
Chemung Financial Corporation
NASDAQ:CHMG
49.79 (USD) • At close July 1, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue
| 149.612 | 136.576 | 101.91 | 91.841 | 86.858 | 86.218 | 86.764 | 79.852 | 76.648 | 73.998 | 79.158 | 67.491 | 68.476 | 67.57 | 62.246 | 62.442 | 63.38 | 60.504 | 53.937 | 48.973 | 50.471 | 52.05 | 54.544 | 59.329 | 58.01 | 53.582 | 26.683 | 24.416 | 22.89 | 21.527 | 16.585 | 16.811 |
Cost of Revenue
| 53.459 | 41.879 | 6.742 | 3.436 | 8.227 | 12.266 | 7.226 | 12.09 | 6.276 | 5.173 | 7.626 | 6.787 | 6.062 | 7.691 | 9.341 | 13.785 | 16.22 | 19.194 | 15.204 | 12.522 | 12.446 | 17.54 | 20.378 | 22.792 | 22.805 | 19.4 | 18.466 | 16.948 | 15.784 | 14.791 | 10.9 | 10.692 |
Gross Profit
| 96.153 | 94.697 | 95.168 | 88.405 | 78.631 | 73.952 | 79.538 | 67.762 | 70.372 | 68.825 | 71.532 | 60.704 | 62.414 | 59.879 | 52.905 | 48.657 | 47.16 | 41.31 | 38.733 | 36.451 | 38.025 | 34.51 | 34.167 | 36.537 | 35.205 | 34.182 | 8.217 | 7.468 | 7.105 | 6.736 | 5.685 | 6.119 |
Gross Profit Ratio
| 0.643 | 0.693 | 0.934 | 0.963 | 0.905 | 0.858 | 0.917 | 0.849 | 0.918 | 0.93 | 0.904 | 0.899 | 0.911 | 0.886 | 0.85 | 0.779 | 0.744 | 0.683 | 0.718 | 0.744 | 0.753 | 0.663 | 0.626 | 0.616 | 0.607 | 0.638 | 0.308 | 0.306 | 0.31 | 0.313 | 0.343 | 0.364 |
Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
General & Administrative Expenses
| 37.751 | 35.652 | 32.43 | 31.907 | 30.79 | 29.859 | 28.988 | 28.222 | 26.997 | 28.206 | 28.164 | 26.17 | 25.349 | 22.901 | 20.407 | 25.743 | 20.288 | 14.639 | 13.521 | 13.251 | 3.353 | 12.234 | 12.3 | 11.844 | 10.749 | 10.566 | 8.29 | 8.042 | 7.927 | 9.873 | 8.673 | 8.162 |
Selling & Marketing Expenses
| 1.182 | 0.923 | 0.941 | 0.792 | 0.631 | 0.932 | 1.181 | 0.794 | 0.877 | 0.899 | 1.079 | 1.033 | 1.068 | 1.037 | 0.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SG&A
| 38.933 | 36.575 | 33.371 | 32.699 | 31.421 | 30.791 | 30.169 | 29.016 | 27.874 | 29.105 | 29.243 | 27.203 | 26.417 | 23.938 | 21.337 | 25.743 | 20.288 | 14.639 | 13.521 | 13.251 | 3.353 | 12.234 | 12.3 | 11.844 | 10.749 | 10.566 | 8.29 | 8.042 | 7.927 | 9.873 | 8.673 | 8.162 |
Other Expenses
| 27.135 | 26.621 | 24.908 | 21.946 | 23.341 | 24.118 | 25.734 | 24.054 | 28.067 | 25.629 | 30.423 | 20.948 | 19.59 | 20.37 | 16.361 | 15.821 | 14.483 | 15.881 | 16.002 | 14.064 | 22.129 | 12.786 | 13.105 | 12.208 | 11.707 | 11.065 | -10.756 | -11.098 | -10.246 | -11.599 | -9.978 | -10.3 |
Operating Expenses
| 66.068 | 63.196 | 58.279 | 54.645 | 54.762 | 54.909 | 55.903 | 53.07 | 55.941 | 54.734 | 59.666 | 48.151 | 46.007 | 44.308 | 37.698 | 41.564 | 34.771 | 30.52 | 29.523 | 27.316 | 25.482 | 25.02 | 25.405 | 24.052 | 22.456 | 21.631 | -2.466 | -3.056 | -2.319 | -1.726 | -1.305 | -2.138 |
Operating Income
| 30.085 | 31.501 | 36.889 | 33.76 | 23.869 | 19.043 | 23.635 | 14.692 | 14.431 | 14.091 | 11.866 | 12.553 | 16.407 | 15.571 | 15.207 | 7.093 | 12.388 | 10.789 | 9.21 | 9.136 | 12.543 | 9.49 | 8.761 | 12.485 | 12.749 | 12.551 | 10.683 | 10.524 | 9.424 | 8.461 | 6.99 | 8.257 |
Operating Income Ratio
| 0.201 | 0.231 | 0.362 | 0.368 | 0.275 | 0.221 | 0.272 | 0.184 | 0.188 | 0.19 | 0.15 | 0.186 | 0.24 | 0.23 | 0.244 | 0.114 | 0.195 | 0.178 | 0.171 | 0.187 | 0.249 | 0.182 | 0.161 | 0.21 | 0.22 | 0.234 | 0.4 | 0.431 | 0.412 | 0.393 | 0.421 | 0.491 |
Total Other Income Expenses Net
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income Before Tax
| 30.085 | 31.501 | 36.889 | 33.76 | 23.869 | 19.043 | 23.635 | 14.692 | 14.431 | 14.091 | 11.866 | 12.553 | 16.406 | 15.571 | 15.207 | 7.093 | 12.388 | 10.789 | 9.21 | 9.136 | 12.543 | 9.49 | 8.761 | 12.485 | 12.749 | 12.551 | 10.683 | 10.524 | 9.424 | 8.461 | 6.99 | 8.257 |
Income Before Tax Ratio
| 0.201 | 0.231 | 0.362 | 0.368 | 0.275 | 0.221 | 0.272 | 0.184 | 0.188 | 0.19 | 0.15 | 0.186 | 0.24 | 0.23 | 0.244 | 0.114 | 0.195 | 0.178 | 0.171 | 0.187 | 0.249 | 0.182 | 0.161 | 0.21 | 0.22 | 0.234 | 0.4 | 0.431 | 0.412 | 0.393 | 0.421 | 0.491 |
Income Tax Expense
| 6.414 | 6.501 | 8.106 | 7.335 | 4.607 | 3.434 | 4.009 | 7.262 | 4.404 | 4.658 | 3.709 | 3.822 | 5.384 | 5.033 | 5.105 | 1.861 | 4.035 | 3.53 | 2.621 | 2.546 | 3.811 | 2.537 | 2.222 | 3.992 | 3.994 | 4.159 | 3.386 | 3.667 | 3.267 | 2.859 | 2.343 | 2.83 |
Net Income
| 23.671 | 25 | 28.783 | 26.425 | 19.262 | 15.609 | 19.626 | 7.43 | 10.027 | 9.433 | 8.157 | 8.731 | 11.022 | 10.538 | 10.102 | 5.233 | 8.354 | 7.259 | 6.589 | 6.59 | 8.733 | 6.953 | 6.54 | 8.493 | 8.755 | 8.392 | 7.297 | 6.857 | 6.158 | 5.602 | 4.648 | 4.494 |
Net Income Ratio
| 0.158 | 0.183 | 0.282 | 0.288 | 0.222 | 0.181 | 0.226 | 0.093 | 0.131 | 0.127 | 0.103 | 0.129 | 0.161 | 0.156 | 0.162 | 0.084 | 0.132 | 0.12 | 0.122 | 0.135 | 0.173 | 0.134 | 0.12 | 0.143 | 0.151 | 0.157 | 0.273 | 0.281 | 0.269 | 0.26 | 0.28 | 0.267 |
EPS
| 4.96 | 5.28 | 6.13 | 5.64 | 4.01 | 3.21 | 4.06 | 2.16 | 2.11 | 2 | 1.83 | 1.87 | 2.38 | 2.4 | 2.8 | 1.45 | 2.32 | 2.02 | 1.81 | 1.79 | 2.32 | 1.82 | 1.66 | 2.1 | 2.14 | 2.03 | 1.77 | 1.66 | 1.48 | 1.34 | 1.23 | 1.19 |
EPS Diluted
| 4.96 | 5.28 | 6.13 | 5.64 | 4.01 | 3.21 | 4.06 | 2.16 | 2.11 | 2 | 1.83 | 1.87 | 2.38 | 2.4 | 2.8 | 1.45 | 2.32 | 2.02 | 1.81 | 1.79 | 2.32 | 1.82 | 1.66 | 2.1 | 2.14 | 2.03 | 1.77 | 1.66 | 1.48 | 1.34 | 1.23 | 1.19 |
EBITDA
| 32.101 | 34.303 | 39.915 | 37.263 | 28.127 | 23.476 | 27.806 | 19.255 | 19.622 | 19.271 | 17.037 | 16.71 | 20.4 | 19.474 | 18.716 | 10.82 | 16.429 | 14.087 | 12.324 | 12.169 | 15.635 | 13.484 | 11.831 | 14.528 | 14.988 | 15.079 | 12.73 | 12.007 | 10.865 | 9.712 | 7.976 | 9.228 |
EBITDA Ratio
| 0.215 | 0.251 | 0.392 | 0.406 | 0.324 | 0.272 | 0.32 | 0.241 | 0.256 | 0.26 | 0.215 | 0.248 | 0.298 | 0.288 | 0.301 | 0.173 | 0.259 | 0.233 | 0.228 | 0.248 | 0.31 | 0.259 | 0.217 | 0.245 | 0.258 | 0.281 | 0.477 | 0.492 | 0.475 | 0.451 | 0.481 | 0.549 |