Chemung Financial Corporation (CHMG) Earnings History
Annual and quarterly earnings data from 1993 to 2025
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CHMG EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CHMG Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 64.2% | 14.2% | 10.8% |
| 2024 | 64.3% | 20.1% | 15.8% |
| 2023 | 69.3% | 23.1% | 18.3% |
| 2022 | 93.4% | 36.2% | 28.2% |
| 2021 | 96.3% | 36.8% | 28.8% |
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Chemung Financial Corporation (CHMG) Earnings Overview
As of May 8, 2026, Chemung Financial Corporation (CHMG) reported trailing twelve-month net income of $15M, reflecting -36.9% year-over-year growth. The company earned $3.14 per diluted share over the past four quarters, with a net profit margin of 10.8%.
Looking at the long-term picture, CHMG's 5-year EPS compound annual growth rate (CAGR) stands at -4.8%, signaling declining earnings. The company achieved its highest annual net income of $29M in fiscal 2022.
Chemung Financial Corporation maintains positive profitability with a gross margin of 64.2%, operating margin of 14.2%, and net margin of 10.8%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), FUNC ($25M net income, 18.4% margin), PBHC (-$3M net income, -4.3% margin), CHMG has room to improve margins relative to the peer group. Compare CHMG vs CZWI →
CHMG Earnings vs Peers
Earnings metrics vs comparable public companies
CHMG Historical Earnings Data (1993–2025)
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $15M | -36.2% | $20M | $3.13 | 10.8% | 14.2% |
| 2024 | $24M | -5.3% | $30M | $4.96 | 15.8% | 20.1% |
| 2023 | $25M | -13.1% | $32M | $5.28 | 18.3% | 23.1% |
| 2022 | $29M | +8.9% | $37M | $6.13 | 28.2% | 36.2% |
| 2021 | $26M | +37.2% | $34M | $5.64 | 28.8% | 36.8% |
| 2020 | $19M | +23.4% | $24M | $4.01 | 22.2% | 27.5% |
| 2019 | $16M | -20.5% | $19M | $3.21 | 18.1% | 22.1% |
| 2018 | $20M | +164.1% | $24M | $4.06 | 22.6% | 27.2% |
| 2017 | $7M | -25.9% | $15M | $2.16 | 9.3% | 18.4% |
| 2016 | $10M | +6.3% | $14M | $2.11 | 13.1% | 18.8% |
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Start ComparisonCHMG — Frequently Asked Questions
Quick answers to the most common questions about buying CHMG stock.
Is CHMG growing earnings?
CHMG EPS fell to $3.14, with earnings declining -36.9%. This contrasts with the 5-year CAGR of -4.8%. TTM net income dropped to $15M.
What are CHMG's profit margins?
Chemung Financial Corporation net margin is +10.8%, with operating margin at +14.2%. Margins sit within typical range for the sector.
How consistent are CHMG's earnings?
CHMG earnings data spans 1993-2025. The declining earnings trend is -36.9% YoY. Historical data enables comparison across business cycles.