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Chemung Financial Corporation (CMHG) investor relations material
Chemung Financial Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $7.8 million ($1.62 per share), up 36% year-over-year and reversing a prior quarter loss; nine-month net income was $7.4 million ($1.53 per share), down 59% due to a $17.5 million securities loss in Q2 2025.
Adjusted nine-month net income (excluding nonrecurring items) was $20.1 million ($4.19 per share), up 13% year-over-year.
Results reflect successful balance sheet repositioning, with improved net interest income and margin, and continued strong credit quality.
Dividend increased by $0.02 per share in Q3, totaling $0.34 per share for the quarter.
Financial highlights
Net interest income rose 23% year-over-year in Q3 2025 to $22.7 million, with net interest margin up to 3.45% from 2.72% a year ago.
Non-interest income for Q3 2025 was $6.1 million, up 3% year-over-year; nine-month non-interest income was $1.3 million, down 93% due to the securities loss.
Non-interest expense increased 7% year-over-year in Q3 2025, mainly from higher compensation costs, but was down 1.1% sequentially.
Loans grew 6.3% since year-end to $2.20 billion, led by commercial real estate; deposits decreased 1.6% to $2.36 billion, reflecting a strategic reduction in brokered deposits.
Allowance for credit losses increased to $23.6 million (1.07% of loans), with net charge-offs of $1.3 million for the nine months.
Book value per share rose to $50.98, and tangible book value per share to $46.44 at quarter-end.
Outlook and guidance
Management expects continued loan growth, especially in commercial real estate, and stable credit quality, with a focus on relationship banking.
The company remains focused on core deposit growth, prudent expense management, and long-term value creation.
No material changes to risk factors or forward-looking statements since the last annual report.
Long-term NIM impact of balance sheet repositioning?
Retail delinquencies impact on future ACL?
Sustaining cost of funds with deposit mix changes?
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Next Chemung Financial Corporation earnings date
Q4 202523 Jan, 2026
Next Chemung Financial Corporation earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company, providing a range of financial services to individuals, businesses, and institutions. The company offers personal and commercial banking services, including checking and savings accounts, mortgages, loans, and credit services. It also provides wealth management and investment services, catering to clients seeking financial planning, investment advice, and trust services. Chemung Financial Corporation primarily serves customers across New York and Pennsylvania, with a focus on community banking and personalized service. The company is headquartered in Elmira, New York, and its shares are listed on the NASDAQ.
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