Chemung Financial Growth Metrics (2016-2025) | CHMG

Growth Metrics Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Growth Ratios
EBITDA Margin Growth (1y) 69.00-1.98M-1.79M-0.01M-0.05M1.93M1.75M-0.05M0.00M0.01M-0.00M0.00M-0.00M-0.00M0.00M-874.000.01M0.01M0.00M0.01M-0.00M-0.00M-0.01M-0.01M-0.01M-0.01M0.13M0.12M0.13M0.12M-0.01M0.01M-0.01M-0.06M763.00
EBITDA Margin Growth (3y) -0.05M-0.05M-0.05M-0.05M-0.05M1.93M1.75M-0.05M0.01M0.01M0.00M0.01M0.01M-522.00-0.00M-0.00M283.00-0.01M0.13M0.11M0.12M0.11M0.11M0.11M0.11M0.06M0.12M
EBITDA Margin Growth (5y) -0.04M-0.04M-0.04M-0.04M-0.05M1.93M1.74M-0.05M-0.00M344.000.13M0.12M0.13M0.11M0.12M0.12M0.12M0.06M0.12M
EBITDA Margin (QoQ) -864.00838.00189.00-94.00-1.98M0.19M1.79M-0.04M-0.00M0.01M-0.01M0.00M0.00M-0.00M-0.00M-540.000.01M0.00M-0.01M0.01M382.00-0.00M-62.00-0.00M-0.00M-0.01M-0.00M0.00M113.000.13M-0.02M0.02M-0.01M0.00M-0.00M852.00-0.06M0.06M
EBIT Margin Growth (1y) 112.00-2.09M-1.89M-0.01M-0.05M2.04M1.84M-0.05M0.00M0.01M-0.00M0.00M-0.00M-0.00M0.00M-123.000.01M0.01M0.00M0.01M-0.00M-0.00M-0.01M-0.01M-0.01M-0.01M0.13M0.12M0.13M0.12M-0.01M0.01M-0.01M-0.06M762.00
EBIT Margin Growth (3y) -0.05M-0.05M-0.05M-0.06M-0.06M2.04M1.84M-0.05M0.01M0.01M0.01M0.01M0.01M275.00-0.00M-0.00M794.00-0.00M0.13M0.11M0.12M0.11M0.11M0.11M0.11M0.06M0.12M
EBIT Margin Growth (5y) -0.04M-0.04M-0.04M-0.04M-0.05M2.05M1.83M-0.05M-384.000.00M0.13M0.12M0.13M0.12M0.12M0.12M0.12M0.06M0.12M
EBIT Margin (QoQ) -906.00923.00185.00-91.00-2.09M0.21M1.88M-0.05M-0.00M0.01M-0.01M0.00M0.00M-0.00M-0.00M80.000.01M0.00M-0.01M0.01M286.00-0.00M-296.00-0.00M-0.00M-0.01M-0.00M0.00M-37.000.13M-0.02M0.02M-0.01M0.00M-0.00M0.00M-0.06M0.06M
EBT Margin Growth (1y) 161.000.61M0.75M-0.00M0.02M-0.60M-0.72M0.03M426.000.01M-0.03M-0.01M-0.01M0.01M0.02M0.00M0.02M719.00520.000.00M939.000.01M0.00M0.01M0.00M-0.01M0.00M-0.02M-0.00M-0.01M-0.01M0.01M-0.01M-0.05M0.01M
EBT Margin Growth (3y) 0.02M0.02M0.01M0.02M0.01M-0.58M-0.73M0.02M0.01M0.02M-0.01M368.000.01M0.01M0.02M0.02M0.02M-603.000.01M-0.01M0.00M-0.01M-0.01M-0.00M-0.01M-0.07M-169.00
EBT Margin Growth (5y) 0.03M0.03M0.03M0.03M0.03M-0.57M-0.72M0.04M0.01M0.02M0.00M-0.01M0.01M-0.00M0.01M0.00M0.01M-0.06M0.00M
EBT Margin (QoQ) -936.00916.00184.00-3.000.61M0.14M-0.75M0.02M-0.01M0.02M-0.01M-0.00M446.00-0.02M0.01M-0.01M0.02M-0.00M-0.00M0.01M603.00-0.00M-0.00M0.00M0.01M-0.01M0.00M-0.00M-0.01M0.01M-0.02M0.02M-0.01M0.00M670.000.00M-0.06M0.06M
