Chemung Financial Corporation (CHMG) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 23.58M | 23.84M | 22.69M | 20.81M | 19.82M | 19.82M | 18.39M | 17.76M | 18.09M | 17.9M | 18.02M | 18.59M | 19.95M | 20.87M | 18.99M | 17.64M | 16.68M | 16.89M | 16.83M | 16.08M |
| NII Growth % | 19.01% | 20.3% | 23.38% | 17.16% | 9.55% | 10.74% | 2.06% | -4.49% | -9.32% | -14.24% | -5.12% | 5.41% | 19.61% | 23.56% | 12.82% | 9.71% | 5.64% | 3.02% | 6.07% | 3.13% |
| Net Interest Margin % | 0.86% | 0.88% | 0.84% | 0.73% | 0.71% | 0.71% | 0.66% | 0.64% | 0.65% | 0.66% | 0.67% | 0.7% | 0.75% | 0.79% | 0.74% | 0.72% | 0.67% | 0.7% | 0.7% | 0.68% |
| Interest Income | 33.59M | 34.22M | 33.88M | 33.03M | 31.7M | 32.6M | 32.36M | 31.39M | 31.22M | 30.03M | 29.02M | 27.8M | 26.23M | 24.48M | 21M | 18.54M | 17.46M | 17.69M | 17.63M | 16.95M |
| Interest Expense | 10M | 10.38M | 11.2M | 12.23M | 11.88M | 12.78M | 13.97M | 13.63M | 13.13M | 12.13M | 11M | 9.2M | 6.28M | 3.61M | 2.01M | 897K | 781K | 798K | 801K | 866K |
| Loan Loss Provision | 601K | 1.14M | 1.06M | 1.15M | 1.09M | 551K | 564K | 879K | -2.04M | 2.3M | 449K | 236K | 277K | 1.08M | 1.25M | -1.74M | -1.15M | 70K | 356K | -150K |
| Non-Interest Income | 6.31M | 6.67M | 5.83M | -11M | 5.61M | 5.68M | 5.57M | 5.4M | 5.4M | 5.61M | 7.56M | 5.14M | 5.19M | 4.74M | 5.1M | 5.14M | 5.45M | 5.47M | 5.77M | 6.2M |
| Non-Interest Income % | 15.82% | 16.32% | 14.67% | -49.93% | 15.04% | 14.84% | 14.68% | 14.67% | 14.75% | 15.75% | 20.67% | 15.6% | 16.52% | 16.23% | 19.54% | 21.72% | 23.78% | 23.62% | 24.67% | 26.79% |
| Total Revenue | 39.9M | 40.89M | 39.71M | 22.03M | 37.31M | 38.28M | 37.93M | 36.78M | 36.62M | 35.65M | 36.57M | 32.94M | 31.42M | 29.22M | 26.1M | 23.68M | 22.91M | 23.16M | 23.41M | 23.15M |
| Revenue Growth % | 6.94% | 6.83% | 4.7% | -40.1% | 1.88% | 7.39% | 3.7% | 11.69% | 16.55% | 21.98% | 40.14% | 39.08% | 37.17% | 26.18% | 11.5% | 2.31% | 3.52% | 0.98% | 7.61% | 8.34% |
| Non-Interest Expense | 17.45M | 18.39M | 17.38M | 17.47M | 16.65M | 17.45M | 16.16M | 16.02M | 16.44M | 16.57M | 15.42M | 15.61M | 15.61M | 15.02M | 14.64M | 14.17M | 14.45M | 14.06M | 13.9M | 13.56M |
| Efficiency Ratio | 43.75% | 44.97% | 43.77% | 79.3% | 44.62% | 45.58% | 42.6% | 43.55% | 44.9% | 46.48% | 42.16% | 47.38% | 49.66% | 51.39% | 56.1% | 59.82% | 63.1% | 60.71% | 59.4% | 58.59% |
| Operating Income | 11.84M | 10.99M | 10.07M | -8.81M | 7.69M | 7.5M | 7.23M | 6.26M | 9.09M | 4.64M | 9.71M | 7.89M | 9.26M | 9.52M | 8.19M | 10.36M | 8.82M | 8.23M | 8.35M | 8.87M |
