CHEMUNG FINANCIAL CORP
Chemung Financial Corporation (NASDAQ: CHMG) operates as a bank holding company headquartered in Elmira, New York, providing comprehensive financial services through its principal subsidiary, Chemung Canal Trust Company, and financial services subsidiary CFS Group, Inc. The corporation's website is… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What CHEMUNG FINANCIAL CORP does
In the company’s own words
Chemung Financial Corporation (NASDAQ: CHMG) operates as a bank holding company headquartered in Elmira, New York, providing comprehensive financial services through its principal subsidiary, Chemung Canal Trust Company, and financial services subsidiary CFS Group, Inc. The corporation's website is www.chemungcanal.com.
The company traces its origins to 1833 when Chemung Canal Bank was established, evolving through various reorganizations and name changes to become Chemung Canal Trust Company in 1903. Chemung Financial Corporation was incorporated in 1985 to acquire the bank and achieved financial holding company status in 2000, enabling expansion into insurance products, mutual funds, and brokerage services. The corporation has grown through two whole bank acquisitions, including Canton Bancorp in 2009 and Fort Orange Financial Corp in 2011, along with multiple branch acquisitions across New York and Pennsylvania.
As of December 31, 2025, the corporation managed $2.710 billion in consolidated assets, $2.270 billion in loans, $2.271 billion in deposits, and $254.7 million in shareholders' equity. The company operates 30 branch offices across 13 counties in New York and Bradford County, Pennsylvania, employing 348 full-time equivalent employees. The bank operates under three regional brands: Chemung Canal Trust Company in its legacy markets, Capital Bank in Albany, Saratoga, and Schenectady counties, and Canal Bank in Erie County.
Core business activities include demand and savings deposits, commercial and industrial lending, commercial and residential mortgages, consumer loans, wealth management services, and investment advisory offerings. The wealth management group manages or administers $2.338 billion in assets. The bank maintains a traditional community banking model emphasizing relationship-based lending and local deposit gathering, competing across diverse markets including government-centered regions, technology hubs, university towns, and manufacturing centers.
The corporation's growth strategy focuses on leveraging its branch and digital network to build client relationships and grow loans and deposits through organic expansion and strategic acquisitions, emphasizing stable, low-cost deposit funding and high-quality loan origination.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- ELMIRA, NY
- Fiscal year end
- December
- CIK
- 763563
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns CHEMUNG FINANCIAL CORP — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · CHEMUNG FINANCIAL CORP’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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