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Visual22 Oct 2025
Epiroc's cash spent on M&A
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 from a net loss of $6.5 million in Q2 2025 and up 36% from $5.7 million in Q3 2024.
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 9.1% sequentially to $22.7 million, and 23.4% year-over-year.
Net interest margin increased to 3.45% from 3.05% in Q2 2025 and 2.72% in Q3 2024.
Non-interest income was $6.1 million, up from $5.9 million in Q3 2024, with recurring non-interest income stable quarter-over-quarter.
Non-interest expense was $17.6 million, up 6.7% year-over-year, but down 1.1% sequentially.
Provision for credit losses was $1.1 million, up from $0.6 million in Q3 2024, reflecting loan growth.
Return on average assets was 1.15% and return on average equity was 12.89% for Q3 2025.
Outlook and guidance
Management expects continued strength in core operations and credit quality, with strong loan pipelines and a focus on relationship banking.
The company remains well positioned for long-term value creation.
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 202528 Jan, 2026
Next Chemung Financial Corporation earnings date
Q4 202528 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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