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Companies / Financials / Chemung Financial Corporation
CHMG

Chemung Financial Corporation

FinancialsBanks & Brokers
Ticker CHMGELMIRA, NYFiscal year ends DecemberBook value per share $56.59Diluted shares 4.8M

Chemung Financial Corporation (Nasdaq: CHMG) is a financial holding company that provides banking and other financial services through Chemung Canal Trust Company and its financial-services subsidiary, CFS Group. Its offerings include deposit accounts, commercial, residential and consumer loans, wealth management,… From the company’s description.

Over the twelve months to Sep 30, 2026, Chemung Financial Corporation reported revenue of $123.58M, up 36.6% from a year earlier, and net income of $38.46M. Its pre-tax margin was 41.0%. In fiscal 2025, it reported revenue of $95.10M, down 2.2% from fiscal 2024, and net income of $15.10M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$95.10MFY2025
−2.2% year over year
Last 12 mo $123.58M
20.96%FY2025
−10 percentage points
Last 12 mo 40.97%
$15.10MFY2025
−36.2% year over year
Last 12 mo $38.46M
5.93%FY2025
−5.1 percentage points
Last 12 mo 14.06%
Cash & financing
$45.50MFY2025
+52.6% year over year
Last 12 mo $46.02M
$43.81MFY2025
+67.3% year over year
Last 12 mo $44.30M
9.10FY2025
Was 11.15× a year earlier
Last 12 mo 9.20
4.8MFY2025
+0.7% year over year
Last 12 mo 4.8M

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 Corporation does

In the company’s own words

Chemung Financial Corporation (Nasdaq: CHMG) is a financial holding company that provides banking and other financial services through Chemung Canal Trust Company and its financial-services subsidiary, CFS Group. Its offerings include deposit accounts, commercial, residential and consumer loans, wealth management, employee benefit services, insurance, mutual funds, brokerage and tax preparation. The bank serves consumers, businesses, municipalities and other clients in New York and Pennsylvania, with wealth management services including trust, investment, estate-planning and employee-benefit administration. The company operates through its banking and financial-services businesses; the bank also uses the Capital Bank and Canal Bank regional brands alongside Chemung Canal Trust Company. Its community bank has 30 branches across 13 New York counties and Bradford County, Pennsylvania. At December 31, 2025, the company had $2.710 billion in consolidated assets and $2.338 billion in wealth assets under management or administration. Its banking history dates to 1833, and its current footprint reflects acquisitions and branch expansion, including entry into western New York in 2021. Its website is www.chemungcanal.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
ELMIRA, NY
Fiscal year end
December
CIK
763563
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-12.36M$24.72M$61.79M$98.86M$135.93M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The 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.

Ownership

Who owns Chemung Financial Corporation — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

126
funds hold it
0 of 35
superinvestors hold it
$68.51M
held by funds, at market
20.0%
of shares held by funds

Largest fund holders · Chemung Financial Corporation’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
Regional Bank Fund
FRBAX · John Hancock Investment Trust II
—of fund net assets
—of fund net assets

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.

Connected research

Put this business in context.

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  • “How do Chemung Financial Corporation and its peers compare on margins and cash generation over ten years?”
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