Enterprise Value Growth (1y) -9.90%332.04%371,337.16%32.66%211.49%57.63%-46.99%-13.46%-47.32%-42.87%-36.45%3.73%-84.97%-122.16%-125.40%-22.96%141.01%677.78%1,137.19%33.07%325.42%28.63%4.16%-9.63%-9.59%-47.21%-48.84%-5.82%-41.23%32.14%63.46%-7.45%89.62%-180.46%-1.73%
Enterprise Value Growth (3y) 13.92%57.28%977.58%5.99%-37.29%-30.05%-27.76%-11.57%-42.43%-9.90%18.74%2.07%15.51%18.10%40.01%-2.51%110.07%80.93%95.98%4.24%31.24%-3.55%-4.50%-7.65%0.25%-36.82%-6.34%
Enterprise Value Growth (5y) -11.74%37.87%405.38%4.07%20.39%8.20%-1.56%-3.62%-6.00%-13.06%-2.26%-1.97%-3.92%2.82%18.07%-4.19%59.53%-33.06%61.18%
Enterprise Value (QoQ) -55.78%-99.85%375,771.20%-64.02%112.05%29.54%34.24%-15.53%7.31%-56.44%119.13%-48.58%16.37%-51.54%257.70%-92.55%-271.58%44.45%1,184.79%-76.69%311.33%-0.28%39.18%-25.48%24.37%-19.25%20.75%-25.44%-27.38%-21.75%122.31%-53.47%63.26%-3.20%25.87%-4.67%-169.28%218.22%
FCF Margin Growth (1y) 469.000.26M1.01M0.01M0.03M-0.26M-0.97M0.03M0.00M0.01M-0.00M-0.02M-0.00M0.01M-0.01M0.02M0.00M-786.000.01M-0.00M-0.01M0.01M0.03M-0.02M0.02M-0.02M-0.02M0.00M-0.01M-0.01M-0.01M0.00M-0.01M0.01M0.01M
FCF Margin Growth (3y) 0.03M0.02M0.03M0.02M0.02M-0.23M-0.99M0.03M0.00M0.02M-0.01M-0.00M-0.01M0.02M0.02M-0.01M0.01M-0.01M0.01M-0.02M-0.00M-0.01M-0.00M-0.02M0.00M-0.01M-0.02M
FCF Margin Growth (5y) 0.03M0.03M0.03M0.03M0.02M-0.22M-0.95M0.00M0.01M0.02M-0.00M-0.02M-0.00M-0.00M-0.01M-0.00M-0.00M-0.00M0.02M
FCF Margin (QoQ) -22.000.00M-0.00M0.00M0.26M0.74M-1.00M0.02M-0.02M0.03M-0.01M-0.00M-0.01M0.01M-0.02M0.01M0.01M-0.01M0.01M-0.00M0.00M-63.00-124.00-0.01M0.02M0.02M-0.05M0.03M-0.01M0.01M-0.02M0.02M-0.01M0.01M-0.01M0.01M0.01M0.01M
FCF Payout Ratio Growth (1y) -11.62%190.15%12.85%-76.55%-4.59%-31.92%-21.52%-5.48%-5.65%-53.69%12.54%81.40%16.17%-21.25%51.02%-52.89%-26.90%-18.85%-28.83%10.41%62.42%-8.27%-38.62%281.05%-42.40%68.98%56.00%-33.50%33.79%29.50%121.11%-15.51%19.52%-39.36%-60.07%
FCF Payout Ratio Growth (3y) -7.34%-2.93%-0.11%-26.19%1.50%-37.15%10.08%-6.87%-7.12%-33.36%6.55%-1.92%11.31%-16.31%-12.95%25.61%-11.90%7.95%-12.00%40.91%7.77%26.15%28.40%28.89%-2.71%9.89%11.26%
FCF Payout Ratio Growth (5y) -7.54%-10.18%1.39%-26.87%4.42%-28.66%-10.24%27.72%-5.60%-14.43%2.98%19.05%1.23%5.11%17.87%2.18%1.80%-0.24%-9.66%
FCF Payout Ratio (QoQ) 3.62%-33.74%402.15%-74.37%240.18%-74.23%4.34%4.30%142.73%-70.29%25.67%4.11%19.13%-27.79%102.55%-33.33%-19.24%38.48%-36.82%3.45%-10.35%21.45%-1.98%52.19%-49.37%-18.73%508.52%-77.00%48.54%-24.98%159.41%-53.72%43.79%28.09%-0.87%-34.53%-27.05%-15.66%
