CHMG
NASDAQ · Banking
Chemung Financial Corp
$67.10
+0.88 (+1.33%)
Financial Highlights (FY 2026)
Revenue
97.09M
Net Income
14.98M
Gross Margin
—
Profit Margin
30.1%
Rev Growth
+6.8%
D/E Ratio
0.19
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 38.9% | 38.9% |
| Operating Margin | 38.6% | 34.7% | 24.5% | 25.0% |
| Profit Margin | 30.1% | 28.6% | 25.5% | 29.2% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 97.09M | 90.94M | 86.75M | 81.02M |
| Gross Profit | — | — | 33.77M | 31.54M |
| Operating Income | 37.46M | 31.58M | 21.28M | 20.23M |
| Net Income | 14.98M | 12.63M | 22.15M | 23.64M |
| Gross Margin | — | — | 38.9% | 38.9% |
| Operating Margin | 38.6% | 34.7% | 24.5% | 25.0% |
| Profit Margin | 30.1% | 28.6% | 25.5% | 29.2% |
| Rev Growth | +6.8% | +6.8% | +8.2% | -1.8% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 24.62M | 24.62M | 142.50M | 126.10M |
| Total Equity | 132.09M | 132.09M | 145.74M | 140.62M |
| D/E Ratio | 0.19 | 0.19 | 0.98 | 0.90 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 21.66M | 19.27M | 27.86M | 27.24M |
| Free Cash Flow | — | — | 16.98M | 24.02M |