CHEMUNG FINANCIAL CORPCHMG

Market cap

$285.6M

P/E ratio

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Loans, including fees	43	45	45	47	48	50	53	58	58	59	59	68	97	112
Taxable securities	6	5	4	5	5	5	6	5	5	6	9	12	14	13
Tax exempt securities	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Interest-earning deposits	214,529	152,891	36,285	0	0	0	1	1	2	1	0	0	1	1
Total interest and dividend income	51	52	51	53	54	56	60	65	67	67	69	81	113	128
Deposits	4	3	2	2	2	2	2	3	6	4	3	7	36	50
Borrowed funds	1	1	824,238	1	1	1	0	1	-	-	0	1	3	3
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	-	54
Net interest income	44	47	47	50	51	52	57	60	61	63	66	74	74	74
Provision (credit) for credit losses	-	-	-	-	-	-	-	-	-	4	0	-1	3	-0
Net interest income after provision for credit losses	43	46	44	46	49	50	48	57	55	59	66	75	71	74
Wealth management group fee income	-	-	-	-	-	-	-	-	10	9	11	10	10	12
Service charges on deposit accounts	-	-	-	-	-	-	-	5	4	3	3	4	4	4
Interchange Revenue	-	-	-	-	-	-	-	4	4	4	5	5	5	4
Debt Securities, Realized Gain (Loss)	-	-	-	-	-	-	-	-	0	-	-	-	-0	-
Equity Securities, FV-NI, Gain (Loss)	-	-	-	-	-	-	-	2	0	0	0	-0	0	0
Gain (Loss) on Sales of Loans, Net	179,096	484,006	502,718	0	0	0	0	0	0	2	1	0	0	0
Gains (Losses) on Sales of Other Real Estate	91,533	-44,648	27,695	-0	0	0	0	0	-0	-0	-0	0	0	-0
Bank Owned Life Insurance Income	88,389	86,577	83,931	0	0	0	0	0	0	0	0	0	0	0
Other	5	5	5	7	3	2	2	2	2	3	3	3	5	3
Total non-interest income	17	17	18	27	20	21	20	23	20	21	24	21	25	23
Salaries and wages	-17,136,433	19	19	21	21	21	21	22	23	24	24	25	27	28
Pension and other employee benefits	-	-	-	-	-	-	-	-	-	-	6	8	7	8
Other components of net periodic pension cost (benefit)	-	-	-	-	-	-	-	-1	-1	-1	-2	-2	-1	-1
Occupancy, Net	5	5	6	7	7	7	6	7	6	6	6	6	6	6
Equipment Expense	2	2	2	3	3	3	3	3	2	2	2	2	2	2
Data processing expense	4	4	5	6	7	7	7	7	7	8	9	9	10	10
Professional Fees	-	1	928,228	2	1	2	2	2	2	2	2	2	2	2
Marketing and advertising expense	-	1	1	1	1	1	1	1	1	1	1	1	1	1
Other real estate owned expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	0
FDIC insurance	967,254	807,493	866,053	1	1	1	1	1	1	1	1	1	2	2
Loan expense	-	-	-	-	-	-	-	-	-	-	-	-	-	1
Other	7	5	5	6	6	6	6	6	6	7	5	6	7	7
Total non-interest expenses	45	47	49	60	55	57	54	57	56	56	56	59	64	67
Income before income tax expense	-	-	-	-	-	-	-	24	19	24	34	37	32	30
Income tax expense	5	5	4	4	5	4	7	4	3	5	7	8	7	6
Net income	11	11	9	8	9	10	7	20	16	19	26	29	25	24
Earnings Per Share, Basic	2.4	2.38	-	-	-	-	-	-	-	-	5.64	6.13	5.28	4.96
Earnings Per Share, Diluted	2.4	2.38	-	-	-	-	-	-	-	-	5.64	6.13	5.28	4.96