Chemung Financial (CHMG) Revenue & Revenue Breakdown

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Chemung Financial Revenue Highlights

Latest Revenue (Y)

$139.94M

Latest Revenue (Q)

$33.88M

Main Segment (Y)

W M G Fee Income

Main Geography (Y)

W M G Fee Income

Chemung Financial Revenue by Period

Chemung Financial Revenue by Year

Date	Revenue	Change
2025-12-31	$139.94M	-6.46%
2024-12-31	$149.61M	9.54%
2023-12-31	$136.58M	34.02%
2022-12-31	$101.91M	10.96%
2021-12-31	$91.84M	5.74%
2020-12-31	$86.86M	0.74%
2019-12-31	$86.22M	-0.63%
2018-12-31	$86.76M	8.66%
2017-12-31	$79.85M	4.18%
2016-12-31	$76.65M	3.58%
2015-12-31	$74.00M	-6.52%
2014-12-31	$79.16M	17.29%
2013-12-31	$67.49M	-1.44%
2012-12-31	$68.48M	1.34%
2011-12-31	$67.57M	8.55%
2010-12-31	$62.25M	-0.31%
2009-12-31	$62.44M	-1.48%
2008-12-31	$63.38M	4.75%
2007-12-31	$60.50M	12.18%
2006-12-31	$53.94M	10.14%
2005-12-31	$48.97M	-2.97%
2004-12-31	$50.47M	-3.03%
2003-12-31	$52.05M	-4.57%
2002-12-31	$54.54M	-8.06%
2001-12-31	$59.33M	2.27%
2000-12-31	$58.01M	8.26%
1999-12-31	$53.58M	100.81%
1998-12-31	$26.68M	9.29%
1997-12-31	$24.42M	6.67%
1996-12-31	$22.89M	213.55%
1995-12-31	$7.30M	15.71%
1994-12-31	$6.31M	-10.20%
1993-12-31	$7.03M	-

Chemung Financial generated $139.94M in revenue during NA 2025, up -6.46% compared to the previous quarter, and up 161.12% compared to the same period a year ago.

Chemung Financial Revenue by Quarter

Date	Revenue	Change
2025-09-30	$33.88M	51.75%
2025-06-30	$22.33M	-40.15%
2025-03-31	$37.31M	-2.53%
2024-12-31	$38.28M	0.93%
2024-09-30	$37.93M	3.11%
2024-06-30	$36.78M	0.45%
2024-03-31	$36.62M	2.74%
2023-12-31	$35.65M	-2.54%
2023-09-30	$36.57M	11.05%
2023-06-30	$32.94M	4.82%
2023-03-31	$31.42M	7.52%
2022-12-31	$29.22M	11.97%
2022-09-30	$26.10M	10.21%
2022-06-30	$23.68M	3.38%
2022-03-31	$22.91M	-1.10%
2021-12-31	$23.16M	-1.06%
2021-09-30	$23.41M	1.12%
2021-06-30	$23.15M	4.61%
2021-03-31	$22.13M	-3.53%
2020-12-31	$22.94M	5.44%
2020-09-30	$21.75M	1.81%
2020-06-30	$21.36M	2.70%
2020-03-31	$20.80M	-3.92%
2019-12-31	$21.65M	0.28%
2019-09-30	$21.59M	0.07%
2019-06-30	$21.58M	0.86%
2019-03-31	$21.39M	-0.60%
2018-12-31	$21.52M	-7.44%
2018-09-30	$23.25M	10.69%
2018-06-30	$21.01M	0.17%
2018-03-31	$20.98M	4.93%
2017-12-31	$19.99M	1.14%
2017-09-30	$19.76M	5.09%
2017-06-30	$18.81M	3.19%
2017-03-31	$18.23M	1.33%
2016-12-31	$17.99M	-1.79%
2016-09-30	$18.31M	1.76%
2016-06-30	$18.00M	-2.80%
2016-03-31	$18.51M	3.90%
2015-12-31	$17.82M	2.46%
2015-09-30	$17.39M	-2.29%
2015-06-30	$17.80M	2.36%
2015-03-31	$17.39M	-28.11%
2014-12-31	$24.19M	41.09%
2014-09-30	$17.14M	-1.11%
2014-06-30	$17.34M	2.89%
2014-03-31	$16.85M	1.40%
2013-12-31	$16.62M	6.07%
2013-09-30	$15.66M	0.35%
2013-06-30	$15.61M	0.10%
2013-03-31	$15.60M	4.41%
2012-12-31	$14.94M	-5.67%
2012-09-30	$15.84M	2.19%
2012-06-30	$15.50M	-8.38%
2012-03-31	$16.91M	5.36%
2011-12-31	$16.05M	-1.15%
2011-09-30	$16.24M	0.27%
2011-06-30	$16.20M	25.61%
2011-03-31	$12.89M	-15.70%
2010-12-31	$15.30M	17.79%
2010-09-30	$12.99M	-3.95%
2010-06-30	$13.52M	5.89%
2010-03-31	$12.77M	-3.76%
2009-12-31	$13.27M	1.49%
2009-09-30	$13.07M	9.81%
2009-06-30	$11.90M	-1.37%
2009-03-31	$12.07M	-5.51%
2008-12-31	$12.77M	4.93%
2008-09-30	$12.17M	2.27%
2008-06-30	$11.90M	1.19%
2008-03-31	$11.76M	5.91%
2007-12-31	$11.11M	-

Chemung Financial generated $33.88M in revenue during Q3 2025, up 51.75% compared to the previous quarter, and up 92.12% compared to the same period a year ago.

