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Chemung Financial Corp
NASDAQ:CHMG

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Chemung Financial Corp
NASDAQ:CHMG
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Price: 58.02 USD -2.06% Market Closed
Market Cap: $277.9m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+18%
5Y
+35%
10Y
+64%
Non Interest Income
+
3Y
-66%
5Y
-64%
10Y
-73%
Net Income
+
3Y
-53%
5Y
-28%
10Y
+12%

Income Statement
Chemung Financial Corp

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Income Statement
Currency: USD
Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Net Interest Income
26
26
26
26
25
25
25
25
25
25
25
25
25
25
25
25
26
27
28
29
31
31
32
33
33
34
34
35
35
35
37
40
44
47
47
47
47
47
46
46
47
47
48
49
50
50
50
51
51
51
52
52
52
53
54
56
57
58
59
60
60
61
61
61
61
61
61
62
63
64
64
65
66
66
68
70
74
77
78
77
74
73
72
72
74
76
79
83
Interest Income
39
38
37
37
36
36
35
36
36
37
38
39
40
41
42
43
44
45
45
45
45
45
45
45
44
45
44
44
43
42
44
47
51
54
54
53
52
51
51
50
51
51
52
52
53
53
54
54
54
55
55
56
56
57
57
59
60
61
63
63
65
66
66
67
67
67
66
66
67
67
68
69
69
70
71
75
81
90
100
108
113
118
122
125
128
128
130
131
Interest Expense
13
12
11
11
11
11
11
11
11
12
13
14
15
16
17
18
18
18
17
16
15
14
13
12
11
11
10
9
8
7
7
7
7
7
6
6
5
5
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
3
3
3
3
3
4
5
6
6
6
6
5
5
4
4
4
4
3
3
3
4
7
13
21
30
39
45
50
53
54
52
51
48
Non Interest Income
13
13
13
13
14
14
14
14
13
13
14
14
14
15
15
16
17
18
18
18
17
17
16
16
16
15
17
17
20
20
20
20
17
18
17
17
17
16
17
17
18
19
20
21
27
27
27
27
20
21
21
21
21
20
20
20
20
21
21
24
23
23
22
20
20
20
20
20
21
22
23
24
24
24
23
22
21
21
21
24
25
25
25
23
23
23
7
7
Revenue
39
N/A
39
0%
39
0%
39
-1%
40
+2%
39
-2%
38
-1%
39
+0%
38
-2%
38
+1%
39
+1%
39
+1%
39
+0%
39
+2%
40
+2%
41
+2%
43
+3%
44
+4%
46
+3%
47
+3%
48
+2%
48
+0%
48
N/A
48
+1%
49
+1%
49
+1%
51
+3%
51
+1%
54
+6%
55
+1%
57
+5%
61
+6%
61
+1%
65
+7%
65
-1%
64
-1%
64
-1%
63
-2%
63
+1%
63
+0%
65
+2%
66
+2%
68
+3%
69
+2%
76
+10%
77
+1%
77
+1%
78
+0%
71
-8%
72
+2%
72
+0%
73
+1%
73
+0%
73
0%
74
+1%
75
+2%
77
+3%
80
+3%
81
+2%
83
+3%
84
+0%
83
0%
83
0%
81
-3%
81
0%
80
0%
81
+1%
82
+1%
84
+3%
86
+2%
88
+2%
89
+2%
89
+0%
90
+1%
91
+0%
92
+1%
96
+4%
99
+3%
100
+1%
102
+2%
99
-2%
97
-2%
97
-1%
95
-2%
97
+2%
99
+2%
86
-13%
90
+5%
Pre-Tax Income
Loan Loss Provision
(5)
(5)
(3)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(0)
(0)
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(3)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(3)
(3)
(4)
(3)
(4)
(4)
(3)
(3)
(2)
(2)
(2)
(3)
(2)
(3)
(3)
(3)
(9)
(9)
(11)
(10)
(3)
(4)
(1)
(5)
(6)
(5)
(4)
0
0
1
(1)
(0)
(0)
1
2
2
1
(1)
(3)
(2)
(3)
(1)
(2)
(2)
0
(3)
(3)
(4)
Non Interest Expense
(25)
(25)
(25)
(25)
(25)
(26)
(26)
(26)
(27)
(28)
(28)
(29)
(30)
(30)
(30)
(30)
(31)
(31)
(32)
(33)
(34)
(35)
(37)
(38)
(39)
(40)
(38)
(38)
(38)
(39)
(42)
(44)
(45)
(45)
(45)
(46)
(47)
(48)
(47)
(48)
(49)
(51)
(53)
(59)
(60)
(61)
(61)
(57)
(55)
(56)
(57)
(57)
(57)
(56)
(54)
(54)
(54)
(55)
(56)
(56)
(57)
(56)
(55)
(55)
(56)
(59)
(60)
(60)
(60)
(57)
(56)
(57)
(56)
(57)
(57)
(58)
(59)
(60)
(62)
(63)
(64)