Gross Margin Growth (1y) 0.02M0.02M-829.00-131.0023.00350.00153.00-530.00-52.00-507.00-523.00517.00-230.00537.00364.0094.00365.00443.00-0.00M-119.00-514.00
Gross Margin Growth (3y) 0.02M0.02M-0.00M-144.00-259.00380.00-6.0081.0083.00472.00-0.00M492.00-378.00
Gross Margin Growth (5y) 0.02M0.02M-0.00M-170.00-408.00
Gross Margin (QoQ) 819.000.02M-443.00-46.00-314.00-27.00255.00108.0014.00-224.00-428.00586.00-441.00-240.00612.00-161.00326.00-413.00342.00110.00403.00-0.00M0.00M-284.00
Interest Coverage Ratio Growth (1y) 15.62%-691.04%-463.27%-213.85%-352.48%23.71%41.39%-44.07%51.24%51.55%36.01%8.14%-17.41%-73.24%-94.84%-77.62%-27.79%-4.00%-8.16%-3.97%-35.78%-1.24%57.68%74.15%86.17%88.83%130.91%135.96%178.82%198.61%-19.39%14.80%-2.67%-80.86%25.14%
Interest Coverage Ratio Growth (3y) -50.72%-61.15%-49.81%-51.93%-51.04%13.80%9.93%-32.96%9.89%4.43%-10.48%-19.26%-26.77%-22.18%3.75%21.85%37.86%51.01%28.89%27.99%29.03%28.29%28.17%28.19%28.18%26.43%32.23%
Interest Coverage Ratio Growth (5y) -32.84%-42.79%-37.25%-36.75%-35.15%7.58%19.67%8.78%32.77%37.07%16.83%16.63%17.31%17.09%17.32%17.05%16.91%15.12%16.46%
Interest Coverage Ratio (QoQ) -37.88%50.76%6.60%15.81%-417.56%7.34%66.59%-156.81%4.04%28.82%17.87%13.07%4.65%5.99%-17.90%-11.11%-40.68%-5.73%-7.48%20.06%-14.49%-9.96%-3.32%-4.39%14.63%54.04%36.89%44.16%31.06%227.21%-26.56%22.39%-13.75%3.98%4.59%3.76%-83.04%579.92%
Net Margin Growth (1y) 171.000.43M0.51M-0.00M0.02M-0.42M-0.49M0.03M464.000.01M-0.02M-0.01M-0.01M0.01M0.02M0.00M0.01M-842.00398.000.00M524.000.01M0.00M0.01M0.00M-0.01M0.00M-0.02M-0.00M-0.01M-0.01M0.01M-0.01M-0.04M0.01M
Net Margin Growth (3y) 0.02M0.02M0.01M0.02M0.01M-0.40M-0.49M0.02M0.01M0.01M-0.00M-0.00M0.01M0.01M0.02M0.01M0.02M-958.000.01M-0.01M0.00M-0.01M-0.00M-0.00M-0.00M-0.05M-592.00
Net Margin Growth (5y) 0.02M0.02M0.02M0.02M0.02M-0.40M-0.49M0.03M0.01M0.01M0.00M-0.01M0.01M-0.00M0.01M0.00M0.01M-0.05M0.00M
Net Margin (QoQ) -562.00594.00138.001.000.43M0.09M-0.52M0.02M-0.01M0.02M-0.00M-0.01M104.00-0.01M0.01M-0.01M0.01M-0.00M-0.00M0.00M-142.00-206.00-0.00M0.00M0.01M-0.00M0.00M-0.00M-0.00M0.01M-0.02M0.01M-0.01M0.00M465.000.00M-0.04M0.05M
Operating Margin Growth (1y) 2.04M1.84M-0.05M0.00M0.01M-0.00M0.00M-0.00M-0.00M0.00M-123.000.01M0.01M0.00M0.01M-0.00M-0.00M-0.01M-0.01M-0.01M-0.01M
Operating Margin Growth (3y) 2.04M1.84M-0.05M0.01M0.01M0.01M0.01M0.01M275.00-0.00M-0.00M794.00-0.00M
Operating Margin Growth (5y) 2.05M1.83M-0.05M-384.000.00M
Operating Margin (QoQ) 0.21M1.88M-0.05M-0.00M0.01M-0.01M0.00M0.00M-0.00M-0.00M80.000.01M0.00M-0.01M0.01M286.00-0.00M-296.00-0.00M-0.00M-0.01M-0.00M0.00M-37.00