| Operating Margin % | 29.68% | 26.88% | 25.35% | -39.99% | 20.6% | 19.6% | 19.07% | 17.02% | 24.82% | 13.03% | 26.54% | 23.97% | 29.46% | 32.56% | 31.4% | 43.76% | 38.49% | 35.54% | 35.66% | 38.32% |
| Operating Income Growth % | 54.04% | 46.51% | 39.18% | -240.73% | -15.42% | 61.6% | -25.49% | -20.68% | -1.83% | -51.21% | 18.48% | -23.83% | 4.99% | 15.61% | -1.82% | 16.82% | 6.06% | 26.15% | 16.45% | 23.47% |
| Pretax Income | 11.84M | 10.99M | 10.07M | -8.81M | 7.69M | 7.5M | 7.23M | 6.26M | 9.09M | 4.64M | 9.71M | 7.89M | 9.26M | 9.52M | 8.19M | 10.36M | 8.82M | 8.23M | 8.35M | 8.87M |
| Pretax Margin % | 29.68% | 26.88% | 25.35% | -39.99% | 20.6% | 19.6% | 19.07% | 17.02% | 24.82% | 13.03% | 26.54% | 23.97% | 29.46% | 32.56% | 31.4% | 43.76% | 38.49% | 35.54% | 35.66% | 38.32% |
| Income Tax | 2.64M | 3.25M | 2.27M | -2.36M | 1.66M | 1.59M | 1.51M | 1.27M | 2.04M | 841K | 2.06M | 1.61M | 1.99M | 2.08M | 1.74M | 2.34M | 1.95M | 1.78M | 1.7M | 2.08M |
| Effective Tax Rate % | 22.31% | 29.58% | 22.6% | 26.77% | 21.65% | 21.18% | 20.92% | 20.35% | 22.43% | 18.11% | 21.22% | 20.44% | 21.46% | 21.83% | 21.25% | 22.56% | 22.12% | 21.59% | 20.37% | 23.39% |
| Net Income | 9.2M | 7.74M | 7.79M | -6.45M | 6.02M | 5.91M | 5.72M | 4.99M | 7.05M | 3.8M | 7.65M | 6.28M | 7.27M | 7.44M | 6.45M | 8.02M | 6.87M | 6.45M | 6.65M | 6.79M |
| Net Margin % | 23.06% | 18.93% | 19.62% | -29.28% | 16.14% | 15.45% | 15.08% | 13.56% | 19.25% | 10.67% | 20.91% | 19.07% | 23.14% | 25.46% | 24.73% | 33.88% | 29.98% | 27.87% | 28.39% | 29.36% |
| Net Income Growth % | 52.73% | 30.89% | 36.22% | -229.38% | -14.57% | 55.55% | -25.21% | -20.59% | -3.03% | -48.89% | 18.52% | -21.73% | 5.87% | 15.26% | -2.9% | 18.09% | 5.16% | 23.33% | 16.37% | 16.61% |
| Net Income (Continuing) | 9.2M | 7.74M | 7.79M | -6.45M | 6.02M | 5.91M | 5.72M | 4.99M | 7.05M | 3.8M | 7.65M | 6.28M | 7.27M | 7.44M | 6.45M | 8.02M | 6.87M | 6.45M | 6.65M | 6.79M |
| EPS (Diluted) | 1.91 | 1.61 | 1.60 | -1.34 | 1.26 | 1.24 | 1.20 | 1.05 | 1.48 | 0.80 | 1.61 | 1.33 | 1.54 | 1.58 | 1.38 | 1.72 | 1.46 | 1.38 | 1.42 | 1.45 |
| EPS Growth % | 51.59% | 29.84% | 33.33% | -227.62% | -14.86% | 55% | -25.47% | -21.05% | -3.9% | -49.37% | 16.67% | -22.67% | 5.48% | 14.49% | -2.82% | 18.62% | 5.04% | 24.32% | 19.33% | 20.83% |
| EPS (Basic) | 1.91 | 1.61 | 1.60 | -1.34 | 1.26 | 1.24 | 1.20 | 1.05 | 1.48 | 0.80 | 1.61 | 1.33 | 1.54 | 1.58 | 1.38 | 1.72 | 1.46 | 1.38 | 1.42 | 1.45 |
| Diluted Shares Outstanding | 4.83M | 4.81M | 4.81M | 4.81M | 4.79M | 4.77M | 4.77M | 4.77M | 4.76M | 4.74M | 4.74M | 4.73M | 4.72M | 4.7M | 4.69M | 4.69M | 4.69M | 4.68M | 4.68M | 4.68M |