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Apr 17, 2026·SEC
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Chemung Financial Corporation(CHMG)Earnings, Financials & Key Ratios
CHMG•NASDAQ•Banking & Credit
22.7× P/E·Price updated Jun 19, 2026
AboutChemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.Show more
- Net Interest Income$87M+17.7%
- Total Revenue$140M-6.5%
- Net Income$15M-36.2%
- Return on Equity6.43%-44.3%
- Net Interest Margin3.22%+20.5%
- Efficiency Ratio49.94%+13.1%
- ROA0.55%-36.2%
- Equity / Assets9.4%+21.2%
- Book Value per Share52.94+17.3%
CHMG Key Insights
Chemung Financial Corporation (CHMG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Efficient operations: 49.9% efficiency ratio
- ✓Momentum leader: RS Rating 81 (top 19%)
- ✓Trading near 52-week high
- ✓Trading at only 1.3x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CHMG Price & Volume
Chemung Financial Corporation (CHMG) stock price & volume — 10-year historical chart
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CHMG Growth Metrics
Chemung Financial Corporation (CHMG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.58%
5 Years10.01%
3 Years11.15%
TTM-
Profit CAGR
10 Years4.82%
5 Years-4.75%
3 Years-19.34%
TTM-36.19%
EPS CAGR
10 Years4.58%
5 Years-4.83%
3 Years-20.07%
TTM-37.02%
Return on Capital
10 Years11.11%
5 Years12.23%
3 Years10.23%
Last Year5.62%
CHMG Recent Earnings
Chemung Financial Corporation (CHMG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 17, 2026Metric
Actual
Est
EPS
$1.91+17.2%
$1.63
Rev
$30M+2.4%
$29M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$1.61
—
Rev
$41M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$1.61+0.6%
$1.60
Rev
$31M+3.5%
$29M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$1.62-3.6%
$1.68
Rev
$29M-3.3%
$29M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $1.91vs $1.63+17.2% | $30Mvs $29M+2.4% |
| Q2 2026 | Mar 13, 2026 | $1.61 | $41M |
| Q1 2026 | Jan 26, 2026 | $1.61vs $1.60+0.6% | $31Mvs $29M+3.5% |
| Q4 2025 | Oct 21, 2025 | $1.62vs $1.68-3.6% | $29Mvs $29M-3.3% |
Based on last 12 quarters of dataView full earnings history →
CHMG Peer Comparison
Chemung Financial Corporation (CHMG) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 | |
 PBHC | 103.86M | 16.87 | -31.24 | -5.19% | -4.32% | -2.75% | 0.89 | |
 CFFI | 255.12M | 78.36 | 9.45 | 11.78% | 14.6% | 10.82% | 0.44 | |
 AROW | 640.65M | 38.80 | 14.64 | 8.75% | 18.12% | 10.58% | 0.07 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 STBA | 1.72B | 46.84 | 13.42 | 0.63% | 23.61% | 9.25% | 0.21 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 |
Compare CHMG vs Peers
Chemung Financial Corporation (CHMG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CHMG Income Statement
Chemung Financial Corporation (CHMG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 56.99M | 60.48M | 60.61M | 62.92M | 65.59M | 74.18M | 74.46M | 74.06M | 87.16M |
