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Chemung Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Fourth quarter 2025 net income was $7.7 million ($1.61 per share), up 30.9% year-over-year but slightly down from the prior quarter; annual net income was $15.1 million ($3.14 per share), impacted by a $17.5 million loss on securities sales as part of balance sheet repositioning.
Excluding one-time items, non-GAAP annual net income was $27.9 million ($5.80 per share), up 17.8% from 2024.
Strategic repositioning led to improved net interest margin, strong commercial loan growth, and disciplined funding cost management.
Financial highlights
Net interest income for 2025 rose 17.7% to $87.2 million; net interest margin increased 50 basis points to 3.26% year-over-year.
Fourth quarter net interest income was $23.8 million, up 20.2% year-over-year and 4.8% sequentially.
Non-interest income for 2025 was $7.9 million, down 65.9% due to a $17.5 million loss on securities sales; excluding this, non-interest income increased in several categories.
Non-interest expense for 2025 increased 5.1% to $70.7 million, mainly from higher salaries, benefits, and charitable donations.
Provision for credit losses was $4.4 million for 2025, up from a $46,000 credit in 2024, reflecting updated loss drivers and loan growth.
Annual loan growth was $198.1 million (9.6%), with commercial loans up $217.4 million (14.3%).
Outlook and guidance
Entering 2026 with a focus on strengthening capabilities, enhancing customer service, and building scale and resiliency for sustainable growth.
Repositioning's impact on adjusted net income
Key drivers of 2025 loan portfolio shifts
Impact of brokered deposit elimination on funding
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Next Chemung Financial earnings date
Q1 202617 Apr, 2026
Chemung Financial
Next Chemung Financial earnings date
Q1 202617 Apr, 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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