Short answer
CHEMUNG FINANCIAL CORP (CHMG) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $34M (up 4.7% year over year) with net income of $8M.
Q3 2025 key financials · XBRL
- Revenue
- $34M
- +4.7% YoY · +2.6% QoQ
- Net income
- $8M
- +36.2% YoY · +220.8% QoQ
- EPS (diluted)
- $1.62
- +36.1% YoY · +220.0% QoQ
Source: XBRL data from the CHEMUNG FINANCIAL CORP (CHMG) Q3 2025 10-Q on SEC EDGAR. USD.
CHEMUNG FINANCIAL CORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net interest income $22.7M, up 23.4% YoY from $18.4M
- Net income $7.8M, up 36.2% YoY from $5.7M
- Net interest margin 3.45% vs 2.72% YoY
- Commercial loan balances increased $183.3M; consumer loans decreased $36.2M
- Securities sales totaled $244.8M; brokered deposits fully repaid in July 2025
Risk Factors
- No new risk factor; management reported no material changes from the December 31, 2024 Form 10-K
- Regulatory uncertainty: additional presently unknown or immaterial risks could adversely affect operations
- Operational risk: carried-forward 10-K risks remain applicable without quarterly updates
- Financial risk: repurchase authorization leaves 200,816 shares available under the program
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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