NII Growth % | 8.9% | 6.13% | 0.22% | 3.81% | 4.24% | 13.1% | 0.37% | -0.53% | 17.69% |
Net Interest Margin % | 3.33% | 3.45% | 3.39% | 2.76% | 2.71% | 2.8% | 2.75% | 2.67% | 3.22% |
Interest Income | 60.05M | 64.55M | 66.93M | 66.91M | 69.01M | 81.47M | 113.07M | 127.56M | 132.84M |
Interest Expense | 3.07M | 4.07M | 6.32M | 3.99M | 3.42M | 7.3M | 38.62M | 53.51M | 45.68M |
Loan Loss Provision | 9.02M | 3.15M | 5.95M | 4.24M | 17K | -554K | 3.26M | -46K | 4.44M |
Non-Interest Income | 19.8M | 22.21M | 19.29M | 19.95M | 22.83M | 20.43M | 23.5M | 22.05M | 7.11M |
Non-Interest Income % | 24.79% | 25.6% | 22.37% | 22.97% | 24.86% | 20.05% | 17.21% | 14.74% | 5.08% |
Total Revenue | 79.85M▲ 0% | 86.76M▲ 8.7% | 86.22M▼ 0.6% | 86.86M▲ 0.7% | 91.84M▲ 5.7% | 101.91M▲ 11.0% | 136.58M▲ 34.0% | 149.61M▲ 9.5% | 139.94M▼ 6.5% |
Revenue Growth % | 4.18% | 8.66% | -0.63% | 0.74% | 5.74% | 10.96% | 34.02% | 9.54% | -6.46% |
Non-Interest Expense | 53.07M | 55.9M | 54.91M | 54.76M | 54.65M | 58.28M | 63.2M | 66.07M | 69.89M |
Efficiency Ratio | 66.46% | 64.43% | 63.69% | 63.05% | 59.5% | 57.19% | 46.27% | 44.16% | 49.94% |
Operating Income | 14.69M▲ 0% | 23.64M▲ 60.9% | 19.04M▼ 19.4% | 23.87M▲ 25.3% | 33.76M▲ 41.4% | 36.89M▲ 9.3% | 31.5M▼ 14.6% | 30.09M▼ 4.5% | 19.94M▼ 33.7% |
Operating Margin % | 18.4% | 27.24% | 22.09% | 27.48% | 36.76% | 36.2% | 23.06% | 20.11% | 14.25% |
Operating Income Growth % | 1.81% | 60.87% | -19.43% | 25.34% | 41.44% | 9.27% | -14.61% | -4.5% | -33.73% |
Pretax Income | 14.69M▲ 0% | 23.64M▲ 60.9% | 19.04M▼ 19.4% | 23.87M▲ 25.3% | 33.76M▲ 41.4% | 36.89M▲ 9.3% | 31.5M▼ 14.6% | 30.09M▼ 4.5% | 19.94M▼ 33.7% |
Pretax Margin % | 18.4% | 27.24% | 22.09% | 27.48% | 36.76% | 36.2% | 23.06% | 20.11% | 14.25% |
Income Tax | 7.26M | 4.01M | 3.43M | 4.61M | 7.33M | 8.11M | 6.5M | 6.41M | 4.83M |
Effective Tax Rate % | 49.43% | 16.96% | 18.03% | 19.3% | 21.73% | 21.97% | 20.64% | 21.32% | 24.24% |
Net Income | 7.43M▲ 0% | 19.63M▲ 164.1% | 15.61M▼ 20.5% | 19.26M▲ 23.4% | 26.43M▲ 37.2% | 28.78M▲ 8.9% | 25M▼ 13.1% | 23.67M▼ 5.3% | 15.1M▼ 36.2% |
Net Margin % | 9.3% | 22.62% | 18.1% | 22.18% | 28.77% | 28.24% | 18.3% | 15.82% | 10.79% |
Net Income Growth % | -25.9% | 164.15% | -20.47% | 23.4% | 37.19% | 8.92% | -13.14% | -5.32% | -36.19% |
Net Income (Continuing) | 7.43M | 19.63M | 15.61M | 19.26M | 26.43M | 28.78M | 25M | 23.67M | 15.1M |
EPS (Diluted) | 2.16▲ 0% | 4.06▲ 88.0% | 3.21▼ 20.9% | 4.01▲ 24.9% | 5.64▲ 40.6% | 6.13▲ 8.7% | 5.28▼ 13.9% | 4.96▼ 6.1% | 3.13▼ 36.9% |
EPS Growth % | 2.37% | 87.96% | -20.94% | 24.92% | 40.65% | 8.69% | -13.87% | -6.06% | -36.9% |
EPS (Basic) | 2.16 | 4.06 | 3.21 | 4.01 | 5.64 | 6.13 | 5.28 | 4.96 | 3.13 |
Diluted Shares Outstanding | 4.8M | 4.83M | 4.87M | 4.8M | 4.68M | 4.69M | 4.73M | 4.77M | 4.81M |
CHMG Balance Sheet
