15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $15M | — | — | 5.9% | 0.6% | $44M | $131M | $50M |
| 2024 | — | $24M | — | — | 11.0% | 0.9% | $26M | — | $47M |
| 2023 | — | $25M | — | — | 12.8% | 0.9% | $30M | — | $37M |
| 2022 | — | $29M | — | — | 17.3% | 1.1% | $35M | — | $56M |
| 2021 | — | $26M | — | — | 12.5% | 1.1% | $35M | — | $27M |
| 2020 | — | $19M | — | — | 9.6% | 0.8% | $28M | — | $109M |
| 2019 | — | $16M | — | — | 8.5% | 0.9% | $26M | — | $122M |
| 2018 | — | $20M | — | — | 11.9% | 1.1% | $26M | — | $130M |
| 2017 | — | $7M | — | — | 5.0% | 0.4% | $22M | — | $31M |
| 2016 | — | $10M | — | — | 7.0% | 0.6% | $20M | — | $74M |
| 2015 | — | $9M | — | — | 6.9% | 0.6% | — | — | $26M |
| 2014 | — | $8M | — | — | 6.1% | 0.5% | — | — | $29M |
| 2013 | — | $9M | — | — | 6.3% | 0.6% | $19M | — | $52M |
| 2012 | — | $11M | — | — | 8.4% | 0.9% | $21M | — | $40M |
| 2011 | — | $11M | — | — | 8.4% | 0.9% | $7M | — | $53M |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $9M | — | — | 3.3% | 0.3% | $9M | $134M | $73M |
| Mar '26 | — | $9M | — | — | 3.5% | 0.3% | $9M | $120M | $53M |
| Dec '25 | — | $8M | — | — | 3.0% | 0.3% | $16M | $131M | $50M |
| Sep '25 | — | $8M | — | — | 3.2% | 0.3% | $12M | — | $108M |
| Jun '25 | — | -$6M | — | — | -2.7% | -0.2% | $9M | $99M | $320M |
| Mar '25 | — | $6M | — | — | 2.6% | 0.2% | $7M | — | $53M |
| Dec '24 | — | $6M | — | — | 2.7% | 0.2% | $4M | — | $47M |
| Sep '24 | — | $6M | — | — | 2.6% | 0.2% | $9M | — | $80M |
| Jun '24 | — | $5M | — | — | 2.5% | 0.2% | $5M | — | $70M |
| Mar '24 | — | $7M | — | — | 3.6% | 0.3% | $8M | — | $95M |
| Dec '23 | — | $4M | — | — | 1.9% | 0.1% | $4M | — | $37M |
| Sep '23 | — | $8M | — | — | 4.5% | 0.3% | $9M | — | $76M |
| Jun '23 | — | $6M | — | — | 3.5% | 0.2% | $7M | — | $54M |
| Mar '23 | — | $7M | — | — | 4.1% | 0.3% | $10M | — | $35M |
| Dec '22 | — | $7M | — | — | 4.5% | 0.3% | $2M | — | $56M |
| Sep '22 | — | $6M | — | — | 4.1% | 0.3% | $14M | — | $42M |
| Jun '22 | — | $8M | — | — | 4.6% | 0.3% | $12M | — | $30M |
| Mar '22 | — | $7M | — | — | 3.7% | 0.3% | $6M | — | $65M |
| Dec '21 | — | $6M | — | — | 3.1% | 0.3% | $9M | — | $27M |
| Sep '21 | — | $7M | — | — | 3.2% | 0.3% | $9M | — | $62M |
How the market has priced CHMG against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
See the revenue and net-income charts above for CHEMUNG FINANCIAL CORP's multi-year trend.
As of FY2025, CHEMUNG FINANCIAL CORP reported $131M of total debt against $50M of cash.
In FY2025, gross margin was —, operating margin —, and net margin —.
As of Sep '26, CHEMUNG FINANCIAL CORP traded at a price-to-earnings ratio of about 26.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.