Chemung Financial financials
$80.86−0.59%
Close Sep 30, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $140.8M | $150.8M | $137.6M | $102.9M | $92.9M | $88.0M | $87.0M | $87.6M | $80.5M | $77.3M |
| Gross profit | $95.1M | $97.3M | $99.0M | $95.6M | $89.5M | $84.0M | $80.7M | $83.6M | $77.5M | $73.5M |
| Gross margin | 67.6% | 64.5% | 71.9% | 92.9% | 96.3% | 95.5% | 92.7% | 95.4% | 96.2% | 95.0% |
| Operating income | $19.9M | $30.1M | $31.5M | $36.9M | $33.8M | $23.9M | $19.0M | $23.6M | $14.7M | $14.4M |
| Net income | $15.1M | $23.7M | $25.0M | $28.8M | $26.4M | $19.3M | $15.6M | $19.6M | $7.4M | $10.0M |
| Net margin | 10.7% | 15.7% | 18.2% | 28.0% | 28.5% | 21.9% | 17.9% | 22.4% | 9.2% | 13.0% |
| Diluted EPS | $3.14 | $4.96 | $5.28 | $6.13 | $5.64 | $4.01 | $3.21 | $4.06 | $1.55 | $2.11 |
| EBITDA | $19.9M | $30.1M | $31.5M | $36.9M | $33.8M | $23.9M | $19.0M | $23.6M | $14.7M | $17.8M |
| Operating cash flow | $45.5M | $29.8M | $30.9M | $35.0M | $35.5M | $33.9M | $26.4M | $27.8M | $23.6M | $22.1M |
| Free cash flow | $45.2M | $26.2M | $30.4M | $34.6M | $35.1M | $33.0M | $25.5M | $26.0M | $22.2M | $20.4M |
| Diluted shares | 4.8M | 4.8M | 4.7M | 4.7M | 4.7M | 4.8M | 4.9M | 4.8M | 4.8M | 4.8M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $22.8M | $26.2M | $22.2M | $29.3M | $17.4M | $29.5M |
| Short-term investments | $339.1M | $589.2M | $631.9M | $699.3M | $821.9M | $641.8M |
| Total debt | $131.1M | $109.1M | $31.9M | $95.8M | $14.6M | $0.00 |
| Total assets | $2.71B | $2.78B | $2.71B | $2.65B | $2.42B | $2.28B |
| Total liabilities | $2.46B | $2.56B | $2.52B | $2.48B | $2.21B | $2.08B |
| Shareholders' equity | $254.7M | $215.3M | $195.2M | $166.4M | $211.5M | $199.7M |
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