Chemung Financial Revenue Breakdown

Chemung Financial Revenue Breakdown by Product

Annual Revenue by Product

Product/Service	Dec 25	Dec 24	Dec 23	Dec 22	Dec 21
Overdraft Fees	$2.86M	$3.00M	$3.10M	$3.08M	$2.27M
Interchange Revenue	$4.30M	$4.43M	$4.61M	$4.60M	$4.84M
Sale of Loans	$261.00K	$214.00K	$144.00K	$107.00K	$1.07M
Product and Service, Other	$2.94M	$1.58M	$4.14M	$1.67M	$2.19M
Loan Servicing Fees	$149.00K	$144.00K	$144.00K	$153.00K	$148.00K
W M G Fee Income	$11.95M	$11.57M	$10.46M	$10.28M	$11.07M
Service Charge on Deposits, Other	$1.56M	$1.04M	$823.00K	$704.00K	$948.00K
Investment Brokerage	$1.18M	$1.05M	$995.00K	$1.08M	$1.04M

Chemung Financial's latest annual revenue breakdown by segment (product or service), as of Dec 25: W M G Fee Income (47.40%), Interchange Revenue (17.07%), Product and Service, Other (11.66%), Overdraft Fees (11.36%), Service Charge on Deposits, Other (6.21%), Investment Brokerage (4.67%), Sale of Loans (1.04%), and Loan Servicing Fees (0.59%).

Quarterly Revenue by Product

Product/Service	Dec 25	Sep 25	Jun 25	Mar 25	Dec 24	Sep 24	Mar 24	Dec 23	Sep 23	Jun 23	Mar 23	Dec 22	Sep 22	Jun 22	Mar 22	Dec 21	Sep 21	Jun 21	Mar 21	Dec 20
Loan Servicing Fees	$38.00K	$39.00K	$36.00K	$36.00K	$72.00K	$36.00K	$36.00K	$37.00K	$35.00K	$36.00K	$36.00K	$38.00K	$38.00K	$38.00K	$39.00K	$40.00K	$38.00K	$35.00K	$35.00K	-
Interchange Revenue	$1.08M	$1.07M	$1.11M	$1.04M	$2.24M	$1.12M	$1.06M	$1.14M	$1.14M	$1.19M	$1.13M	$1.14M	$1.13M	$1.21M	$1.13M	$1.22M	$1.24M	$1.26M	$1.12M	-
Investment Brokerage	$383.00K	$300.00K	$270.00K	$223.00K	$520.00K	$306.00K	$228.00K	$246.00K	$243.00K	$265.00K	$241.00K	$304.00K	$251.00K	$271.00K	$253.00K	$247.00K	$346.00K	$236.00K	$214.00K	-
Overdraft Fees	$713.00K	$699.00K	$719.00K	$731.00K	$1.52M	$768.00K	$710.00K	$788.00K	$817.00K	$777.00K	$714.00K	$838.00K	$846.00K	$727.00K	$673.00K	$705.00K	$623.00K	$489.00K	$450.00K	-
Service Charge on Deposits, Other	$386.00K	$395.00K	$395.00K	$389.00K	$558.00K	$248.00K	$239.00K	$213.00K	$201.00K	$182.00K	$227.00K	$161.00K	$143.00K	$209.00K	$191.00K	$204.00K	$233.00K	$243.00K	$267.00K	-
Sale of Loans	$92.00K	$78.00K	$51.00K	$40.00K	$91.00K	$91.00K	$32.00K	$54.00K	$67.00K	$18.00K	$5.00K	$1.00K	$7.00K	$25.00K	$74.00K	$189.00K	$242.00K	$342.00K	$300.00K	-
Products And Services, Other	-	$393.00K	$1.10M	$616.00K	$247.00K	$536.00K	$2.83M	$450.00K	$405.00K	$281.00K	$400.00K	$648.00K	$458.00K	$968.00K	$471.00K	-	-	-	-	-
WMG Fee Income	-	$2.97M	$2.99M	$2.87M	$2.99M	$2.70M	$2.53M	$2.60M	$2.58M	$2.40M	$2.63M	$2.76M	$2.77M	$2.80M	$2.68M	-	-	-	-	-
W M G Fee Income	-	-	-	-	-	-	-	-	-	-	-	$2.49M	$2.83M	-	-	-	-	-	-	-
Service Charge on Deposits	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	$840.00K

Chemung Financial's latest quarterly revenue breakdown by segment (product or service), as of Dec 25: Interchange Revenue (40.16%), Overdraft Fees (26.47%), Service Charge on Deposits, Other (14.33%), Investment Brokerage (14.22%), Sale of Loans (3.41%), and Loan Servicing Fees (1.41%).

