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CHEMUNG FINANCIAL CORP

CHMG

$81.27 ▼ -1.30 (-1.57%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CHEMUNG FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $390.4M

Dividend Yield 1.62%

Revenue Growth -2.2% ↘

Op. Margin 21.0% ↘

ROIC None

FCF / Share None

Trailing P/E 25.9x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$95.10M

↓ -2.2% —

Net Income Profit after all expenses

$15.10M

↓ -36.2% —

Operating Margin Operating profit as % of sales

21.0%

↓ -32.2% 77th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.32 Latest / share

+6.5% YoY

+2.2% 12-yr CAGR

$1.04

FY 2014

$1.04

FY 2015

$1.04

FY 2016

$1.04

FY 2017

$1.04

FY 2018

$1.04

FY 2019

$1.04

FY 2020

$1.19

FY 2021

$1.24

FY 2022

$1.24

FY 2023

$1.24

FY 2024

$1.32

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-2.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-137%)	-1.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-129%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	4.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	7.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	5.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-9%)	3.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	-6.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-214%)	18.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+199%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-25%)	13.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+120%)	10.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	—	—
EPS Growth YoY (%)	-36.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-13.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.7% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	40.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	-0.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	93.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-36.2% Weak ↓ Weak Declining Year-over-year change in net income	-5.3% Weak ↓ Weak Declining Year-over-year change in net income	-13.1% Weak ↓ Weak Declining Year-over-year change in net income	8.9% Fair ↓ Fair Declining Year-over-year change in net income	37.2% Excellent ↓ Excellent Declining Year-over-year change in net income	23.4% Good ↓ Good Declining Year-over-year change in net income	-20.5% Weak ↓ Weak Declining Year-over-year change in net income	164.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-25.9% Weak ↓ Weak Declining Year-over-year change in net income	6.3% Fair ↑ Fair Improving Year-over-year change in net income	15.6% Good ↑ Good Improving Year-over-year change in net income	-6.6% Weak ↓ Weak Declining Year-over-year change in net income	-20.8% Weak ↓ Weak Declining Year-over-year change in net income	4.6% Caution ↓ Caution Declining Year-over-year change in net income	4.3% Caution Caution Year-over-year change in net income	93.0% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.6% Fair → Fair Stable Compound annual revenue growth over 3 years	6.1% Fair Fair Compound annual revenue growth over 3 years	9.5% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.8% Caution → Caution Stable Compound annual revenue growth over 5 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.4% Caution → Caution Stable Compound annual revenue growth over 5 years	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.6% Fair Fair Compound annual revenue growth over 5 years	9.3% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-20.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.2% Weak Weak Compound annual EPS growth over 3 years	9.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	18.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	21.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	30.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	31.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	38.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	37.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	28.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	23.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	28.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	19.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	19.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	24.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	49.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	15.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	24.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	25.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	29.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	22.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	23.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	9.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	13.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	13.3% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	10.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	13.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	18.6% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	10.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	11.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	12.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	17.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+44%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	6.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	8.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	10.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	5.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$19.80	$20.40	$20.92	$20.37	$19.10	$17.50	—	—	—	—	—	—	—	$13.81	$13.99	$15.02	$13.56	—
Basic EPS, GAAP (USD)	$3.14	$4.96	$5.28	$6.13	$5.64	$4.01	—	—	—	—	—	—	—	$2.38	$2.40	$2.80	$1.45	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.32	$1.24	$1.24	$1.24	$1.19	$1.04	$1.04	$1.04	$1.04	$1.04	$1.04	$1.04	$1.04	$1.00	$1.00	$1.00	$1.00	—
Book Value per Share (USD)	$53.02	$45.14	$41.26	$35.45	$45.15	$41.59	—	—	—	—	—	—	—	$28.25	$28.73	$27.01	$25.00	—
Tangible Book Value per Share (USD)	$48.48	$40.56	$36.65	$30.80	$40.49	$36.99	—	—	—	—	—	—	—	$22.44	$22.30	$22.98	$25.00	—
Basic Weighted Avg Shares (shares)	4.80M	4.77M	4.73M	4.69M	4.68M	4.80M	—	—	—	—	—	—	—	4.64M	4.38M	3.61M	3.60M	—
Dividend Payout Ratio (%)	42.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.5% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	20.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	25.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	42.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	69.0% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$254.71M	$215.31M	$195.24M	$166.39M	$211.46M	$199.70M	$182.63M	$165.03M	$149.81M	$143.75M	$137.24M	$133.63M	$138.58M	$131.11M	$125.93M	$97.41M	$90.09M	$83.01M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$95.10M	$97.29M	$99.01M	$95.61M	$89.46M	$84.04M	$80.68M	$83.55M	$77.48M	$73.48M	$71.09M	$76.32M	$64.71M	$64.07M	$61.31M	$54.17M	$48.86M	—
Depreciation Expense (USD)	$1.90M	$1.81M	$2.00M	$2.23M	$2.50M	$2.92M	$3.11M	$3.44M	$3.70M	$4.21M	$4.04M	$3.86M	$3.24M	$2.95M	$2.86M	$2.78M	$2.79M	—
Net Income, GAAP (USD)	$15.10M	$23.67M	$25.00M	$28.78M	$26.43M	$19.26M	$15.61M	$19.63M	$7.43M	$10.03M	$9.43M	$8.16M	$8.73M	$11.02M	$10.54M	$10.10M	$5.23M	—
Operating Cash Flow (USD)	$45.50M	$29.82M	$30.88M	$35.05M	$35.46M	$28.66M	$26.41M	$27.77M	$23.64M	$22.14M	—	—	$22.97M	$24.56M	$9.14M	$17.85M	$8.68M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.7%	2.7%	2.8%	2.7%	2.8%	3.4%	3.4%	3.3%	3.2%	3.1%	3.3%	3.2%	3.7%	3.6%	3.6%	—	—
Efficiency Ratio (%) (%)	74.4%	69.1%	64.9%	62.0%	62.2%	66.6%	69.0%	67.9%	69.4%	77.0%	78.0%	79.2%	76.3%	73.1%	73.0%	69.9%	80.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 66 quarters

CHEMUNG FINANCIAL CORP

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