Chemung Financial Corp income statement
In fiscal 2025, Chemung Financial Corp reported revenue of $95.1m, down 2.2% on the year before and net income of $15.1m, or $3.14 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.
Income statement
| Fiscal year | 2009Dec 2009 | 2010Dec 2010 | 2011Dec 2011 | 2012Dec 2012 | 2013Dec 2013 | 2014Dec 2014 | 2015Dec 2015 | 2016Dec 2016 | 2017Dec 2017 | 2018Dec 2018 | 2019Dec 2019 | 2020Dec 2020 | 2021Dec 2021 | 2022Dec 2022 | 2023Dec 2023 | 2024Dec 2024 | 2025Dec 2025 | LTMJun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 49 | 54 | 61 | 64 | 65 | 76 | 71 | 73 | 77 | 84 | 81 | 84 | 89 | 96 | 99 | 97 | 95 | 120 |
| Interest expense | 11 | 8 | 7 | 5 | 4 | 4 | 4 | 4 | 3 | 4 | 6 | 4 | 3 | 7 | 39 | — | — | — |
| Net interest income | 33 | 35 | 44 | 47 | 47 | 50 | 51 | 52 | 57 | 60 | 61 | 63 | 66 | 74 | 74 | 74 | 87 | 95 |
| Non-interest income | 16 | 20 | 17 | 17 | 18 | 27 | 20 | 21 | 20 | 23 | 20 | 21 | 24 | 21 | 25 | 23 | 8 | 26 |
| Non-interest expense | 39 | 38 | 45 | 47 | 49 | 60 | 55 | 57 | 54 | 57 | 56 | 56 | 56 | 59 | 64 | 67 | 71 | 73 |
| Provision for credit losses | 2 | 1 | −1 | −1 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 4 | 0 | −1 | 3 | −0 | 4 | 3 |
| Income before tax | 7 | 15 | 16 | 16 | 13 | 12 | 14 | 14 | 15 | 24 | 19 | 24 | 34 | 37 | 32 | 30 | 20 | 44 |
| Income tax | 2 | 5 | 5 | 5 | 4 | 4 | 5 | 4 | 7 | 4 | 3 | 5 | 7 | 8 | 7 | 6 | 5 | 11 |
| Net income | 5 | 10 | 11 | 11 | 9 | 8 | 9 | 10 | 7 | 20 | 16 | 19 | 26 | 29 | 25 | 24 | 15 | 34 |
| Diluted EPS | — | — | $2.40 | $2.38 | $1.87 | $1.74 | $2.00 | $2.11 | $1.55 | $4.06 | $3.21 | $4.01 | $5.64 | $6.13 | $5.28 | $4.96 | $3.14 | $6.96 |
| Diluted shares (average) | 4m | 4m | 4m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m | 5m |
| Quarter | 2024 Q3Sept 2024 | 2024 Q4Dec 2024 | 2025 Q1Mar 2025 | 2025 Q2Jun 2025 | 2025 Q3Sept 2025 | 2025 Q4Dec 2025 | 2026 Q1Mar 2026 | 2026 Q2Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 24 | 26 | 26 | 10 | 29 | 31 | 30 | 31 |
| Net interest income | 18 | 20 | 20 | 21 | 23 | 24 | 24 | 25 |
| Non-interest income | 6 | 6 | 6 | −11 | 6 | 7 | 6 | 7 |
| Non-interest expense | 17 | 18 | 17 | 18 | 18 | 18 | 17 | 19 |
| Provision for credit losses | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Income before tax | 7 | 8 | 8 | −9 | 10 | 11 | 12 | 11 |
| Income tax | 2 | 2 | 2 | −2 | 2 | 3 | 3 | 2 |
| Net income | 6 | 6 | 6 | −6 | 8 | 8 | 9 | 9 |
| Diluted EPS | $1.19 | $1.24 | $1.26 | −$1.35 | $1.62 | $1.61 | $1.91 | $1.82 |
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