(65)
(65)
(66)
(67)
(67)
(69)
(70)
Pre-Tax Income
9
N/A
10
+2%
11
+10%
12
+16%
13
+2%
12
-7%
11
-3%
11
-2%
9
-17%
9
+1%
9
+1%
9
-2%
9
+1%
9
+2%
10
+1%
10
+6%
11
+7%
12
+7%
12
+6%
13
+4%
12
-3%
12
-6%
9
-22%
8
-16%
7
-7%
7
+6%
10
+39%
12
+15%
15
+28%
15
-4%
15
+2%
16
+9%
16
-4%
19
+20%
18
-2%
18
-4%
16
-7%
14
-12%
15
+3%
14
-7%
13
-9%
12
-4%
11
-10%
7
-38%
12
+77%
12
+3%
13
+9%
18
+34%
14
-21%
15
+4%
13
-11%
13
+2%
14
+8%
15
+2%
17
+14%
18
+8%
15
-19%
16
+8%
15
-8%
18
+23%
24
+31%
24
0%
27
+14%
20
-25%
19
-6%
17
-13%
18
+6%
23
+29%
24
+6%
29
+22%
31
+6%
32
+4%
34
+5%
34
+2%
36
+4%
36
0%
37
+4%
37
+1%
35
-7%
36
+4%
32
-13%
31
-1%
30
-5%
27
-8%
30
+11%
29
-5%
14
-53%
16
+21%
Net Income
Tax Provision
(3)
(3)
(3)
(4)
(4)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(4)
(4)
(4)
(4)
(4)
(4)
(3)
(2)
(2)
(2)
(3)
(4)
(5)
(5)
(5)
(6)
(5)
(6)
(6)
(6)
(5)
(5)
(5)
(4)
(4)
(4)
(3)
(2)
(4)
(4)
(4)
(6)
(5)
(5)
(4)
(4)
(4)
(4)
(5)
(6)
(4)
(4)
(3)
(3)
(4)
(4)
(5)
(4)
(3)
(3)
(3)
(4)
(5)
(6)
(7)
(7)
(7)
(8)
(8)
(8)
(8)
(8)
(7)
(8)
(7)
(7)
(6)
(6)
(6)
(6)
(2)
(3)
Income from Continuing Operations
7
7
8
9
9
8
8
8
7
7
7
7
7
7
7
7
7
8
8
8
8
8
6
5
5
6
7
8
10
10
10
11
11
12
12
12
11
10
10
9
9
8
8
5
8
8
9
12
9
10
9
9
10
10
12
13
10
12
11
15
19
19
22
17
16
14
14
18
19
23
24
25
26
27
28
28
29
29
27
29
25
25
23
22
24
23
11
13
Net Income (Common)
7
N/A
7
+2%
8
+8%
9
+14%
9
0%
8
-7%
8
-3%
8
-1%
7
-16%
7
+0%
7
+1%
7
-2%
7
+1%
7
+2%
7
+0%
7
+5%
7
+3%
8
+6%
8
+6%
8
+3%
8
-1%
8
-5%
6
-20%
5
-14%
5
-5%
6
+5%
7
+33%
8
+14%
10
+21%
10
-3%
10
+1%
11
+7%
11
-1%
12
+18%
12
-1%
12
-4%
11
-7%
10
-11%
10
+2%
9
-6%
9
-7%
8
-4%
8
-9%
5
-33%
8
+58%
8
+3%
9
+8%
12
+31%
9
-20%
10
+5%
9
-10%
9
+3%
10
+9%
10
+3%
12
+13%
13
+8%
7
-41%
9
+20%
8
-5%
12
+39%
20
+67%
20
+0%
22
+12%
17
-22%
16
-9%
14
-13%
14
+6%
18
+26%
19
+6%
23
+21%
24
+4%
25
+4%
26
+5%
27
+1%
28
+5%
28
-1%
29
+4%
29
+1%
27
-6%
29
+4%
25
-13%
25
-1%
23
-5%
22
-8%
24
+10%
23
-5%
11
-50%
13
+17%
EPS (Diluted)
1.82
N/A
1.87
+3%
2.03
+9%
2.31
+14%
2.31
N/A
2.19
-5%
2.13
-3%
2.12
0%
1.79
-16%
1.8
+1%
1.82
+1%
1.8
-1%
1.81
+1%
1.85
+2%
1.87
+1%
1.96
+5%
2.02
+3%
2.15
+6%
2.27
+6%
2.34
+3%
2.32
-1%
2.21
-5%
1.74
-21%
1.52
-13%
1.45
-5%
1.52
+5%
2.02
+33%
2.31
+14%
2.8
+21%
2.7
-4%
2.13
-21%
2.29
+8%
2.4
+5%
2.7
+13%
2.66
-1%
2.56
-4%
2.38
-7%
2.12
-11%
2.16
+2%
2.02
-6%
1.87
-7%
1.8
-4%
1.61
-11%
1.1
-32%
1.74
+58%
1.78
+2%
1.92
+8%
2.51
+31%
2
-20%
2.09
+4%
1.88
-10%
1.94
+3%
2.11
+9%
2.16
+2%
2.44
+13%
2.62
+7%
1.54
-41%
1.84
+19%
1.75
-5%
2.43
+39%
4.06
+67%
4.04
0%
4.54
+12%
3.51
-23%
3.21
-9%
2.79
-13%
2.97
+6%
3.82
+29%
4.01
+5%
4.96
+24%
5.18
+4%
5.37
+4%
5.64
+5%
5.71
+1%
5.97
+5%
5.93
-1%
6.13
+3%
6.18
+1%
5.8
-6%
6.06
+4%
5.28
-13%
5.22
-1%
4.94
-5%
4.53
-8%
4.96
+9%
4.76
-4%
2.35
-51%
2.75
+17%

See Also

Summary
CHMG intrinsic value, competitors valuation, and company profile.
DCF Valuation
CHMG stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CHMG stock valuation using valuation multiples.
Wall Street Estimates
CHMG price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CHMG stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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