Chemung Financial Revenue Breakdown by Country

Annual Revenue by Country

Country	Dec 22	Dec 21	Dec 20	Dec 19	Dec 18
Product and Service, Other	$1.67M	$2.19M	-	-	-
Sale of Loans	$107.00K	$1.07M	-	-	-
Interchange Revenue	$4.60M	$4.84M	$4.04M	-	-
W M G Fee Income	$10.28M	$11.07M	-	-	-
Service Charge on Deposits, Other	$704.00K	$948.00K	-	-	-
Loan Servicing Fees	$153.00K	$148.00K	-	-	-
Overdraft Fees	$3.08M	$2.27M	-	-	-
Investment Brokerage	$1.08M	$1.04M	-	-	-
Service Charge on Deposits	-	-	$3.13M	$4.46M	-
Wealth Management Group Services	-	-	-	-	$9.32M

Chemung Financial's latest annual revenue breakdown by geography, as of Dec 22: W M G Fee Income (47.42%), Interchange Revenue (21.23%), Overdraft Fees (14.23%), Product and Service, Other (7.70%), Investment Brokerage (4.98%), Service Charge on Deposits, Other (3.25%), Loan Servicing Fees (0.71%), and Sale of Loans (0.49%).

Chemung Financial Peer Comparison by Revenue

Ticker	Company	Last Year Revenue	Last Quarter Revenue
MYFW	First Western Financial	$186.35M	$6.84M
CZFS	Citizens Financial Services	$173.24M	$33.16M
ISTR	Investar	$153.49M	$37.09M
FDBC	Fidelity D & D Bancorp	$140.40M	$1.30K
CHMG	Chemung Financial	$139.94M	$33.88M
NWFL	Norwood Financial	$136.14M	$27.59M
WNEB	Western New England Bancorp	$129.83M	$26.69M
FUNC	First United	$119.18M	$1.88M
TSBK	Timberland Bancorp	$114.61M	$29.95M
FINW	FinWise Bancorp	$69.82M	$23.97M
PVBC	Provident Bancorp	$55.40M	$18.39M

CHMG Revenue FAQ

What is Chemung Financial’s yearly revenue?

Chemung Financial's yearly revenue for 2025 was $139.94M, representing a decrease of -6.46% compared to 2024. The company's yearly revenue for 2024 was $149.61M, representing an increase of 9.54% compared to 2023. CHMG's yearly revenue for 2023 was $136.58M, representing an increase of 34.02% compared to 2022.

What is Chemung Financial’s quarterly revenue?

Chemung Financial's quarterly revenue for Q3 2025 was $33.88M, a 51.75% increase from the previous quarter (Q2 2025), and a -10.66% decrease year-over-year (Q3 2024). The company's quarterly revenue for Q2 2025 was $22.33M, a -40.15% decrease from the previous quarter (Q1 2025), and a -39.30% decrease year-over-year (Q2 2024). CHMG's quarterly revenue for Q1 2025 was $37.31M, a -2.53% decrease from the previous quarter (Q4 2024), and a 1.88% increase year-over-year (Q1 2024).

What is Chemung Financial’s revenue growth rate?

Chemung Financial's revenue growth rate for the last 3 years (2023-2025) was 2.47%, and for the last 5 years (2021-2025) was 52.38%.

What are Chemung Financial’s revenue streams?

Chemung Financial's revenue streams in c 25 are Overdraft Fees, Interchange Revenue, Sale of Loans, Product and Service, Other, Loan Servicing Fees, W M G Fee Income, Service Charge on Deposits, Other, and Investment Brokerage. Overdraft Fees generated $2.86M in revenue, accounting 11.36% of the company's total revenue, down -4.50% year-over-year. Interchange Revenue generated $4.3M in revenue, accounting 17.07% of the company's total revenue, down -2.80% year-over-year. Sale of Loans generated $261K in revenue, accounting 1.04% of the company's total revenue, up 21.96% year-over-year. Product and Service, Other generated $2.94M in revenue, accounting 11.66% of the company's total revenue, up 86.19% year-over-year. Loan Servicing Fees generated $149K in revenue, accounting 0.59% of the company's total revenue, up 3.47% year-over-year. W M G Fee Income generated $11.94M in revenue, accounting 47.40% of the company's total revenue, up 3.21% year-over-year. Service Charge on Deposits, Other generated $1.56M in revenue, accounting 6.21% of the company's total revenue, up 49.76% year-over-year. Investment Brokerage generated $1.18M in revenue, accounting 4.67% of the company's total revenue, up 11.57% year-over-year.

What is Chemung Financial’s main source of revenue?

For the fiscal year ending Dec 25, the largest source of revenue of Chemung Financial was W M G Fee Income. This segment made a revenue of $11.94M, representing 47.40% of the company's total revenue.