Chemung Financial CorporationCHMGNASDAQ

Revenue (LTM)

$140M

-6.5% YoY

Net Income (LTM)

$15M

-36.2% YoY

Free Cash Flow

$44M

Revenue CAGR (5Y)

+10.0%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	92	102↑11.0%	137↑34.0%	150↑9.5%	140↓6.5%
Gross Profit	88	95↑7.7%	95↓0.5%	96↑1.5%	90↓6.6%
Operating Income	34	37↑9.3%	32↓14.6%	30↓4.5%	20↓33.7%
Net Income	26	29↑8.9%	25↓13.1%	24↓5.3%	15↓36.2%
EBITDA	37	40↑7.1%	34↓14.1%	32↓6.4%	23↓29.6%
EPS Diluted	5.64	6.13↑8.7%	5.28↓13.9%	4.96↓6.1%	3.13↓36.9%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	27	56↑107.1%	37↓34.0%	47↑27.6%	23↓51.6%
Total Current Assets	851	748↓12.1%	621↓17.0%	469↓24.5%	303↓35.3%
Total Assets	2,418	2,646↑9.4%	2,711↑2.5%	2,776↑2.4%	2,710↓2.4%
Total Current Liabilities	2,185	2,424↑11.0%	2,463↑1.6%	2,506↑1.8%	2,271↓9.4%
Total Liabilities	2,207	2,479↑12.3%	2,515↑1.5%	2,561↑1.8%	2,456↓4.1%
Total Equity	211	166↓21.3%	195↑17.3%	215↑10.3%	255↑18.3%
Total Debt	26	106↑314.1%	41↓61.4%	119↑190.5%	5↓95.8%
Net Debt	-1	50↑3566.9%	4↓92.1%	71↑1709.7%	-18↓124.9%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	35	35↓1.2%	31↓11.9%	30↓3.5%	46↑53.7%
Capital Expenditure	-0	-0↓16.1%	-0↓8.5%	-4↓684.8%	-2↑53.5%
Free Cash Flow	35	35↓1.3%	30↓12.1%	26↓13.9%	44↑68.5%
Stock-Based Comp	1	1↑19.2%	1↑43.3%	1↑8.7%	0↓98.1%
Net Change in Cash	-82	29↑135.4%	-19↓165.8%	10↑153.6%	3↓69.9%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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