CHMG
CHEMUNG FINANCIAL CORP
NASDAQ · Financial Services · Banks - Regional · US
$86.88
+1.14%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 141.3M | 139.9M | 149.6M | 136.6M | 101.9M |
| Cost of Revenue | 40.6M | 50.1M | 53.5M | 41.9M | 6.7M |
| Gross Profit | 100.7M | 89.8M | 96.2M | 94.7M | 95.2M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 49.6M | 41.8M | 38.9M | 36.6M | 33.4M |
| General & Admin Expense | 48.9M | 40.6M | 37.8M | 35.7M | 32.4M |
| Selling & Marketing Expense | 746.0K | 1.2M | 1.2M | 923.0K | 941.0K |
| Other Expenses | 23.6M | 28.1M | 27.1M | 26.6M | 24.9M |
| Total Operating Expenses | 73.2M | 69.9M | 66.1M | 63.2M | 58.3M |
| Cost and Expenses | 113.8M | 120.0M | 119.5M | 105.1M | 65.0M |
| Operating Income (EBIT) | 27.5M | 19.9M | 30.1M | 31.5M | 36.9M |
| Non-Operating | |||||
| Interest Income | 138.8M | 132.8M | 127.6M | 113.1M | 81.5M |
| Interest Expense | 41.0M | 45.7M | 53.5M | 38.6M | 7.3M |
| Net Interest Income | 97.8M | 87.2M | 74.1M | 74.5M | 74.2M |
| Other Non-Op Income/Expense | 23.1M | — | — | — | — |
| Non-Operating Income (excl Interest) | (10.4M) | — | — | — | — |
| EBT (Pre-Tax Income) | 50.6M | 19.9M | 30.1M | 31.5M | 36.9M |
| Income Tax Expense | 12.2M | 4.8M | 6.4M | 6.5M | 8.1M |
| Bottom Line | |||||
| Net Income | 38.5M | 15.1M | 23.7M | 25.0M | 28.8M |
| Earnings from Cont. Ops | 38.5M | 15.1M | 23.7M | 25.0M | 28.8M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 38.5M | 15.1M | 23.7M | 25.0M | 28.8M |
| Per Share | |||||
| Basic EPS | $7.97 | $3.13 | $4.96 | $5.28 | $6.13 |
| Diluted EPS | $7.97 | $3.13 | $4.96 | $5.28 | $6.13 |
| Revenue Per Share | $29.20 | $29.09 | $31.37 | $28.86 | $21.72 |
| Shares | |||||
| Basic Shares Outstanding | 4.8M | 4.8M | 4.8M | 4.7M | 4.7M |
| Diluted Shares Outstanding | 4.8M | 4.8M | 4.8M | 4.7M | 4.7M |
| Profitability Metrics | |||||
| EBITDA | 40.3M | 22.6M | 32.1M | 34.3M | 39.9M |
| D&A | 2.4M | 2.7M | 2.0M | 2.8M | 3.0M |
| EBIT | 37.9M | 19.9M | 30.1M | 31.5M | 36.9M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026