CHEMUNG FINANCIAL CORP
CHMGOther · Accelerated filer<br>Smaller reporting company · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $15.1M | $23.7M | $25.0M | $28.8M | $26.4M | $19.3M |
| Total assets | $2.71B | $2.78B | $2.71B | $2.65B | $2.42B | $2.28B |
| Total liabilities | $2.46B | $2.56B | $2.52B | $2.48B | $2.21B | $2.08B |
| Equity | $254.7M | $215.3M | $195.2M | $166.4M | $211.5M | $199.7M |
| EPS (diluted) | $3.14 | $4.96 | $5.28 | $6.13 | $5.64 | $4.01 |
| Shares out. | 4.8M | 4.8M | 4.7M | 4.7M | 4.7M | 4.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.9%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.6%
- Debt / equity
- 9.64×
- Book value / share
- $53.19
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −36.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Nov 12, 2014
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Dalrymple Family Ltd PartnershipPassive (13G)Feb 13, 2026
- Blackrock, Inc.Passive (13G)Apr 17, 2025
- Fourthstone LlcPassive (13G)Feb 14, 2025
- Chemung Canal Trust CoPassive (13G)Jan 21, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Tyrrell Thomas R.Director | Apr 27, 2026 | Sell | 248 | $65.83 |
| Tomson AndersOfficer — President & CEO | Feb 27, 2026 | Tax withholding | 1,603 | $55.52 |
| Stempin John JOfficer — Controller | Feb 27, 2026 | Tax withholding | 12 | $55.52 |
| Meisner Mary EOfficer — EVP & Chief Risk Ofcr. | Feb 27, 2026 | Tax withholding | 79 | $55.52 |
| Mckim Dale M. IiiOfficer — EVP, CFO & Treasurer | Feb 27, 2026 | Tax withholding | 147 | $55.52 |
| Kenefick Jeffrey P.Officer — Regional President | Feb 27, 2026 | Tax withholding | 119 | $55.52 |
| Hazelton Kimberly AOfficer — Executive Vice President | Feb 27, 2026 | Tax withholding | 104 | $55.52 |
| Fariello Daniel DOfficer — President, Capital Bank Div. | Feb 27, 2026 | Tax withholding | 116 | $55.52 |
| Cutrona Vincent MOfficer — EVP & President-Canal Bank Div | Feb 27, 2026 | Tax withholding | 95 | $55.52 |
| Cosgrove Peter KOfficer — Executive Vice President & CCO | Feb 27, 2026 | Tax withholding | 119 | $55.52 |
| Cole Loren DOfficer — EVP & CIO | Feb 27, 2026 | Tax withholding | 119 | $55.52 |
| Dalrymple Robert HDirector | Feb 26, 2026 | Sell | 2,833 | $56.56 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 30,382 | 1.0 | +22.0% |
| Apr 30, 2026 | 24,898 | 1.5 | +3.1% |
| Apr 15, 2026 | 24,158 | 5.0 | -15.2% |
| Mar 31, 2026 | 28,471 | 4.0 | +7.3% |
| Mar 13, 2026 | 26,538 | 4.4 | +24.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 21, 2026
- Regulation FD disclosureMay 8, 2026
- Results of operationsApr 17, 2026
- Other material eventApr 7, 2026
- Other material eventFeb 17, 2026
- Regulation FD disclosureFeb 2, 2026
- Results of operationsJan 26, 2026
- Other material eventNov 18, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KFORM 8-KMay 21, 2026
- 8-KFORM 8-KMay 8, 2026
- 10-QMay 7, 2026
- 4FORM 4Apr 27, 2026
- DEFA14AApr 23, 2026
- ARSApr 23, 2026
- DEF 14AApr 23, 2026
- 8-KFORM 8-KApr 17, 2026
- 8-KFORM 8-KApr 7, 2026
- 10-KMar 13, 2026
- 4FORM 4Mar 2, 2026
- 4FORM 4Mar 2, 2026
- 4FORM 4Mar 2, 2026
- 4FORM 4Mar 2, 2026
- 4FORM 4Mar 2, 2026
Event-driven situations (7)
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