Chemung Financial Corporation (CHMG) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 324.36M | 372.23M | 405.99M | 663.15M | 819.01M | 688.46M | 620.84M | 468.77M | 303.37M |
Cash & Due from Banks | 30.73M | 129.97M | 121.9M | 108.54M | 26.98M | 55.87M | 36.85M | 47.03M | 22.77M |
Short Term Investments | 293.63M | 242.26M | 284.09M | 554.61M | 792.03M | 632.59M | 583.99M | 421.74M | 280.6M |
Total Investments | 1.59B | 1.54B | 1.58B | 2.08B | 2.31B | 2.47B | 2.56B | 2.61B | 2.53B |
Investments Growth % | 6.35% | -2.95% | 2.19% | 31.66% | 11.1% | 7.32% | 3.54% | 1.85% | -3.2% |
Long-Term Investments | 1.3B | 1.3B | 1.29B | 1.52B | 1.51B | 1.84B | 1.98B | 2.19B | 2.25B |
Accounts Receivables | 27.14M | 28.52M | 30.42M | 40.03M | 31.74M | 59.46M | 0 | 0 | 0 |
Goodwill & Intangibles | 23.91M | 23.18M | 22.57M | 22.08M | 21.84M | 21.82M | 21.82M | 21.82M | 21.82M |
Goodwill | 21.82M | 21.82M | 21.82M | 21.82M | 21.82M | 21.82M | 21.82M | 21.82M | 21.82M |
Intangible Assets | 2.08M | 1.35M | 742K | 258K | 15K | 0 | 0 | 0 | 0 |
PP&E (Net) | 26.66M | 24.98M | 30.42M | 27.26M | 25.2M | 22.56M | 20.22M | 21.82M | 25.09M |
Other Assets | 9.75M | 6.19M | 6.21M | 6.21M | 7.04M | 11.5M | 69.73M | 76.12M | 114.6M |
Total Current Assets | 350.96M | 403.8M | 436.42M | 706.24M | 850.75M | 747.91M | 620.84M | 468.77M | 303.37M |
Total Non-Current Assets | 1.36B | 1.35B | 1.35B | 1.58B | 1.57B | 1.9B | 2.09B | 2.31B | 2.41B |
Total Assets | 1.71B▲ 0% | 1.76B▲ 2.6% | 1.79B▲ 1.9% | 2.28B▲ 27.5% | 2.42B▲ 6.1% | 2.65B▲ 9.4% | 2.71B▲ 2.5% | 2.78B▲ 2.4% | 2.71B▼ 2.4% |
Asset Growth % | 3.22% | 2.62% | 1.85% | 27.5% | 6.1% | 9.39% | 2.46% | 2.42% | -2.37% |
Return on Assets (ROA) | 0.44% | 1.13% | 0.88% | 0.95% | 1.13% | 1.14% | 0.93% | 0.86% | 0.55% |
Accounts Payable | 14.91M | 15.52M | 19.63M | 29.65M | 15.1M | 17.96M | 19.61M | 0 | 0 |
Total Debt | 74.22M | 4.3M | 12.17M | 11.11M | 25.54M | 105.76M | 40.8M | 118.52M | 4.94M |
Net Debt | 43.49M | -125.67M | -109.73M | -97.42M | -1.44M | 49.89M | 3.95M | 71.48M | -17.84M |
Long-Term Debt | 2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 67.7M | 0 | 0 | 0 | 14.57M | 95.81M | 31.92M | 109.11M | 0 |
Other Liabilities | 14.91M | 15.52M | 19.63M | 29.65M | 10.95M | 44.73M | 43.59M | 45.44M | 179.91M |
Total Current Liabilities | 1.54B | 1.57B | 1.57B | 2.04B | 2.19B | 2.42B | 2.46B | 2.51B | 2.27B |
Total Non-Current Liabilities | 21.43M | 19.82M | 31.8M | 40.76M | 21.92M | 54.67M | 52.47M | 54.84M | 184.85M |
Total Liabilities | 1.56B | 1.59B | 1.61B | 2.08B | 2.21B | 2.48B | 2.52B | 2.56B | 2.46B |
Total Equity | 149.81M▲ 0% | 165.03M▲ 10.2% | 182.63M▲ 10.7% | 199.7M▲ 9.3% | 211.46M▲ 5.9% | 166.39M▼ 21.3% | 195.24M▲ 17.3% | 215.31M▲ 10.3% | 254.71M▲ 18.3% |
Equity Growth % | 4.22% | 10.16% | 10.66% | 9.35% | 5.89% | -21.31% | 17.34% | 10.28% | 18.3% |
