CHMG
NASDAQ · Banking
Chemung Financial Corp
$80.61
-0.25 (-0.31%)
Financial Highlights (FY 2026)
Revenue
99.26M
Net Income
15.32M
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 | 99.26M | 92.97M | 86.75M | 81.02M |
| Gross Profit | — | — | 33.77M | 31.54M |
| Operating Income | 38.30M | 32.28M | 21.28M | 20.23M |
| Net Income | 15.32M | 12.91M | 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 | 30.85M | 30.85M | 142.50M | 126.10M |
| Total Equity | 165.51M | 165.51M | 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 | 41.92M | 37.30M | 27.86M | 27.24M |
| Free Cash Flow | — | — | 16.98M | 24.02M |