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CHEMUNG FINANCIAL CORP CHMG

Nasdaq · stock · State Commercial Banks · website · IPO 1994-03-21

CHEMUNG FINANCIAL CORP financials (annual)

Revenue
2016201720182019202020212022202320242025
Net income
$10.0M $7.4M $19.6M $15.6M $19.3M $26.4M $28.8M $25.0M $23.7M $15.1M 2016201720182019202020212022202320242025
Free cash flow
$20.4M $22.2M $26.0M $25.5M $27.8M $35.1M $34.6M $30.4M $26.2M $43.8M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense——$38.6M$7.3M$3.4M$4.0M$6.3M$4.1M$3.1M$3.8M
Income tax$4.8M$6.4M$6.5M$8.1M$7.3M$4.6M$3.4M$4.0M$7.3M$4.4M
Net income$15.1M$23.7M$25.0M$28.8M$26.4M$19.3M$15.6M$19.6M$7.4M$10.0M
EPS (diluted)$3.14$4.96$5.28$6.13$5.64$4.01————
Operating cash flow$45.5M$29.8M$30.9M$35.0M$35.5M$28.7M$26.4M$27.8M$23.6M$22.1M
Free cash flow$43.8M$26.2M$30.4M$34.6M$35.1M$27.8M$25.5M$26.0M$22.2M$20.4M
Cash & equivalents$50.1M$47.0M$36.8M$55.9M$27.0M$108.5M$121.9M$130.0M$30.7M$74.2M
Total assets$2.7B$2.8B$2.7B$2.6B$2.4B$2.3B$1.8B$1.8B$1.7B$1.7B
Total liabilities$2.5B$2.6B$2.5B$2.5B$2.2B$2.1B$1.6B$1.6B$1.6B$1.5B
Shareholders' equity$254.7M$215.3M$195.2M$166.4M$211.5M$199.7M$182.6M$165.0M$149.8M$143.7M

Growth · year-over-year

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net income growth-36.2%-5.3%-13.1%+8.9%+37.2%+23.4%-20.5%+164.1%-25.9%+6.3%
EPS growth-36.7%-6.1%-13.9%+8.7%+40.6%—————
Free cash flow growth+67.3%-13.9%-12.1%-1.3%+26.3%+8.9%-1.8%+17.3%+8.4%+57.6%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.