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Side-by-side financial comparison of CHEMUNG FINANCIAL CORP (CHMG) and FGI Industries Ltd. (FGI). Click either name above to swap in a different company.
FGI Industries Ltd. is the larger business by last-quarter revenue ($30.5M vs $23.8M, roughly 1.3× CHEMUNG FINANCIAL CORP). CHEMUNG FINANCIAL CORP runs the higher net margin — 32.5% vs -8.6%, a 41.1% gap on every dollar of revenue. On growth, CHEMUNG FINANCIAL CORP posted the faster year-over-year revenue change (20.3% vs -14.4%). CHEMUNG FINANCIAL CORP produced more free cash flow last quarter ($43.8M vs $2.3M). Over the past eight quarters, CHEMUNG FINANCIAL CORP's revenue compounded faster (0.2% CAGR vs -0.5%).
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.
FGI Industries Ltd is a global designer, manufacturer and distributor of kitchen and bath products, home organization solutions, and home improvement goods. It serves major retail chains, home specialty stores and e-commerce platforms across North America, Europe and the Asia-Pacific region.
CHMG vs FGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.8M | $30.5M |
| Net Profit | $7.7M | $-2.6M |
| Gross Margin | — | 26.7% |
| Operating Margin | 46.1% | -2.2% |
| Net Margin | 32.5% | -8.6% |
| Revenue YoY | 20.3% | -14.4% |
| Net Profit YoY | 30.9% | -553.1% |
| EPS (diluted) | $1.61 | $-1.63 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $23.8M | $30.5M | ||
| Q3 25 | $28.8M | $35.8M | ||
| Q2 25 | $10.1M | $31.0M | ||
| Q1 25 | $25.7M | $33.2M | ||
| Q4 24 | $25.9M | $35.6M | ||
| Q3 24 | $24.3M | $36.1M | ||
| Q2 24 | $23.4M | $29.4M | ||
| Q1 24 | $23.7M | $30.8M |
| Q4 25 | $7.7M | $-2.6M | ||
| Q3 25 | $7.8M | $-1.7M | ||
| Q2 25 | $-6.5M | $-1.2M | ||
| Q1 25 | $6.0M | $-629.1K | ||
| Q4 24 | $5.9M | $-402.3K | ||
| Q3 24 | $5.7M | $-550.1K | ||
| Q2 24 | $5.0M | $163.6K | ||
| Q1 24 | $7.0M | $-412.2K |
| Q4 25 | — | 26.7% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 28.1% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 27.4% |
| Q4 25 | 46.1% | -2.2% | ||
| Q3 25 | 35.0% | 1.0% | ||
| Q2 25 | -87.2% | -2.7% | ||
| Q1 25 | 29.9% | -3.9% | ||
| Q4 24 | 29.0% | -3.5% | ||
| Q3 24 | 29.8% | -0.2% | ||
| Q2 24 | 26.8% | -1.5% | ||
| Q1 24 | 38.3% | -1.0% |
| Q4 25 | 32.5% | -8.6% | ||
| Q3 25 | 27.1% | -4.6% | ||
| Q2 25 | -63.9% | -4.0% | ||
| Q1 25 | 23.4% | -1.9% | ||
| Q4 24 | 29.8% | -1.1% | ||
| Q3 24 | 23.5% | -1.5% | ||
| Q2 24 | 21.3% | 0.6% | ||
| Q1 24 | 29.7% | -1.3% |
| Q4 25 | $1.61 | $-1.63 | ||
| Q3 25 | $1.62 | $-0.86 | ||
| Q2 25 | $-1.35 | $-0.64 | ||
| Q1 25 | $1.26 | $-0.07 | ||
| Q4 24 | $1.24 | $-0.38 | ||
| Q3 24 | $1.19 | $-0.29 | ||
| Q2 24 | $1.05 | $0.08 | ||
| Q1 24 | $1.48 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $50.1M | $1.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.7M | $17.3M |
| Total Assets | $2.7B | $69.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $50.1M | $1.9M | ||
| Q3 25 | $107.6M | $1.9M | ||
| Q2 25 | $320.1M | $2.5M | ||
| Q1 25 | $53.4M | $1.2M | ||
| Q4 24 | $47.0M | $4.6M | ||
| Q3 24 | $80.4M | $3.0M | ||
| Q2 24 | $70.2M | $1.3M | ||
| Q1 24 | $94.9M | $3.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $99.1M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $254.7M | $17.3M | ||
| Q3 25 | $245.3M | $19.7M | ||
| Q2 25 | $235.0M | $21.3M | ||
| Q1 25 | $228.3M | $21.8M | ||
| Q4 24 | $215.3M | $22.3M | ||
| Q3 24 | $220.7M | $23.5M | ||
| Q2 24 | $201.2M | $23.8M | ||
| Q1 24 | $197.1M | $23.9M |
| Q4 25 | $2.7B | $69.5M | ||
| Q3 25 | $2.7B | $73.0M | ||
| Q2 25 | $2.9B | $71.7M | ||
| Q1 25 | $2.8B | $68.5M | ||
| Q4 24 | $2.8B | $75.5M | ||
| Q3 24 | $2.8B | $74.7M | ||
| Q2 24 | $2.8B | $69.9M | ||
| Q1 24 | $2.8B | $68.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.42× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $45.5M | $2.3M |
| Free Cash FlowOCF − Capex | $43.8M | $2.3M |
| FCF MarginFCF / Revenue | 183.7% | 7.5% |
| Capex IntensityCapex / Revenue | 7.1% | 0.2% |
| Cash ConversionOCF / Net Profit | 5.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $71.9M | $-212.5K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.5M | $2.3M | ||
| Q3 25 | $12.2M | $-1.9M | ||
| Q2 25 | $9.7M | $7.6M | ||
| Q1 25 | $7.2M | $-7.4M | ||
| Q4 24 | $29.8M | $617.4K | ||
| Q3 24 | $9.2M | $-915.0K | ||
| Q2 24 | $6.5M | $862.1K | ||
| Q1 24 | $7.9M | $-8.0M |
| Q4 25 | $43.8M | $2.3M | ||
| Q3 25 | $11.8M | $-2.1M | ||
| Q2 25 | $9.4M | $7.4M | ||
| Q1 25 | $6.9M | $-7.7M | ||
| Q4 24 | $26.2M | $-214.1K | ||
| Q3 24 | $8.6M | $-1.1M | ||
| Q2 24 | $5.5M | $281.5K | ||
| Q1 24 | $7.9M | $-8.6M |
| Q4 25 | 183.7% | 7.5% | ||
| Q3 25 | 41.1% | -5.9% | ||
| Q2 25 | 92.9% | 23.8% | ||
| Q1 25 | 26.7% | -23.3% | ||
| Q4 24 | 101.2% | -0.6% | ||
| Q3 24 | 35.2% | -3.0% | ||
| Q2 24 | 23.4% | 1.0% | ||
| Q1 24 | 33.1% | -28.0% |
| Q4 25 | 7.1% | 0.2% | ||
| Q3 25 | 1.4% | 0.7% | ||
| Q2 25 | 3.6% | 0.7% | ||
| Q1 25 | 1.3% | 1.1% | ||
| Q4 24 | 14.0% | 2.3% | ||
| Q3 24 | 2.5% | 0.5% | ||
| Q2 24 | 4.4% | 2.0% | ||
| Q1 24 | 0.3% | 2.0% |
| Q4 25 | 5.88× | — | ||
| Q3 25 | 1.57× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 1.19× | — | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.30× | 5.27× | ||
| Q1 24 | 1.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CHMG
Segment breakdown not available.
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
