Earnings summaries and quarterly performance for CHEMUNG FINANCIAL.
Executive leadership at CHEMUNG FINANCIAL.
Anders M. Tomson
Detailed
President and Chief Executive Officer
CEO
DM
Dale M. McKim III
Detailed
Chief Financial Officer and Treasurer
DD
Daniel D. Fariello
Detailed
Executive Vice President and President, Capital Bank Division
JP
Jeffrey P. Kenefick
Detailed
Executive Vice President and Regional President; Interim Head of Wealth Management
KA
Kimberly A. Hazelton
Detailed
Executive Vice President, Retail Client Services, Marketing and Business Services
LD
Loren D. Cole
Detailed
Chief Information Officer
ME
Mary E. Meisner
Detailed
Chief Risk Officer
PK
Peter K. Cosgrove
Detailed
Chief Credit Officer
VM
Vincent M. Cutrona
Detailed
Executive Vice President and President, Canal Bank Division
Board of directors at CHEMUNG FINANCIAL.
DJ
David J. Dalrymple
Detailed
Chair of the Board
DM
David M. Buicko
Detailed
Director
DV
Denise V. Gonick
Detailed
Director
GT
G. Thomas Tranter Jr.
Detailed
Director
JB
Jeffrey B. Streeter
Detailed
Director
JF
Joseph F. Meade IV
Detailed
Director
RC
Raimundo C. Archibold Jr.
Detailed
Director
RE
Richard E. Forrestel Jr.
Detailed
Director
RH
Robert H. Dalrymple
Detailed
Director
RM
Ronald M. Bentley
Detailed
Director
SM
Stephen M. Lounsberry III
Detailed
Director
TR
Thomas R. Tyrrell
Detailed
Director
Research analysts covering CHEMUNG FINANCIAL.
Recent press releases and 8-K filings for CHMG.
Chemung Financial Corporation Reports Q4 and Full-Year 2025 Results, Details Balance Sheet Restructuring and Capital Actions
CHMG
Earnings
Debt Issuance
Dividends
- Chemung Financial Corporation reported Q4 2025 EPS of $1.61 and full-year 2025 non-GAAP net income of $27.9 million, with a Net Interest Margin of 3.61% for Q4 2025.
- The company completed a balance sheet restructuring in June 2025, selling over $245 million of low-yielding AFS securities and raising $45 million in subordinated debt to improve profitability and strengthen capital ratios.
- For 2025, annual loan growth was 9.6%, including 14.3% commercial loan growth, and the quarterly dividend increased from $0.31 in Q4 2024 to $0.34 in Q3 2025, leading to $1.32 YTD dividends per share.
- As of December 31, 2025, the company maintained strong capital with a Total Risk Based Capital Ratio of 15.30% and a TCE Ratio of 8.66%.
4 days ago
Chemung Financial Corporation Reports Q4 and Full Year 2025 Financial Results
CHMG
Earnings
Dividends
Debt Issuance
- Chemung Financial Corporation reported net income of $7.7 million, or $1.61 per share, for the fourth quarter of 2025, and annual net income of $15.1 million, or $3.14 per share, for the year ended December 31, 2025.
- The company's net interest margin increased to 3.61% in Q4 2025, up 16 basis points from the prior quarter, and increased to 3.26% for the full year 2025, up 50 basis points from the prior year.
- Annual loan growth in 2025 totaled $198.1 million, or 9.6%, with commercial loan growth increasing by $217.4 million, or 14.3%.
- The 2025 annual net income was impacted by a $17.5 million loss on the sale of securities as part of the Corporation's balance sheet repositioning.
- Dividends declared for the fourth quarter of 2025 were $0.34 per share.
Jan 26, 2026, 9:15 PM
Chemung Financial Corporation Reports Strong Q3 2025 Results and Strategic Balance Sheet Restructuring
CHMG
Earnings
Dividends
Debt Issuance
- Chemung Financial Corporation reported Q3 2025 earnings per share (EPS) of $1.62, net income of $7.8 million, a return on average assets (ROA) of 1.15%, and a return on average equity (ROE) of 12.89%.
- The company's net interest margin (NIM) expanded by 40 basis points to 3.45% in Q3 2025, driven by a 32 basis point increase in the average yield on interest-earning assets to 5.15% and a 9 basis point decrease in the cost of funds to 1.85%.
- A strategic balance sheet restructuring involved selling approximately $245 million of low-yielding available-for-sale securities, paying off $155.0 million in wholesale funding, and raising $45 million in subordinated debt, which contributed to enhanced profitability metrics and strengthened capital ratios.
- As of September 30, 2025, the company maintained strong capital ratios with a Tier 1 Leverage ratio of 9.66%, a Tier 1 Capital / CET1 ratio of 14.21%, a Total Capital ratio of 15.44%, and a TCE ratio of 8.36%.
- The company increased its quarterly dividend to $0.34 per share in Q3 2025 and had a market capitalization of $252.7 million as of September 30, 2025, with its Trust and Wealth Management division managing $2.4 billion in assets.
Nov 7, 2025, 5:30 PM
Chemung Financial Corporation Reports Strong Q3 2025 Net Income and Dividend Increase
CHMG
Earnings
Dividends
Revenue Acceleration/Inflection
- Chemung Financial Corporation reported net income of $7.8 million, or $1.62 per share, for the third quarter of 2025, a significant turnaround from a net loss of $6.5 million, or $1.35 per share, in Q2 2025, and an increase from $5.7 million, or $1.19 per share, in Q3 2024.
- Net interest income grew 9% quarter-over-quarter to $22.7 million in Q3 2025, largely due to balance sheet repositioning efforts. The net interest margin increased by 40 basis points to 3.45% in Q3 2025 from 3.05% in Q2 2025.
- The company announced a $0.02 per share dividend increase in Q3 2025, resulting in a declared dividend of $0.34 per share.
- Total year-to-date loan growth was approximately 8.4% on an annualized basis, and non-performing loans decreased to $7.8 million, or 0.35% of total loans, as of September 30, 2025.
Oct 21, 2025, 8:10 PM
Chemung Financial Corporation Reports Q2 2025 Results and Strategic Actions
CHMG
Earnings
Debt Issuance
New Projects/Investments
- Chemung Financial Corporation reported a GAAP net loss of $6.5 million and Non-GAAP net income of $6.3 million for Q2 2025, with a Non-GAAP EPS of $1.31.
- The company executed a strategic balance sheet restructuring in Q2 2025, which included selling $245.5 million in AFS securities, resulting in a $17.5 million pre-tax loss, and issuing $45.0 million in Fixed-to-Floating Rate Subordinated Notes.
- As of June 30, 2025, total loans reached $2.132 billion, showing 6.6% annualized loan growth for the quarter, and the net interest margin expanded to 3.05%.
- The company's capital ratios as of June 30, 2025, include a Tier 1 Leverage ratio of 8.96% and a Total Capital ratio of 15.16%.
Sep 2, 2025, 3:36 PM
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