Equity / Assets (Capital Ratio) | 8.76% | 9.4% | 10.22% | 8.76% | 8.74% | 6.29% | 7.2% | 7.76% | 9.4% |
Return on Equity (ROE) | 5.06% | 12.47% | 8.98% | 10.08% | 12.85% | 15.24% | 13.83% | 11.53% | 6.43% |
Book Value per Share | 31.21 | 34.15 | 37.51 | 41.59 | 45.15 | 35.45 | 41.26 | 45.14 | 52.94 |
Tangible BV per Share | 26.23 | 29.36 | 32.87 | 36.99 | 40.49 | 30.80 | 36.65 | 40.56 | 48.41 |
Common Stock | 53K | 53K | 53K | 53K | 53K | 53K | 53K | 53K | 53K |
Additional Paid-in Capital | 45.97M | 45.82M | 46.38M | 46.76M | 46.9M | 47.33M | 47.77M | 48.78M | 49.55M |
Retained Earnings | 128.45M | 143.13M | 153.7M | 168.01M | 188.88M | 211.86M | 229.93M | 247.71M | 256.48M |
Accumulated OCI | -10.34M | -11.41M | -5.8M | 2.4M | -6.53M | -75.26M | -66.01M | -65.06M | -36.05M |
Treasury Stock | -14.32M | -12.56M | -11.71M | -17.52M | -17.85M | -17.6M | -16.5M | -16.17M | -15.32M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CHMG Cash Flow Statement
Chemung Financial Corporation (CHMG) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 23.64M | 27.77M | 26.41M | 28.66M | 35.46M | 35.05M | 30.88M | 29.82M | 45.5M |
Operating CF Growth % | 6.79% | 17.45% | -4.92% | 8.54% | 23.73% | -1.17% | -11.89% | -3.45% | 52.6% |
Net Income | 7.43M | 19.63M | 15.61M | 19.26M | 26.43M | 28.78M | 25M | 23.67M | 15.1M |
Depreciation & Amortization | 4.56M | 4.17M | 4.43M | 4.26M | 3.5M | 3.03M | 2.8M | 2.02M | 2.67M |
Deferred Taxes | 4.25M | 2.15M | -1.56M | -86K | 570K | 1.72M | -1.61M | 1.12M | -2.67M |
Other Non-Cash Items | 10.14M | 4.55M | 5.87M | 6.11M | -3.97M | -25.46M | 2.71M | -837K | 22.97M |
Working Capital Changes | -3.15M | -3.22M | 1.46M | -1.66M | 8.27M | 26.18M | 844K | 2.61M | 7.41M |
Cash from Investing | -106.64M | 43.92M | -32.71M | -495.85M | -242.48M | -252.62M | -82.38M | -57.72M | 68.32M |
Purchase of Investments | -43.27M | -18.44M | -119.29M | -331.2M | -403.87M | -24.72M | -3.21M | -5.16M | -4.31M |
Sale/Maturity of Investments | 55.05M | 65.5M | 86.26M | 69.89M | 144.13M | 88.54M | 62.47M | 54.7M | 274.77M |
Net Investment Activity | 11.77M | 47.05M | -33.04M | -261.3M | -259.74M | 63.82M | 59.26M | 49.54M | 270.46M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -116.93M | -1.36M | 1.21M | -233.68M | 17.62M | -316.01M | -141.18M | -103.64M | -202.14M |
Cash from Financing | 39.56M | 27.55M | -1.76M | 453.82M | 125.47M | 246.46M | 32.48M | 38.1M | -110.76M |
Dividends Paid | -4.92M | -4.97M | -5.03M | -5.01M | -5.32M | -5.8M | -5.84M | -7.37M | -6.33M |
Share Repurchases | 0 | 0 | 0 | -7.59M | -1.62M | -933K | -316K | -344K | -396K |
Stock Issued | 582K | 643K | 585K | 1.02M | 426K | 424K | 601K | 430K | 536K |
Net Stock Activity | 582K | 643K | 585K | -6.57M | -1.19M | -509K | 285K | 86K | 140K |
Debt Issuance (Net) | 1000K | -1000K | -219K | -236K | 1000K | 1000K | -1000K | 1000K | 1000K |
Other Financing | -6.5M | 91.79M | 2.9M | 465.64M | 118.08M | 172.22M | 102.2M | -32.54M | -126.21M |
