Chemung Financial Corp (CHMG)

From the record

Chemung Financial Corp's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Chemung Financial Corp's 10 filed years say what it did: revenue went from $56 million in fiscal 2016 to $133 million in fiscal 2025, up 10% a year; it rose in 8 of 9 years; the deepest fall was 0% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Chemung Financial Corp's diluted share count grew about 0.8% a year, and dividends and buybacks returned about 19% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales and 2 purchases of their own stock on the open market in the year to 2026-09-30, buying about $181 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Chemung Financial Corp earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 0.7% over the year (the filed statements).

From the record

Chemung Financial Corp's standing among 155 graded names in its industry family: revenue of $133 million in fiscal 2025 ranks in the bottom 22% by size; a net margin of 11.4% ranks in the bottom 10%; revenue growth of 17.7% a year over the last 3 filed years ranks in the bottom 49% (its annual reports).

From the record

Chemung Financial Corp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Tomson, Anders (President & CEO, as filed), filing under that title since 2017-01-05, 9.9 years (top 33% of its family); the 23 officers and directors filing in the last fifteen months have been on the record a median of 8.7 years (top 31%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 23 people in charge now (top 10%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Chemung Financial Corp's room to grow, from the newest filed statements (fiscal 2025): cash of $50 million against no long-term debt tagged leaves 1.8% of its assets as net cash, bottom 34% of its family; cash from operations less capital spending is 33% of revenue (top 19%) (its annual report).

From the record

Chemung Financial Corp's growth drivers, from the filed years to fiscal 2025: revenue grew 17.7% a year over the last three filed years against 10% over all 10, speeding up (top 21% of its family); the newest year grew 4.1% (bottom 46%); capital spending grew 58.2% a year (top 8%) (its annual reports). Chemung Financial Corp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Chemung Financial Corp's newest year against its own record: revenue of $133 million in fiscal 2025 came in 16.8% below the $160 million its prior three years' pace pointed to (bottom 43% of its family); net income of $15 million against a prior three-year average of $26 million (bottom 8%); a net margin of 11.4% against 25.3% before (bottom 6%) (its annual reports).