Chemung Financial annual return on equity
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Chemung Financial Return on Equity (ROE) Growth & History (CHMG)
Chemung Financial's return on equity was 6.43% for fiscal 2025.
View full Chemung Financial company overviewChemung Financial annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 6.43% | −5.10 pp |
| 2024 | 2024-12-31 | 11.53% | −2.29 pp |
| 2023 | 2023-12-31 | 13.83% | −1.41 pp |
| 2022 | 2022-12-31 | 15.24% | +2.38 pp |
| 2021 | 2021-12-31 | 12.85% | +2.78 pp |
| 2020 | 2020-12-31 | 10.08% | +1.10 pp |
| 2019 | 2019-12-31 | 8.98% | −3.49 pp |
| 2018 | 2018-12-31 | 12.47% | +7.41 pp |
| 2017 | 2017-12-31 | 5.06% | −2.07 pp |
| 2016 | 2016-12-31 | 7.14% | +0.17 pp |
| 2015 | 2015-12-31 | 6.96% | +0.97 pp |
| 2014 | 2014-12-31 | 5.99% | −0.48 pp |
| 2013 | 2013-12-31 | 6.47% | −2.10 pp |
| 2012 | 2012-12-31 | 8.58% | −0.86 pp |
| 2011 | 2011-12-31 | 9.44% | −1.34 pp |
| 2010 | 2010-12-31 | 10.78% | — |
Chemung Financial quarterly return on equity
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Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 3.30% | +6.09 pp |
| Q1 2026 | 2026-03-31 | 3.55% | +0.84 pp |
| Q4 2025 | 2025-12-31 | 3.10% | +0.38 pp |
| Q3 2025 | 2025-09-30 | 3.24% | +0.53 pp |
| Q2 2025 | 2025-06-30 | −2.79% | −5.29 pp |
| Q1 2025 | 2025-03-31 | 2.72% | −0.88 pp |
| Q4 2024 | 2024-12-31 | 2.71% | +0.63 pp |
| Q3 2024 | 2024-09-30 | 2.71% | −1.69 pp |
| Q2 2024 | 2024-06-30 | 2.50% | −1.04 pp |
| Q1 2024 | 2024-03-31 | 3.59% | −0.64 pp |
| Q4 2023 | 2023-12-31 | 2.08% | −2.54 pp |
| Q3 2023 | 2023-09-30 | 4.40% | +0.49 pp |
| Q2 2023 | 2023-06-30 | 3.54% | −0.91 pp |
| Q1 2023 | 2023-03-31 | 4.23% | +0.77 pp |
| Q4 2022 | 2022-12-31 | 4.62% | +1.53 pp |
| Q3 2022 | 2022-09-30 | 3.91% | +0.67 pp |
| Q2 2022 | 2022-06-30 | 4.46% | +1.05 pp |
| Q1 2022 | 2022-03-31 | 3.46% | +0.15 pp |
| Q4 2021 | 2021-12-31 | 3.09% | +0.45 pp |
| Q3 2021 | 2021-09-30 | 3.24% | +0.32 pp |
| Q2 2021 | 2021-06-30 | 3.41% | +0.38 pp |
| Q1 2021 | 2021-03-31 | 3.31% | +1.98 pp |
| Q4 2020 | 2020-12-31 | 2.64% | +0.33 pp |
| Q3 2020 | 2020-09-30 | 2.92% | +1.83 pp |
| Q2 2020 | 2020-06-30 | 3.03% | +0.18 pp |
| Q1 2020 | 2020-03-31 | 1.34% | −1.32 pp |
| Q4 2019 | 2019-12-31 | 2.31% | −1.26 pp |
| Q3 2019 | 2019-09-30 | 1.09% | −3.41 pp |
| Q2 2019 | 2019-06-30 | 2.85% | +1.17 pp |
| Q1 2019 | 2019-03-31 | 2.66% | −0.30 pp |
| Q4 2018 | 2018-12-31 | 3.56% | +4.98 pp |
| Q3 2018 | 2018-09-30 | 4.50% | +2.11 pp |
| Q2 2018 | 2018-06-30 | 1.67% | −0.30 pp |
| Q1 2018 | 2018-03-31 | 2.96% | +0.92 pp |
| Q4 2017 | 2017-12-31 | −1.42% | −3.47 pp |
| Q3 2017 | 2017-09-30 | 2.39% | +0.48 pp |
| Q2 2017 | 2017-06-30 | 1.97% | +0.83 pp |
| Q1 2017 | 2017-03-31 | 2.04% | +0.09 pp |
| Q4 2016 | 2016-12-31 | 2.05% | +0.50 pp |
| Q3 2016 | 2016-09-30 | 1.90% | +0.12 pp |
| Q2 2016 | 2016-06-30 | 1.14% | −0.75 pp |
| Q1 2016 | 2016-03-31 | 1.95% | +0.26 pp |
| Q4 2015 | 2015-12-31 | 1.54% | −1.74 pp |
| Q3 2015 | 2015-09-30 | 1.78% | +2.01 pp |
| Q2 2015 | 2015-06-30 | 1.89% | +0.52 pp |
| Q1 2015 | 2015-03-31 | 1.69% | +0.21 pp |
| Q4 2014 | 2014-12-31 | 3.28% | +2.19 pp |
| Q3 2014 | 2014-09-30 | −0.23% | −1.86 pp |
| Q2 2014 | 2014-06-30 | 1.37% | −0.63 pp |
| Q1 2014 | 2014-03-31 | 1.48% | −0.35 pp |
| Q4 2013 | 2013-12-31 | 1.09% | −0.53 pp |
| Q3 2013 | 2013-09-30 | 1.63% | −0.53 pp |
| Q2 2013 | 2013-06-30 | 2.00% | +0.11 pp |
| Q1 2013 | 2013-03-31 | 1.83% | −1.01 pp |
| Q4 2012 | 2012-12-31 | 1.61% | −0.71 pp |
| Q3 2012 | 2012-09-30 | 2.15% | −0.42 pp |
| Q2 2012 | 2012-06-30 | 1.89% | −0.45 pp |
| Q1 2012 | 2012-03-31 | 2.84% | — |
| Q4 2011 | 2011-12-31 | 2.33% | — |
| Q3 2011 | 2011-09-30 | 2.58% | — |
| Q2 2011 | 2011-06-30 | 2.34% | — |
Chemung Financial return on equity trends
Over the last five fiscal years, Chemung Financial's return on equity decreased from 10.08% to 6.43%, a change of −3.65 percentage points. The latest reported quarter, Q2 2026, shows 3.30%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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