Net Change in Cash | -43.43M▲ 0% | 99.24M▲ 328.5% | -8.07M▼ 108.1% | -13.37M▼ 65.7% | -81.56M▼ 510.2% | 28.89M▲ 135.4% | -19.02M▼ 165.8% | 10.19M▲ 153.6% | 3.06M▼ 69.9% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 74.16M | 30.73M | 129.97M | 121.9M | 108.54M | 26.98M | 55.87M | 36.85M | 47.03M |
Cash at End | 30.73M | 129.97M | 121.9M | 108.54M | 26.98M | 55.87M | 36.85M | 47.03M | 50.1M |
Interest Paid | 3.13M | 3.99M | 6.25M | 4.03M | 3.47M | 6.64M | 36.5M | 53.02M | 47.31M |
Income Taxes Paid | 4.05M | 1.73M | 4.46M | 6M | 5.67M | 5.63M | 7.86M | 6.08M | 6.35M |
Free Cash Flow | 22.16M▲ 0% | 26M▲ 17.3% | 25.52M▼ 1.8% | 27.79M▲ 8.9% | 35.09M▲ 26.3% | 34.62M▼ 1.3% | 30.42M▼ 12.1% | 26.19M▼ 13.9% | 44.13M▲ 68.5% |
FCF Growth % | 8.4% | 17.32% | -1.85% | 8.89% | 26.27% | -1.35% | -12.14% | -13.91% | 68.51% |
CHMG Banking Ratios
Chemung Financial Corporation (CHMG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 7.14% | 5.06% | 12.47% | 8.98% | 10.08% | 12.85% | 15.24% | 13.83% | 11.53% | 6.43% |
Return on Assets (ROA) | 0.61% | 0.44% | 1.13% | 0.88% | 0.95% | 1.13% | 1.14% | 0.93% | 0.86% | 0.55% |
Net Interest Margin | 3.16% | 3.33% | 3.45% | 3.39% | 2.76% | 2.71% | 2.8% | 2.75% | 2.67% | 3.22% |
Efficiency Ratio | 72.98% | 66.46% | 64.43% | 63.69% | 63.05% | 59.5% | 57.19% | 46.27% | 44.16% | 49.94% |
Equity / Assets | 8.67% | 8.76% | 9.4% | 10.22% | 8.76% | 8.74% | 6.29% | 7.2% | 7.76% | 9.4% |
Book Value / Share | 30.19 | 31.21 | 34.15 | 37.51 | 41.59 | 45.15 | 35.45 | 41.26 | 45.14 | 52.94 |
NII Growth | 3.33% | 8.9% | 6.13% | 0.22% | 3.81% | 4.24% | 13.1% | 0.37% | -0.53% | 17.69% |
Dividend Payout | 48.65% | 66.18% | 25.32% | 32.22% | 25.99% | 20.12% | 20.14% | 23.36% | 31.11% | 41.88% |
Related:CHMG Dividend History·CHMG Revenue History·CHMG Price History·CHMG P/E History·CHMG Financial Ratios·CHMG Institutional Holders
CHMG SEC Filings & Documents
Chemung Financial Corporation (CHMG) SEC filings — annual & quarterly reports (10-K, 10-Q)
CHMG Frequently Asked Questions
Chemung Financial Corporation (CHMG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Chemung Financial Corporation (CHMG) saw revenue decline by 6.5% over the past year.
Yes, Chemung Financial Corporation (CHMG) is profitable, generating $15.1M in net income for fiscal year 2025 (10.8% net margin).
Dividend & Returns
Yes, Chemung Financial Corporation (CHMG) pays a dividend with a yield of 1.85%. This makes it attractive for income-focused investors.
Chemung Financial Corporation (CHMG) has a return on equity (ROE) of 6.4%. This is below average, suggesting room for improvement.
Industry Metrics
Chemung Financial Corporation (CHMG) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Chemung Financial Corporation (CHMG) has an efficiency ratio of 49.9%. This is excellent, indicating strong cost control.