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Stocks · Financials · State Commercial Banks

CHEMUNG FINANCIAL CORP

CHMG Clue Score43
United States Fiscal year ends December CIK 0000763563
$80.54 -0.65% Close, 9 Oct 2026
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Price $80.54 +74.14% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income10.0Fiscal year 2017Net income7.4 −25.9%Fiscal year 2018Net income19.6 +164.1%Fiscal year 2019Net income15.6 −20.5%Fiscal year 2020Net income19.3 +23.4%EPS, diluted4.01Fiscal year 2021Net income26.4 +37.2%EPS, diluted5.64 +40.6%Fiscal year 2022Net income28.8 +8.9%EPS, diluted6.13 +8.7%Fiscal year 2023Net income25.0 −13.1%EPS, diluted5.28 −13.9%Fiscal year 2024Net income23.7 −5.3%EPS, diluted4.96 −6.1%Fiscal year 2025Net income15.1 −36.2%EPS, diluted3.14 −36.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 10.0 7.4 19.6 15.6 19.3 26.4 28.8 25.0 23.7 15.1
Growth −25.9% +164.1% −20.5% +23.4% +37.2% +8.9% −13.1% −5.3% −36.2%
EPS, diluted n/a n/a n/a n/a 4.01 5.64 6.13 5.28 4.96 3.14
Growth +40.6% +8.7% −13.9% −6.1% −36.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow22.1Capital expenditure−1.7Free cash flow20.4Dividends paid−4.9Fiscal year 2017Operating cash flow23.6Capital expenditure−1.5Free cash flow22.2 +8.4%Dividends paid−4.9Fiscal year 2018Operating cash flow27.8Capital expenditure−1.8Free cash flow26.0 +17.3%Buybacks0.0Dividends paid−5.0Fiscal year 2019Operating cash flow26.4Capital expenditure−0.9Free cash flow25.5 −1.8%Buybacks0.0Dividends paid−5.0Fiscal year 2020Operating cash flow28.7Capital expenditure−0.9Free cash flow27.8 +8.9%Buybacks−7.6Dividends paid−5.0Fiscal year 2021Operating cash flow35.5Capital expenditure−0.4Free cash flow35.1 +26.3%Buybacks−1.6Dividends paid−5.3Fiscal year 2022Operating cash flow35.0Capital expenditure−0.4Free cash flow34.6 −1.3%Buybacks−0.9Dividends paid−5.8Fiscal year 2023Operating cash flow30.9Capital expenditure−0.5Free cash flow30.4 −12.1%Buybacks−0.3Dividends paid−5.8Fiscal year 2024Operating cash flow29.8Capital expenditure−3.6Free cash flow26.2 −13.9%Buybacks−0.3Dividends paid−7.4Fiscal year 2025Operating cash flow45.5Capital expenditure−1.7Free cash flow43.8 +67.3%Buybacks−0.4Dividends paid−6.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 22.1 23.6 27.8 26.4 28.7 35.5 35.0 30.9 29.8 45.5
Capital expenditure −1.7 −1.5 −1.8 −0.9 −0.9 −0.4 −0.4 −0.5 −3.6 −1.7
Free cash flow 20.4 22.2 26.0 25.5 27.8 35.1 34.6 30.4 26.2 43.8
Growth +8.4% +17.3% −1.8% +8.9% +26.3% −1.3% −12.1% −13.9% +67.3%
Buybacks n/a n/a 0.0 0.0 −7.6 −1.6 −0.9 −0.3 −0.3 −0.4
Dividends paid −4.9 −4.9 −5.0 −5.0 −5.0 −5.3 −5.8 −5.8 −7.4 −6.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash74.2Shareholders’ equity143.7Fiscal year 2017Cash30.7Shareholders’ equity149.8Fiscal year 2018Cash130.0Shareholders’ equity165.0Fiscal year 2019Cash121.9Shareholders’ equity182.6Fiscal year 2020Cash108.5Shareholders’ equity199.7Fiscal year 2021Cash27.0Shareholders’ equity211.5Fiscal year 2022Cash55.9Shareholders’ equity166.4Fiscal year 2023Cash36.8Shareholders’ equity195.2Fiscal year 2024Cash47.0Shareholders’ equity215.3Fiscal year 2025Cash50.1Shareholders’ equity254.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 74.2 30.7 130.0 121.9 108.5 27.0 55.9 36.8 47.0 50.1
Shareholders’ equity 143.7 149.8 165.0 182.6 199.7 211.5 166.4 195.2 215.3 254.7

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
30.5% 49.4% 17.0% 18.0% 19.3% 21.7% 22.0% 20.6% 21.3% 24.2%
Returns
7.0% 5.0% 11.9% 8.5% 9.6% 12.5% 17.3% 12.8% 11.0% 5.9%
0.6% 0.4% 1.1% 0.9% 0.8% 1.1% 1.1% 0.9% 0.9% 0.6%
Balance and payout
91.3% 91.2% 90.6% 89.8% 91.2% 91.3% 93.7% 92.8% 92.2% 90.6%
48.6% 66.2% 25.3% 32.2% 26.0% 20.1% 20.1% 23.4% 31.1% 41.9%
23.9% 22.2% 19.1% 19.7% 45.3% 19.8% 19.4% 20.2% 29.4% 15.3%