The Tip Desk

CHEMUNG FINANCIAL CORP

Company Stats

Market Cap
$389.9M
as of Sep 30, 2026
Shares Outstanding
4.8M
Free Float
87.3%

Income Statement

Net Income
$15.1M

Cash Flow

Free Cash Flow
$43.8M
FCF Yield
11.2%

Balance Sheet

Cash & Equivalents
$50.1M

Returns & Capital

Dividends Paid
$6.3M
Dividend Yield
1.6%
Dividend Payout, 3Y Avg
32.1%
Share Repurchases
$396,000
Buyback Yield, 3Y Avg
0.1%

Cash Flow by Year

YearRevenueFCFMargin
FY2025—$43.8M—
FY2024—$26.2M—
FY2023—$30.4M—
FY2022—$34.6M—
FY2021—$35.1M—

Annual filing data through FY ended December 31, 2025; shares and float as of November 8, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage