Chemung Financial Corp (CHMG)
Operating cash flow minus capital spending left $43.8M of free cash flow in fiscal 2025. At September 30, 2026 it held $71.8M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about Chemung Financial Corp
- Net worth
- Chemung Financial Corp has a market value (market cap) of $416M at the latest share price, and shareholders' equity of $273.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $45.5M of cash; after $1.7M of capital spending, free cash flow was $43.8M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Chemung Financial Corp's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Chemung Financial Corp declared dividends of $1.32 per share in fiscal 2025, a yield of 1.53% at the current price.
What Chemung Financial Corp does
Chemung Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker CHMG.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $15.1M | $3.14 | $43.8M |
| 2024 | n/a | $23.7M | $4.96 | $26.2M |
| 2023 | n/a | $25M | $5.28 | $30.4M |
| 2022 | n/a | $28.8M | $6.13 | $34.6M |
| 2021 | n/a | $26.4M | $5.64 | $35.1M |
| 2020 | n/a | $19.3M | $4.01 | $27.8M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Chemung Financial Corp declared $1.32 per share in fiscal 2025. At the current price that is a yield of 1.53%. It paid out $6.3M in cash dividends, 42% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.32 | $6.3M | 42% |
| 2024 | $1.24 | $7.4M | 31% |
| 2023 | $1.24 | $5.8M | 23% |
| 2022 | $1.24 | $5.8M | 20% |
| 2021 | $1.19 | $5.3M | 20% |
| 2020 | $1.04 | $5M | 26% |
Latest SEC filings
What Chemung Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026
- November 3, 2026
- October 22, 2026
- October 1, 2026Other event 8-K
- August 19, 2026Other event 8-K
- August 6, 2026
- July 27, 2026Passive stake (5% or more) SCHEDULE 13G
- July 27, 2026
- July 22, 2026
- July 15, 2026Passive stake changed SCHEDULE 13G/A
Insider trades
What the people running Chemung Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $430.8K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 16, 2026 | Cole Loren DEVP & CIO | Soldindirect | 5,160 | $430.8K |
| August 10, 2026 | Calkins Timothy DExecutive Vice President | Received as pay | 308 | $25K |
| July 3, 2026 | McKim Dale M. IIIEVP, CFO & Treasurer | Shares withheld for tax | 187 | $13.9K |
| June 24, 2026 | Cutrona Vincent MEVP & President-Canal Bank Div | Shares withheld for tax | 98 | $7.3K |
| April 27, 2026 | Tyrrell Thomas R.Director | Sold | 248 | $16.3K |
| April 27, 2026 | Tyrrell Thomas R.Director | Sold | 540 | $35.2K |
| February 27, 2026 | Tomson AndersPresident & CEO, Director | Shares withheld for tax | 1,603 | $89K |
| February 27, 2026 | Hazelton Kimberly AExecutive Vice President | Shares withheld for tax | 104 | $5.8K |
Who owns CHMG
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Chemung Canal Trust Co13G, passive | 6.3% | July 15, 2026 |
| Dalrymple Family Limited Partnership13G, passive with 2 related filers | 5.7% | February 13, 2026 |
Largest institutional holders
Insiders
23 insiders reported holding 314,519 shares in total, about $27.1M at the last price.
| Holder | Shares |
|---|---|
| Bentley Ronald MDirector | 47,245 |
| Tomson AndersPresident & CEO, Director | 46,223 |
| Streeter Jeffrey BDirector | 33,322 |
| Tranter G. Thomas Jr.Director | 28,368 |
| Dalrymple David J.Director | 26,392 |
| Lounsberry Stephen M. IIIDirector | 23,433 |
| Forrestel Richard E JrDirector | 15,269 |
| Cole Loren DEVP & CIO | 11,5625,164 held indirectly |
| Kenefick Jeffrey P.Regional President | 11,464 |
| Buicko David MDirector | 8,986 |
Questions about CHMG
What does Chemung Financial Corp do?
Chemung Financial Corp is a company in the Finance sector, listed on NASDAQ as CHMG. Its shares trade on NASDAQ under the ticker CHMG.
What is Chemung Financial Corp's net worth?
Chemung Financial Corp has a market value (market cap) of $416M at the latest share price, and shareholders' equity of $273.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Chemung Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $38.5M.
When did Chemung Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is Chemung Financial Corp's next earnings report?
Chemung Financial Corp's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Chemung Financial Corp pay a dividend?
Yes. Chemung Financial Corp declared dividends of $1.32 per share in fiscal 2025, a yield of 1.53% at the current price.
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Where the numbers come from
Financial figures are the values Chemung Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.