Chemung Financial (CHMG) financial statements
Chemung Financial reported revenue of $95M in fiscal 2025, up 2.9% a year over 9 years.
Net income was $15M.
Free cash flow was $44M, and the company returned $6M in dividends and $396,000 in net buybacks.
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Chemung Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $73M | $77M | $84M | $81M | $84M | $89M | $96M | $99M | $97M | $95M |
| Interest expense | $4M | $3M | $4M | $6M | $4M | $3M | $7M | $39M | — | — |
| Pre-tax income | $14M | $15M | $24M | $19M | $24M | $34M | $37M | $32M | $30M | $20M |
| Income tax | $4M | $7M | $4M | $3M | $5M | $7M | $8M | $7M | $6M | $5M |
| Net income | $10M | $7M | $20M | $16M | $19M | $26M | $29M | $25M | $24M | $15M |
| EPS (diluted) | $2.11 | $1.55 | $4.06 | $3.21 | $4.01 | $5.64 | $6.13 | $5.28 | $4.96 | $3.14 |
| Diluted shares | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M |
| Net margin | 13.6% | 9.6% | 23.5% | 19.3% | 22.9% | 29.5% | 30.1% | 25.3% | 24.3% | 15.9% |
Balance sheet
Fiscal years, from Chemung Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $74M | $31M | $130M | $122M | $109M | $27M | $56M | $37M | $47M | $50M |
| Property, plant and equipment | $29M | $27M | $25M | $22M | $20M | $18M | $16M | $15M | $16M | $15M |
| Goodwill | $22M | $22M | $22M | $22M | $22M | $22M | $22M | $22M | $22M | $22M |
| Total assets | $1.7B | $1.7B | $1.8B | $1.8B | $2.3B | $2.4B | $2.6B | $2.7B | $2.8B | $2.7B |
| Total liabilities | $1.5B | $1.6B | $1.6B | $1.6B | $2.1B | $2.2B | $2.5B | $2.5B | $2.6B | $2.5B |
| Shareholders' equity | $144M | $150M | $165M | $183M | $200M | $211M | $166M | $195M | $215M | $255M |
| Net debt | -$74M | -$31M | -$130M | -$122M | -$109M | -$27M | -$56M | -$37M | -$47M | -$50M |
Cash flow
Fiscal years, from Chemung Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $22M | $24M | $28M | $26M | $29M | $35M | $35M | $31M | $30M | $45M |
| Capital spending | $2M | $1M | $2M | $883,000 | $867,000 | $367,000 | $426,000 | $462,000 | $4M | $2M |
| Free cash flow | $20M | $22M | $26M | $26M | $28M | $35M | $35M | $30M | $26M | $44M |
| Dividends paid | $5M | $5M | $5M | $5M | $5M | $5M | $6M | $6M | $7M | $6M |
| Share buybacks (net) | — | — | $0 | $0 | -$8M | -$2M | -$933,000 | -$316,000 | -$344,000 | -$396,000 |
| Free cash flow margin | 27.8% | 28.6% | 31.1% | 31.6% | 33.1% | 39.2% | 36.2% | 30.7% | 26.9% | 46.1% |
| Dividends per share | $1.02 | $1.02 | $1.03 | $1.03 | $1.04 | $1.14 | $1.24 | $1.23 | $1.54 | $1.32 |
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Open CHMG in InvestinglyQuestions
What was Chemung Financial's revenue in 2025?
$95M in fiscal 2025, from its 10-K filing.
How much free cash flow does Chemung Financial generate?
$44M in fiscal 2025 (operating cash flow minus capital spending).
From Chemung Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.