%	138.83%	114.68%	244.39%	259.96%	240.97%	273.99%	296.06%	301.16%	356.33%
Net Profit Margin TTM	76.02%	149.55%	126.45%	112.08%	94.40%	192.93%	204.54%	190.82%	216.67%	234.15%	239.01%	280.53%
Growth Metrics
Net Revenue Growth (1Y)	271.70%	4.14%	3.21%	4.85%	9.50%	10.90%	10.64%	10.68%	7.56%	4.75%	1.75%	-3.83%
Net Income Growth (1Y)	199.35%	-19.27%	-36.19%	-38.42%	-52.29%	-8.62%	-5.32%	-24.72%	-14.41%	-15.10%	-13.14%	3.02%
EPS Growth (1Y)	197.21%	-19.84%	-36.64%	-38.90%	-51.96%	-9.13%	-6.07%	-25.30%	-15.14%	-15.86%	-13.86%	2.06%
Valuation Metrics
P/E TTM	10.61	14.14	17.55	18.71	20.01	9.76	9.48	10.18	9.28	7.72	8.84	6.11
P/B TTM	1.32	0.98	1.04	1.01	0.95	0.97	1.04	1.00	1.08	0.97	1.13	1.03
P/S TTM	8.06	21.14	22.19	20.97	18.89	18.84	19.39	19.43	20.10	18.07	21.13	17.13
Market Cap	355.78M	258.43M	265.03M	248.40M	224.24M	221.10M	224.39M	219.55M	217.88M	191.20M	221.00M	174.84M
Enterprise Value	282.66M	205.06M	214.93M	140.75M	-95.81M	167.66M	177.36M	139.11M	147.66M	96.34M	184.15M	99.26M
Calculated Values
Free Cash Flow TTM	45.39M	45.87M	43.81M	32.39M	29.11M	25.19M	26.19M	25.49M	26.32M	27.87M	30.42M	29.14M
Net Debt	-73.11M	-53.37M	-50.10M	-107.65M	-320.05M	-53.44M	-47.04M	-80.44M	-70.22M	-94.86M	-36.85M	-75.58M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-04-27Sale

Owner: Tyrrell, Thomas R.

Title: -

Shares: 788

Price/Share: $65.46

Value: $51,582.48

Shares Owned: 8,050

Relationship: Director

Ownership: Direct

2026-02-26Sale

Owner: Dalrymple, Robert H

Title: -

Shares: 2,833

Price/Share: $56.56

Value: $160,234.48

Shares Owned: 1,351

Relationship: Director

Ownership: Direct

2026-02-04Sale

Owner: Fariello, Daniel D

Title: President, Capital Bank Div.

Shares: 748

Price/Share: $61.13

Value: $45,725.24

Shares Owned: 7,110

Relationship: Officer

Ownership: Direct

2026-02-03Sale

Owner: Fariello, Daniel D

Title: President, Capital Bank Div.

Shares: 242

Price/Share: $61.57

Value: $14,899.94

Shares Owned: 7,858

Relationship: Officer

Ownership: Direct

2026-02-02Sale

Owner: Tyrrell, Thomas R.