Return on Assets Growth (1y) 0.00M0.00M0.00M0.00M1.001.001.000.00M0.00M0.00M-1.000.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M
Return on Assets Growth (3y) 0.00M0.00M0.00M0.00M0.00M0.00M1.000.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M-1.00-1.00
Return on Assets Growth (5y) 1.000.00M0.00M0.00M1.001.001.000.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M
Return on Assets (QoQ) 0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M0.00M
Return on Equity Growth (1y) -2.00-1.00-2.00-1.007.006.007.002.00-4.00-4.00-5.000.00M1.005.005.003.003.002.003.005.005.003.000.00M0.00M-4.00-4.00-4.00-6.00-3.00-2.00-7.00-5.00
Return on Equity Growth (3y) 2.000.00M0.00M1.005.006.007.005.000.00M2.003.007.009.0010.008.007.004.001.000.00M-2.00-2.00-3.00-11.00-11.00
Return on Equity Growth (5y) 6.006.008.009.0013.0011.0010.009.001.001.00-1.001.002.003.00-3.00-4.00
Return on Equity (QoQ) 0.00M1.000.00M-3.001.000.00M2.005.00-1.001.00-3.00-1.00-1.000.00M2.000.00M2.000.00M0.00M0.00M1.002.001.001.00-1.00-2.001.00-3.00-1.00-1.00-2.001.00-1.00-5.001.00
Return on Invested Capital Growth (1y) -16.00-22.00-17.00-9.00-17.00-9.00-5.00-4.004.003.002.002.002.002.002.001.002.000.00M-2.00-5.00-7.00-5.00-3.0013.0028.0041.0054.0039.0025.0010.00-9.00-8.00
Return on Invested Capital Growth (3y) -29.00-29.00-20.00-11.00-11.00-5.00-2.00-1.008.005.001.00-1.00-3.00-2.00-3.0010.0023.0037.0049.0047.0046.0046.0043.0044.00
Return on Invested Capital Growth (5y) -25.00-27.00-21.00-14.00-16.00-9.00-7.008.0029.0042.0052.0051.0050.0049.0042.0040.00
Return on Invested Capital (QoQ) 0.00M-8.00-8.000.00M-6.00-3.00-1.00-8.002.002.000.00M1.000.00M1.001.000.00M0.00M0.00M0.00M1.00-1.00-2.00-2.00-2.001.000.00M14.0013.0014.0013.00-2.000.00M-1.00-6.00-1.00
Return on Sales Growth (1y) 14.0066.0042.0041.00183.00132.00171.00109.00-46.00-68.00-78.0011.0039.0090.0076.0039.0036.006.0022.0028.0041.0049.0017.0019.00-41.00-55.00-56.00-90.00-34.00-41.00-122.00-79.00
Return on Sales Growth (3y) 151.00130.00135.00161.00176.00154.00170.00159.0028.0028.0021.0078.00116.00145.00116.0086.0036.000.00M-16.00-43.00-34.00-47.00-161.00-150.00
Return on Sales Growth (5y) 225.00226.00234.00228.00253.00209.00209.00206.0028.0022.00-18.007.0040.0049.00-62.00-83.00
Return on Sales (QoQ) 0.00M7.0013.00-7.0053.00-17.0011.00136.001.0023.00-51.00-19.00-20.0012.0038.008.0031.00-2.001.005.001.0015.007.0018.009.00-17.008.00-42.00-5.00-17.00-26.0014.00-12.00-99.0018.00