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Side-by-side financial comparison of CHEMUNG FINANCIAL CORP (CHMG) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $23.8M, roughly 2.0× CHEMUNG FINANCIAL CORP). CHEMUNG FINANCIAL CORP runs the higher net margin — 32.5% vs -33.9%, a 66.4% gap on every dollar of revenue. On growth, CHEMUNG FINANCIAL CORP posted the faster year-over-year revenue change (20.3% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 0.2%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
CHMG vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.8M | $47.1M |
| Net Profit | $7.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 46.1% | -17.7% |
| Net Margin | 32.5% | -33.9% |
| Revenue YoY | 20.3% | -15.6% |
| Net Profit YoY | 30.9% | 68.8% |
| EPS (diluted) | $1.61 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $28.8M | $38.2M | ||
| Q2 25 | $10.1M | $38.4M | ||
| Q1 25 | $25.7M | $32.5M | ||
| Q4 24 | $25.9M | $55.8M | ||
| Q3 24 | $24.3M | $29.3M | ||
| Q2 24 | $23.4M | $34.0M | ||
| Q1 24 | $23.7M | $25.5M |
| Q4 25 | $7.7M | $-16.0M | ||
| Q3 25 | $7.8M | $-23.8M | ||
| Q2 25 | $-6.5M | $202.5M | ||
| Q1 25 | $6.0M | $-25.0M | ||
| Q4 24 | $5.9M | $-51.1M | ||
| Q3 24 | $5.7M | $-148.3M | ||
| Q2 24 | $5.0M | $-582.3M | ||
| Q1 24 | $7.0M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 46.1% | -17.7% | ||
| Q3 25 | 35.0% | -33.6% | ||
| Q2 25 | -87.2% | -34.8% | ||
| Q1 25 | 29.9% | -65.0% | ||
| Q4 24 | 29.0% | -84.4% | ||
| Q3 24 | 29.8% | -493.2% | ||
| Q2 24 | 26.8% | -1705.5% | ||
| Q1 24 | 38.3% | -267.0% |
| Q4 25 | 32.5% | -33.9% | ||
| Q3 25 | 27.1% | -62.2% | ||
| Q2 25 | -63.9% | 527.8% | ||
| Q1 25 | 23.4% | -76.9% | ||
| Q4 24 | 29.8% | -91.6% | ||
| Q3 24 | 23.5% | -506.3% | ||
| Q2 24 | 21.3% | -1712.6% | ||
| Q1 24 | 29.7% | -283.9% |
| Q4 25 | $1.61 | $-4.40 | ||
| Q3 25 | $1.62 | $-2.84 | ||
| Q2 25 | $-1.35 | $-1.79 | ||
| Q1 25 | $1.26 | $-0.15 | ||
| Q4 24 | $1.24 | $-15.29 | ||
| Q3 24 | $1.19 | $-18.24 | ||
| Q2 24 | $1.05 | $-71.81 | ||
| Q1 24 | $1.48 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.7M | $-249.4M |
| Total Assets | $2.7B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $50.1M | $48.9M | ||
| Q3 25 | $107.6M | $43.1M | ||
| Q2 25 | $320.1M | $40.8M | ||
| Q1 25 | $53.4M | $58.6M | ||
| Q4 24 | $47.0M | $56.3M | ||
| Q3 24 | $80.4M | $75.4M | ||
| Q2 24 | $70.2M | $89.6M | ||
| Q1 24 | $94.9M | $112.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $99.1M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $254.7M | $-249.4M | ||
| Q3 25 | $245.3M | $-235.7M | ||
| Q2 25 | $235.0M | $-214.1M | ||
| Q1 25 | $228.3M | $-417.5M | ||
| Q4 24 | $215.3M | $-398.4M | ||
| Q3 24 | $220.7M | $-344.1M | ||
| Q2 24 | $201.2M | $-203.2M | ||
| Q1 24 | $197.1M | $371.6M |
| Q4 25 | $2.7B | $308.9M | ||
| Q3 25 | $2.7B | $362.6M | ||
| Q2 25 | $2.9B | $379.2M | ||
| Q1 25 | $2.8B | $405.1M | ||
| Q4 24 | $2.8B | $437.4M | ||
| Q3 24 | $2.8B | $537.8M | ||
| Q2 24 | $2.8B | $691.5M | ||
| Q1 24 | $2.8B | $1.3B |
| 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 | $8.2M |
| Free Cash FlowOCF − Capex | $43.8M | — |
| FCF MarginFCF / Revenue | 183.7% | — |
| Capex IntensityCapex / Revenue | 7.1% | — |
| Cash ConversionOCF / Net Profit | 5.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $71.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.5M | $8.2M | ||
| Q3 25 | $12.2M | $11.4M | ||
| Q2 25 | $9.7M | $-21.3M | ||
| Q1 25 | $7.2M | $8.5M | ||
| Q4 24 | $29.8M | $-14.7M | ||
| Q3 24 | $9.2M | $-9.4M | ||
| Q2 24 | $6.5M | $-11.9M | ||
| Q1 24 | $7.9M | $-621.0K |
| Q4 25 | $43.8M | — | ||
| Q3 25 | $11.8M | — | ||
| Q2 25 | $9.4M | — | ||
| Q1 25 | $6.9M | — | ||
| Q4 24 | $26.2M | — | ||
| Q3 24 | $8.6M | — | ||
| Q2 24 | $5.5M | — | ||
| Q1 24 | $7.9M | — |
| Q4 25 | 183.7% | — | ||
| Q3 25 | 41.1% | — | ||
| Q2 25 | 92.9% | — | ||
| Q1 25 | 26.7% | — | ||
| Q4 24 | 101.2% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 23.4% | — | ||
| Q1 24 | 33.1% | — |
| Q4 25 | 7.1% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 3.6% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 14.0% | — | ||
| Q3 24 | 2.5% | — | ||
| Q2 24 | 4.4% | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | 5.88× | — | ||
| Q3 25 | 1.57× | — | ||
| Q2 25 | — | -0.11× | ||
| Q1 25 | 1.19× | — | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.30× | — | ||
| Q1 24 | 1.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
