Chemung Financial Corp. (CHMG)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 763563 · fiscal year ends in Dec
Closing price $86.33 on 30 Oct 2026; 52-week range $50.35 to $87.36.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $120.4M
- Revenue growth
- 40.0%
- Net income, last twelve months
- $33.5M
- Earnings per share
- $6.96
- Net margin
- 27.9%
- Free cash flow
- $45.4M
- Return on equity
- 12.4%
- Market value
- $416.2M
- Price to earnings
- 12.4x
- Dividend yield
- 1.6%
- Cash
- $73.1M
- Debt
- $133.7M
- Debt to equity
- 0.49
- Shares outstanding
- 4.8M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $95.1M | – | $15.1M | $3.14 | $43.8M | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $97.3M | – | $23.7M | $4.96 | $26.2M | 10-K filed 14 Mar 2025 |
| FY2023 | 31 Dec 2023 | $99.0M | – | $25.0M | $5.28 | $30.4M | 10-K filed 13 Mar 2024 |
| FY2022 | 31 Dec 2022 | $95.6M | – | $28.8M | $6.13 | $34.6M | 10-K filed 22 Mar 2023 |
| FY2021 | 31 Dec 2021 | $89.5M | – | $26.4M | $5.64 | $35.1M | 10-K filed 23 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $31.2M | $8.8M | $1.82 |
| Q1 FY2026 | 31 Mar 2026 | $29.9M | $9.2M | $1.91 |
| Q4 FY2025 | 31 Dec 2025 | $30.5M | $7.7M | $1.61 |
| Q3 FY2025 | 30 Sep 2025 | $28.8M | $7.8M | $1.62 |
| Q2 FY2025 | 30 Jun 2025 | $10.1M | -$6.5M | -$1.35 |
| Q1 FY2025 | 31 Mar 2025 | $25.7M | $6.0M | $1.26 |
| Q4 FY2024 | 31 Dec 2024 | $25.9M | $5.9M | $1.24 |
| Q3 FY2024 | 30 Sep 2024 | $24.3M | $5.7M | $1.19 |
Company events
The newest 8-K filings of 321 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 22 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 1 Oct 2026 | 8-K | Other events | 8.01, 9.01 |
| 19 Aug 2026 | 8-K | Other events | 8.01, 9.01 |
| 27 Jul 2026 | 8-K | Investor update | 7.01, 9.01 |
| 22 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 2 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 21 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 8 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 17 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 7 Apr 2026 | 8-K | Other events | 8.01, 9.01 |
| 17 Feb 2026 | 8-K | Other events | 8.01, 9.01 |
| 2 Feb 2026 | 8-K | Investor update | 7.01, 9.01 |
Every filing
The newest filings with the SEC of 573 held.
| Filed | Form | Period |
|---|---|---|
| 22 Oct 2026 | 8-K | 22 Oct 2026 |
| 1 Oct 2026 | 8-K | 1 Oct 2026 |
| 19 Aug 2026 | 8-K | 19 Aug 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 27 Jul 2026 | 8-K | 27 Jul 2026 |
| 22 Jul 2026 | 8-K | 22 Jul 2026 |
| 10 Jun 2026 | 11-K | 31 Dec 2025 |
| 2 Jun 2026 | 8-K | 2 Jun 2026 |
| 21 May 2026 | 8-K | 21 May 2026 |
| 8 May 2026 | 8-K | 8 May 2026 |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 23 Apr 2026 | DEFA14A | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 16 Sep 2026 | Cole Loren D, EVP & CIO | Sale outside a trading plan | 5,160 | $83.50 | $430.8K | 5,164 | 17 Sep 2026 |
| 27 Apr 2026 | Tyrrell Thomas R., Director | Sale outside a trading plan | 248 | $65.83 | $16.3K | 8,590 | 27 Apr 2026 |
| 27 Apr 2026 | Tyrrell Thomas R., Director | Sale outside a trading plan | 540 | $65.10 | $35.2K | 8,050 | 27 Apr 2026 |
| 26 Feb 2026 | Dalrymple Robert H, Director | Sale outside a trading plan | 2,833 | $56.56 | $160.2K | 1,351 | 26 Feb 2026 |
| 4 Feb 2026 | Fariello Daniel D, President, Capital Bank Div. | Sale outside a trading plan | 748 | $61.13 | $45.7K | 7,110 | 5 Feb 2026 |
| 3 Feb 2026 | Fariello Daniel D, President, Capital Bank Div. | Sale outside a trading plan | 242 | $61.57 | $14.9K | 7,858 | 4 Feb 2026 |
| 2 Feb 2026 | Tyrrell Thomas R., Director | Sale outside a trading plan | 500 | $61.00 | $30.5K | 8,800 | 2 Feb 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 15 Sep 2026 | COLE LOREN D, Officer | 5,160 | $433.4K | 16 Sep 2026 |
| 25 Feb 2026 | Dalrymple Robert H, Director | 2,833 | $170.0K | 20 Feb 2026 |
| 3 Feb 2026 | Daniel D. Fariello, Executive VP & President of Central Bank Division | 990 | $58.4K | 4 Feb 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 27 Jul 2026 | BlackRock, Inc. | 13G | 5.3% | 254.4K |
| 15 Jul 2026 | CHEMUNG CANAL TRUST CO | 13G amended | 6.3% | 305.1K |
| 13 Feb 2026 | Dalrymple Family Limited Partnership | 13G amended | 5.7% | 272.0K |
| 13 Nov 2025 | Dalrymple Family Limited Partnership | 13G amended | 6.4% | 305.5K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 182.0K | +20.12% | 2.59 |
| 30 Sep 2026 | 151.5K | +3.59% | 1.75 |
| 15 Sep 2026 | 146.2K | +44.87% | 2.12 |
| 31 Aug 2026 | 100.9K | +41.19% | 2.07 |
| 14 Aug 2026 | 71.5K | +19.29% | 1.14 |
| 31 Jul 2026 | 59.9K | -32.6% | 1 |
| 15 Jul 2026 | 88.9K | +10.08% | 1.47 |
| 30 Jun 2026 | 80.8K | +94.58% | 1.61 |
Funds that hold it
From each fund's latest Form 13F.
110 funds held it at 30 Jun 2026: 56 added and 20 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 391,487 | $29.2M | +29,660 |
| Chemung Canal Trust Co. | 284,776 | $21.2M | -1,376 |
| Dimensional Fund Advisors LP | 186,549 | $13.9M | +4,708 |
| Vanguard Capital Management LLC | 164,331 | $12.3M | -8,913 |
| Manufacturers Life Insurance Company, the | 162,219 | $12.1M | +4,586 |
| PL Capital Advisors, LLC | 109,336 | $8.2M | 0 |
| Geode Capital Management, LLC | 98,104 | $7.3M | +7,640 |
| Acadian Asset Management LLC | 94,760 | $7.1M | +16,339 |
| State Street Corp. | 67,350 | $5.0M | +9,220 |
| Renaissance Technologies LLC | 60,679 | $4.5M | +19,457 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $115.9B
- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B