CHEMUNG FINANCIAL CORPCHMGEarnings & Financial Report
Nasdaq · Financials · State Commercial Banks
Chemung Canal Trust Company is a New York State chartered trust company based in Elmira, New York. It was founded as a publicly traded bank in 1833.
CHMG Q4 FY2025 Key Financial Metrics
Revenue
$23.8M
Gross Profit
N/A
Operating Profit
$11.0M
Net Profit
$7.7M
Gross Margin
N/A
Operating Margin
46.1%
Net Margin
32.5%
YoY Growth
20.3%
EPS
$1.61
CHEMUNG FINANCIAL CORP Q4 FY2025 Financial Summary
CHEMUNG FINANCIAL CORP reported revenue of $23.8M (up 20.3% YoY) for Q4 FY2025, with a net profit of $7.7M (up 30.9% YoY) (32.5% margin).
Key Financial Metrics
| Total Revenue | $23.8M |
|---|---|
| Net Profit | $7.7M |
| Gross Margin | N/A |
| Operating Margin | 46.1% |
| Report Period | Q4 FY2025 |
CHEMUNG FINANCIAL CORP Annual Revenue by Year
CHEMUNG FINANCIAL CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $88.4M).
CHEMUNG FINANCIAL CORP Quarterly Revenue & Net Profit History
CHEMUNG FINANCIAL CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $23.8M | +20.3% | $7.7M | 32.5% |
| Q3 FY2025 | $28.8M | +18.4% | $7.8M | 27.1% |
| Q2 FY2025 | $10.1M | -56.7% | $-6.5M | -63.9% |
| Q1 FY2025 | $25.7M | +8.3% | $6.0M | 23.4% |
| Q4 FY2024 | $25.9M | +8.9% | $5.9M | 29.8% |
| Q3 FY2024 | $24.3M | -5.9% | $5.7M | 23.5% |
| Q2 FY2024 | $23.4M | -2.8% | $5.0M | 21.3% |
| Q1 FY2024 | $23.7M | -6.4% | $7.0M | 29.7% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.7M | $23.4M | $24.3M | $25.9M | $25.7M | $10.1M | $28.8M | $23.8M |
| YoY Growth | -6.4% | -2.8% | -5.9% | 8.9% | 8.3% | -56.7% | 18.4% | 20.3% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.78B | $2.76B | $2.77B | $2.78B | $2.80B | $2.85B | $2.70B | $2.71B |
| Liabilities | $2.59B | $2.55B | $2.55B | $2.56B | $2.57B | $2.62B | $2.45B | $2.46B |
| Equity | $197.1M | $201.2M | $220.7M | $215.3M | $228.3M | $235.0M | $245.3M | $254.7M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $7.9M | $6.5M | $9.2M | $29.8M | $7.2M | $9.7M | $12.2M | $45.5M |