Chemung Financial Corporation (CHMG) Earnings History
Earnings Pressure33 years of earnings data (1993–2025) · 5-year EPS trend is negative
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Chemung Financial Corporation (CHMG) Earnings Overview
As of November 8, 2026, Chemung Financial Corporation (CHMG) reported trailing twelve-month net income of $38M, reflecting -36.9% year-over-year growth. The company earned $7.95 per diluted share over the past four quarters, with a net profit margin of 16.0%.
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 industry-leading profitability with a gross margin of 95.3%, operating margin of 21.1%, and net margin of 16.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 28.3% margin), FUNC ($25M net income, 28.4% margin), PBHC ($102,000 net income, -7.3% 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 | 16.0% | 21.1% |
| 2024 | $24M | -5.3% | $30M | $4.96 | 24.6% | 31.3% |
| 2023 | $25M | -13.1% | $32M | $5.28 | 25.5% | 32.2% |
| 2022 | $29M | +8.9% | $37M | $6.13 | 30.4% | 39.0% |
| 2021 | $26M | +37.2% | $34M | $5.64 | 29.9% | 38.2% |
| 2020 | $19M | +23.4% | $24M | $4.01 | 23.2% | 28.8% |
| 2019 | $16M | -20.5% | $19M | $3.21 | 19.5% | 23.8% |
| 2018 | $20M | +164.1% | $24M | $4.06 | 23.7% | 28.6% |
| 2017 | $7M | -25.9% | $15M | $2.16 | 9.7% | 19.1% |
| 2016 | $10M | +6.3% | $14M | $2.11 | 13.8% | 19.8% |
| 2015 | $9M | +15.6% | $14M | $2.00 | 13.4% | 20.0% |
| 2014 | $8M | -6.6% | $12M | $1.83 | 10.8% | 15.7% |
| 2013 | $9M | -20.8% | $13M | $1.87 | 13.8% | 19.8% |
| 2012 | $11M | +4.6% | $16M | $2.38 | 17.4% | 25.9% |
| 2011 | $11M | +4.3% | $16M | $2.40 | 17.3% | 25.6% |
| 2010 | $10M | +93.0% | $15M | $2.80 | 18.7% | 28.1% |
| 2009 | $5M | -37.4% | $7M | $1.45 | 10.2% | 13.9% |
| 2008 | $8M | +15.1% | $12M | $2.32 | 17.2% | 25.5% |
| 2007 | $7M | +10.2% | $11M | $2.02 | 17.1% | 25.3% |
| 2006 | $7M | -0.0% | $9M | $1.81 | 17.0% | 23.7% |
| 2005 | $7M | -24.5% | $9M | $1.79 | 17.5% | 24.2% |
| 2004 | $9M | +25.6% | $13M | $2.32 | 22.1% | 31.7% |
| 2003 | $7M | +6.3% | $9M | $1.82 | 17.7% | 24.2% |
| 2002 | $7M | -23.0% | $9M | $1.66 | 17.5% | 23.4% |
| 2001 | $8M | -3.0% | $12M | $2.10 | 22.6% | 33.2% |
| 2000 | $9M | +4.3% | $13M | $2.14 | 24.3% | 35.5% |
| 1999 | $8M | +15.0% | $13M | $2.03 | 24.1% | 36.0% |
| 1998 | $7M | +6.4% | $11M | $1.77 | 80.9% | 118.5% |
| 1997 | $7M | +11.4% | $11M | $1.66 | 82.4% | 126.5% |
| 1996 | $6M | +9.9% | $9M | $1.48 | 78.5% | 120.1% |
| 1995 | $6M | +20.5% | $8M | $1.34 | 76.7% | 115.9% |
| 1994 | $5M | +3.4% | $7M | $1.23 | 73.7% | 110.8% |
| 1993 | $4M | - | $8M | $1.19 | 64.0% | 117.5% |
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CHMG — Frequently Asked Questions
Quick answers to the most common questions about buying CHMG stock.
What is CHMG earnings per share (EPS)?
CHMG trailing twelve-month (TTM) diluted EPS is $7.95, reflecting -36.9% year-over-year growth. The 5-year EPS CAGR is -4.8%. Complete EPS history from 1993 to 2025 is available in the table on this page.
What is Chemung Financial Corporation's net income?
Chemung Financial Corporation (CHMG) trailing twelve-month net income is $38M as of 2025. Earnings declined -36.9% year-over-year. Chemung Financial Corporation has been profitable for 33 consecutive years.
Is CHMG profitable?
Yes, CHMG is profitable with a TTM net income of $38M and a net profit margin of +16.0%. Chemung Financial Corporation has generated profits for 33 consecutive years.
What is CHMG's earnings growth rate?
CHMG compound annual EPS growth rates (CAGR): 1-Year: -36.9%, 3-Year: -20.1%, 5-Year: -4.8%, 10-Year: +4.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1993 to 2025.
What are CHMG's profit margins?
Chemung Financial Corporation net profit margin is +16.0%, operating margin is +21.1%, and gross margin is +95.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.4%.
Is CHMG growing earnings?
CHMG earnings are declining — EPS fell -36.9% year-over-year. TTM net income dropped to $38M. This contrasts with the 5-year CAGR of -4.8%.
What was CHMG's best earnings year?
Chemung Financial Corporation's highest annual net income on record is $29M, achieved in fiscal year 2022. Earnings history on this page spans 1993 to 2025 and includes all annual and quarterly figures.
What were CHMG's earnings last quarter?
CHMG's most recent reported quarter was Q3 2026. Net income was $13M with diluted EPS of $2.63. For a full breakdown of all quarters, see the quarterly earnings table on this page.