Chemung Financial Corporation (CHMG) — Financial statements
Income statement, balance sheet, and cash flow for Chemung Financial Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 140↓6.5% | 150↑9.5% | 137↑34.0% | 102↑11.0% | 92 | |
| Cost of Revenue | 50↓6.3% | 53↑27.7% | 42↑521.2% | 7↑96.2% | 3 | |
| Gross Profit | 90↓6.6% | 96↑1.5% | 95↓0.5% | 95↑7.7% | 88 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 41↑7.5% | 38↑5.9% | 36↑9.9% | 32↑1.6% | 32 | |
| Selling & Marketing Expenses | 1↑5.6% | 1↑28.1% | 0.92↓1.9% | 0.94↑18.8% | 0.79 | |
| SG&A Expenses | 42↑7.4% | 39↑6.4% | 37↑9.6% | 33↑2.1% | 33 | |
| Other Expenses | 28↑3.5% | 27↑1.9% | 27↑6.9% | 25↑13.5% | 22 | |
| Operating Expenses | 70↑5.8% | 66↑4.5% | 63↑8.4% | 58↑6.7% | 55 | |
| Total Costs & Expenses | 120↑0.4% | 120↑13.8% | 105↑61.6% | 65↑11.9% | 58 | |
| Operating Results | ||||||
| Operating Income | 20↓33.7% | 30↓4.5% | 32↓14.6% | 37↑9.3% | 34 | |
| Depreciation & Amortization | 3↑32.2% | 2↓28.1% | 3↓7.4% | 3↓13.6% | 4 | |
| EBITDA | 23↓29.6% | 32↓6.4% | 34↓14.1% | 40↑7.1% | 37 | |
| EBIT | 20↓33.7% | 30↓4.5% | 32↓14.6% | 37↑9.3% | 34 | |
| Interest & Other Income | ||||||
| Net Interest Income | 87↑17.7% | 74↓0.5% | 74↑0.4% | 74↑13.1% | 66 | |
| Interest Income | 133↑4.1% | 128↑12.8% | 113↑38.8% | 81↑18.1% | 69 | |
| Interest Expense | 46↓14.6% | 54↑38.6% | 39↑429.3% | 7↑113.4% | 3 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 20↓33.7% | 30↓4.5% | 32↓14.6% | 37↑9.3% | 34 | |
| Income Tax Expense | 5↓24.7% | 6↓1.3% | 7↓19.8% | 8↑10.5% | 7 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 15↓36.2% | 24↓5.3% | 25↓13.1% | 29↑8.9% | 26 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 15↓36.2% | 24↓5.3% | 25↓13.1% | 29↑8.9% | 26 | |
| Bottom-Line Net Income | 15↓36.3% | 24↓5.3% | 25↓13.1% | 29↑8.9% | 26 | |
| EPS (Basic) | 3.13↓36.9% | 4.96↓6.1% | 5.28↓13.9% | 6.13↑8.7% | 5.64 | |
| EPS (Diluted) | 3.13↓36.9% | 4.96↓6.1% | 5.28↓13.9% | 6.13↑8.7% | 5.64 | |
| Weighted Average Shares | 5↑0.9% | 5↑0.8% | 5↑0.8% | 5↑0.2% | 5 | |
| Weighted Average Diluted Shares | 5↑0.9% | 5↑0.8% | 5↑0.8% | 5↑0.2% | 5 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.