Chemung Financial Corp

NAS:CHMGFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$79.69−1.02%At closeAt close · Tue 20 Oct · ≈ AED 292.66 · Market cap $384.22M · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	90.5%	96.3%	93.4%	69.3%	64.3%	64.2%	—	—
Operating margin	27.5%	36.8%	36.2%	23.1%	20.1%	14.2%	14.2%	+0.0 pts
Net margin	22.2%	28.8%	28.2%	18.3%	15.8%	10.8%	10.8%	+0.0 pts
EBITDA margin	32.4%	40.6%	39.2%	25.1%	21.5%	16.2%	—	—
Return on equity	9.6%	12.5%	17.3%	12.8%	11.0%	5.9%	5.9%	+0.0 pts
Return on assets	0.8%	1.1%	1.1%	0.9%	0.9%	0.6%	0.6%	+0.0 pts
Return on capital employed	9.9%	14.5%	16.7%	12.7%	11.1%	4.5%	—	—
Debt / equity	0.1×	0.1×	0.6×	0.2×	0.6×	0.0×	0.0×	+0.0%
Debt / assets	0.5%	1.1%	4.0%	1.5%	4.3%	0.2%	—	—
Interest coverage	6.0×	9.9×	5.1×	0.8×	0.6×	0.4×	—	—
Current ratio	0.3×	0.4×	0.3×	0.3×	0.2×	0.1×	0.1×	+0.0%
Quick ratio	0.3×	0.4×	0.3×	0.3×	0.2×	0.1×	—	—
Cash ratio	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	2.2×	2.9×	1.7×	—	—	—	—	—
Dividend payout	26.0%	20.1%	20.1%	23.4%	31.1%	41.9%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

ⓘ

Current snapshot ratios have no reporting date and are shown separately from fiscal periods.