CHMG
Chemung Financial Corp
NASDAQ: CHMG · FINANCIAL SERVICES · BANKS - REGIONAL
$66.83
-1.26% today
Updated 2026-04-29
Market cap
$322.08M
P/E ratio
17.63
P/S ratio
3.38x
EPS (TTM)
$3.79
Dividend yield
2.02%
52W range
$42 – $71
Volume
0.0M
Chemung Financial Corp (CHMG) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $53.94M | $60.50M | $63.38M | $62.44M | $62.25M | $67.57M | $68.48M | $67.49M | $79.16M | $74.00M | $76.65M | $79.85M | $86.76M | $86.22M | $86.86M | $91.84M | $101.91M | $113.07M | $149.61M | $139.94M |
| Revenue growth (YoY) | — | +12.2% | +4.8% | -1.5% | -0.3% | +8.6% | +1.3% | -1.4% | +17.3% | -6.5% | +3.6% | +4.2% | +8.7% | -0.6% | +0.7% | +5.7% | +11.0% | +11.0% | +32.3% | -6.5% |
| Cost of revenue | $15.20M | $19.19M | $16.22M | $13.78M | $9.34M | $7.69M | $6.06M | $6.79M | $7.63M | $5.17M | $6.28M | $12.09M | $7.23M | $12.27M | $8.23M | $3.44M | $6.74M | $24.45M | $53.46M | $50.12M |
| Gross profit | $38.73M | $41.31M | $47.16M | $48.66M | $52.91M | $59.88M | $62.41M | $60.70M | $71.53M | $68.83M | $70.37M | $67.76M | $79.54M | $73.95M | $78.63M | $88.41M | $95.17M | $113.07M | $96.15M | $89.83M |
| Gross margin | 71.8% | 68.3% | 74.4% | 77.9% | 85.0% | 88.6% | 91.1% | 89.9% | 90.4% | 93.0% | 91.8% | 84.9% | 91.7% | 85.8% | 90.5% | 96.3% | 93.4% | 100.0% | 64.3% | 64.2% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $13.52M | $14.64M | $20.29M | $25.74M | $20.41M | $22.90M | $25.35M | $26.17M | $28.16M | $28.21M | $27.00M | $28.22M | $28.99M | $29.86M | $30.79M | $31.91M | $32.43M | $36.58M | $37.75M | $40.57M |
| Operating income | $9.21M | $10.79M | $12.39M | $7.09M | $15.21M | $15.57M | $16.41M | $12.55M | $11.87M | $14.09M | $14.43M | $14.69M | $23.64M | $19.04M | $23.87M | $33.76M | $36.89M | $31.50M | $30.09M | $19.94M |
| Operating margin | 17.1% | 17.8% | 19.5% | 11.4% | 24.4% | 23.0% | 24.0% | 18.6% | 15.0% | 19.0% | 18.8% | 18.4% | 27.2% | 22.1% | 27.5% | 36.8% | 36.2% | 27.9% | 20.1% | 14.2% |
| EBITDA | $12.32M | $14.09M | $16.43M | $10.82M | $18.72M | $19.47M | $20.40M | $16.71M | $17.04M | $19.27M | $19.62M | $19.25M | $27.81M | $23.48M | $28.13M | $37.26M | $39.91M | $31.50M | $32.10M | $22.60M |
| EBITDA margin | 22.8% | 23.3% | 25.9% | 17.3% | 30.1% | 28.8% | 29.8% | 24.8% | 21.5% | 26.0% | 25.6% | 24.1% | 32.0% | 27.2% | 32.4% | 40.6% | 39.2% | 27.9% | 21.5% | 16.2% |
| EBIT | $9.21M | $10.79M | $12.39M | $7.09M | $15.21M | $15.57M | $16.41M | $12.55M | $11.87M | $14.09M | $14.43M | $14.69M | $23.64M | $19.04M | $23.89M | $33.76M | $36.89M | $31.50M | $30.09M | $19.94M |
| Interest expense | $15.08M | $17.94M | $14.77M | $11.33M | $8.22M | $6.73M | $5.23M | $4.03M | $3.65M | $3.60M | $3.84M | $3.07M | $4.07M | $6.32M | $3.99M | $3.42M | $7.30M | $38.62M | $53.51M | $45.68M |
| Income tax | $2.62M | $3.53M | $4.03M | $1.86M | $5.11M | $5.03M | $5.38M | $3.82M | $3.71M | $4.66M | $4.40M | $7.26M | $4.01M | $3.43M | $4.61M | $7.33M | $8.11M | $6.50M | $6.41M | $4.83M |
| Effective tax rate | 28.5% | 32.7% | 32.6% | 26.2% | 33.6% | 32.3% | 32.8% | 30.4% | 31.3% | 33.1% | 30.5% | 49.4% | 17.0% | 18.0% | 19.3% | 21.7% | 22.0% | 20.6% | 21.3% | 24.2% |
| Net income | $6.59M | $7.26M | $8.35M | $5.23M | $10.10M | $10.54M | $11.02M | $8.73M | $8.16M | $9.43M | $10.03M | $7.43M | $19.63M | $15.61M | $19.26M | $26.43M | $28.78M | $25.00M | $23.67M | $15.10M |
| Net income growth (YoY) | — | +10.2% | +15.1% | -37.4% | +93.0% | +4.3% | +4.6% | -20.8% | -6.6% | +15.6% | +6.3% | -25.9% | +164.1% | -20.5% | +23.4% | +37.2% | +8.9% | -13.1% | -5.3% | -36.2% |
| Profit margin | 12.2% | 12.0% | 13.2% | 8.4% | 16.2% | 15.6% | 16.1% | 12.9% | 10.3% | 12.7% | 13.1% | 9.3% | 22.6% | 18.1% | 22.2% | 28.8% | 28.2% | 22.1% | 15.8% | 10.8% |