Chemung Financial financials
$81.34−0.48%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $41.4M | $39.9M | $40.9M | $40.0M | $22.3M | $37.6M | $38.7M | $38.3M | $37.0M | $36.9M | $35.9M | $36.8M |
| Gross profit | $31.2M | $29.9M | $30.5M | $28.8M | $10.1M | $25.7M | $25.9M | $24.3M | $23.4M | $23.7M | $23.8M | $25.8M |
| Gross margin | 75.3% | 74.9% | 74.6% | 72.0% | 45.2% | 68.4% | 66.9% | 63.5% | 63.2% | 64.4% | 66.2% | 70.1% |
| Operating income | $11.3M | $11.8M | $11.0M | $10.1M | -$8.8M | $7.7M | $7.5M | $7.2M | $6.3M | $9.1M | $4.6M | $9.7M |
| Net income | $8.8M | $9.2M | $7.7M | $7.8M | -$6.5M | $6.0M | $5.9M | $5.7M | $5.0M | $7.0M | $3.8M | $7.6M |
| Net margin | 21.3% | 23.1% | 18.9% | 19.5% | −28.9% | 16.0% | 15.3% | 14.9% | 13.5% | 19.1% | 10.6% | 20.8% |
| Diluted EPS | $1.82 | $1.91 | $1.61 | $1.62 | $-1.35 | $1.26 | $1.24 | $1.19 | $1.05 | $1.48 | $0.80 | $1.61 |
| EBITDA | $11.3M | $11.8M | $11.0M | $10.1M | -$8.8M | $7.7M | $7.5M | $7.2M | $6.3M | $9.1M | $4.6M | $9.7M |
| Operating cash flow | $9.2M | $9.0M | $16.3M | $12.2M | $9.7M | $7.2M | $6.2M | $9.2M | $6.5M | $7.9M | $3.6M | $9.4M |
| Free cash flow | $8.9M | $8.9M | $15.8M | $11.9M | $8.8M | $6.9M | $4.3M | $8.6M | $5.5M | $7.9M | $3.6M | $9.4M |
| Diluted shares | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.7M | 4.7M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $29.0M | $27.7M | $22.8M | $32.4M | $35.8M | $32.1M |
| Short-term investments | $345.6M | $331.1M | $339.1M | $383.5M | $601.2M | $582.3M |
| Total debt | $133.7M | $119.8M | $131.1M | $44.0M | $99.1M | $85.0M |
| Total assets | $2.82B | $2.75B | $2.71B | $2.70B | $2.85B | $2.80B |
| Total liabilities | $2.55B | $2.49B | $2.46B | $2.45B | $2.62B | $2.57B |
| Shareholders' equity | $270.4M | $262.9M | $254.7M | $245.3M | $235.0M | $228.3M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology