CHEMUNG FINANCIAL CORP
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $38.6M | $7.3M | $3.4M |
| Pretax income | $19.9M | $30.1M | $31.5M | $36.9M | $33.8M |
| Income tax expense | $4.8M | $6.4M | $6.5M | $8.1M | $7.3M |
| Net income | $15.1M | $23.7M | $25.0M | $28.8M | $26.4M |
| Balance Sheet | |||||
| Cash and equivalents | $50.1M | $47.0M | $36.8M | $55.9M | $27.0M |
| Total assets | $2.7B | $2.8B | $2.7B | $2.6B | $2.4B |
| Total liabilities | $2.5B | $2.6B | $2.5B | $2.5B | $2.2B |
| Stockholders' equity | $254.7M | $215.3M | $195.2M | $166.4M | $211.5M |
| Cash Flow Statement | |||||
| Cash from operations | $45.5M | $29.8M | $30.9M | $35.0M | $35.5M |
| Depreciation and amortization | $1.9M | $1.8M | $2.0M | $2.2M | $2.5M |
| Capital expenditure | $1.7M | $3.6M | $462,000 | $426,000 | $367,000 |
| Free cash flow | $43.8M | $26.2M | $30.4M | $34.6M | $35.1M |
| Dividends paid | $6.3M | $7.4M | $5.8M | $5.8M | $5.3M |
| Share repurchases | $396,000 | $344,000 | $316,000 | $933,000 | $1.6M |
Shares outstanding 4.8M · Free float 87.3%
Annual filing data through FY ended December 31, 2025; float as of July 8, 2026.