Title: -

Shares: 500

Price/Share: $61.00

Value: $30,500.00

Shares Owned: 8,800

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-27	Tyrrell, Thomas R.	Director	-	Direct	Sale	788	65.46	$51,582.48	8,050	4
2026-02-26	Dalrymple, Robert H	Director	-	Direct	Sale	2,833	56.56	$160,234.48	1,351	4
2026-02-04	Fariello, Daniel D	Officer	President, Capital Bank Div.	Direct	Sale	748	61.13	$45,725.24	7,110	4
2026-02-03	Fariello, Daniel D	Officer	President, Capital Bank Div.	Direct	Sale	242	61.57	$14,899.94	7,858	4
2026-02-02	Tyrrell, Thomas R.	Director	-	Direct	Sale	500	61.00	$30,500.00	8,800	4
2025-10-29	Streeter, Jeffrey B	Director	-	Direct	Purchase	2,184	51.92	$113,393.28	32,726	4
2025-10-28	Streeter, Jeffrey B	Director	-	Direct	Purchase	1,316	51.64	$67,958.24	30,542	4
2025-08-05	Cole, Loren D	Officer	EVP & CIO	Indirect	Purchase	2,983	50.10	$149,448.30	9,331	4
2025-07-28	Streeter, Jeffrey B	Director	-	Direct	Purchase	2,612	52.60	$137,391.20	29,202	4
2025-07-25	Streeter, Jeffrey B	Director	-	Direct	Purchase	5,000	52.94	$264,700.00	26,590	4
2025-07-24	Streeter, Jeffrey B	Director	-	Direct	Purchase	4,103	52.91	$217,089.73	21,590	4
2025-07-23	Streeter, Jeffrey B	Director	-	Direct	Purchase	3,285	53.19	$174,729.15	17,487	4
2025-07-22	Kenefick, Jeffrey P.	Officer	Regional President	Direct	Purchase	475	52.75	$25,056.25	10,535	4
2025-01-15	Meade, Joseph F Iv	Director	-	Direct	Purchase	592	47.33	$28,019.36	3,710	4
2024-11-06	Cole, Loren D	Officer	EVP & CIO	Direct	Sale	1,000	51.21	$51,210.00	4,771	4
2024-08-06	Wirth, Thomas W	Officer	Executive Vice President	Direct	Sale	764	44.40	$33,938.92	3,926	4
2024-08-06	Tranter, G. Thomas Jr.	Director	-	Direct	Purchase	500	44.00	$22,000.00	27,074	4
2024-06-04	Fariello, Daniel D	Officer	President, Capital Bank Div.	Indirect	Purchase	151	43.28	$6,535.28	1,705	4
2024-03-01	Archibold, Raimundo C. Jr	Director	-	Direct	Sale	425	42.22	$17,943.50	1,383	4
2024-02-20	Meade, Joseph F Iv	Director	-	Direct	Purchase	84	43.50	$3,654.00	3,087	4/A
2024-01-17	Meade, Joseph F Iv	Director	-	Direct	Purchase	582	48.11	$28,000.02	3,003	4
2023-07-24	Wirth, Thomas W	Officer	Executive Vice President	Direct	Sale	907	40.86	$37,060.02	3,739	4
2023-05-24	Kenefick, Jeffrey P.	Officer	Regional President	Indirect	Purchase	817	34.76	$28,398.92	1,767	4
2023-05-11	Cole, Loren D	Officer	EVP & CIO	Indirect	Purchase	2,804	34.77	$97,495.08	5,156	4
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Institutional Ownership

No data available for chart

2026-03-31

44.16%

Inst. Shares: 2,130,851

Shares Outstanding: 4,824,821

2025-12-31

43.49%

Inst. Shares: 2,089,143

Shares Outstanding: 4,804,000

2025-09-30

43.49%

Inst. Shares: 2,091,947

Shares Outstanding: 4,810,682

2025-06-30

41.49%

Inst. Shares: 1,995,085

Shares Outstanding: 4,808,078

2025-03-31

40.64%

Inst. Shares: 1,947,156

Shares Outstanding: 4,790,880

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	2,130,851	4,824,821	44.16%
2025-12-31	2,089,143	4,804,000	43.49%
2025-09-30	2,091,947	4,810,682	43.49%
2025-06-30	1,995,085	4,808,078	41.49%
2025-03-31	1,947,156	4,790,880	40.64%
2024-12-31	1,907,830	4,770,000	40.00%
2024-09-30	1,906,736	4,772,889	39.95%
2024-06-30	1,931,966	4,769,647	40.51%
2024-03-31	1,823,435	4,764,000	38.28%
2023-12-31	1,774,737	4,732,000	37.51%
2023-09-30	1,797,553	4,736,000	37.96%
2023-06-30	1,769,937	4,729,000	37.43%
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CHEMUNG FINANCIAL CORP (CHMG) — SEC Financial Statements & Analysis

CHEMUNG FINANCIAL CORP (CHMG) is a state commercial banks company, incorporated in NY. CHEMUNG FINANCIAL CORP trades on Nasdaq as: CHMG. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CHEMUNG FINANCIAL CORP reported a 271.70% year-over-year revenue growth, a Gross Profit Margin of 5.28% (TTM), a Price-to-Sales (P/S) ratio of 8.06x (TTM), a Price-to-Book (P/B) ratio of 1.32x (TTM), at a market cap of $355.78M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 271.70%
Gross Profit Margin TTM: 5.28%
P/S TTM: 8.06x
P/B TTM: 1.32x
Market Cap: $355.78M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CHEMUNG FINANCIAL CORP in?

CHEMUNG FINANCIAL CORP (CHMG) operates in the State Commercial Banks industry.

What is CHMG's market cap?

CHEMUNG FINANCIAL CORP (CHMG) has a market capitalization of $355.78M as of 2026-06-30.

What is CHMG's P/E ratio?

CHEMUNG FINANCIAL CORP (CHMG)'s trailing twelve month P/E ratio is 10.61x as of 2026-06-30.

What exchange does CHMG trade on?

CHEMUNG FINANCIAL CORP (CHMG) trades on the Nasdaq.

Where is CHEMUNG FINANCIAL CORP incorporated?

CHEMUNG FINANCIAL CORP is incorporated in NY.