Revenue: As of FY2025 Q3, the actual value is USD 28.78 M.EPS: As of FY2025 Q3, the actual value is USD 1.62, beating the estimate of USD 1.61.EBIT: As of FY2025 Q3, the actual value is USD -12.62 M.<h3>Segment Revenue</h3><ul><li>Loans, including fees: Revenue for the three months ended September 30, 2025, was $31,033 thousand, compared to $28,611 thousand for the same period in 2024. For the nine months ended September 30, 2025, revenue was $88,567 thousand compared to $83,323 thousand in 2024.</li><li>Taxable securities: Revenue for the three months ended September 30, 2025, was $1,653 thousand, compared to $3,060 thousand for the same period in 2024. For the nine months ended September 30, 2025, revenue was $7,206 thousand compared to $9,868 thousand in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Interest Income: For the three months ended September 30, 2025, net interest income was $22,688 thousand, compared to $18,388 thousand for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $63,313 thousand compared to $54,238 thousand in 2024.</li><li>Provision for Credit Losses: For the three months ended September 30, 2025, provision for credit losses was $1,064 thousand, compared to $564 thousand for the same period in 2024. For the nine months ended September 30, 2025, provision was $3,301 thousand compared to a credit of - $597 thousand in 2024.</li><li>Net Income: For the three months ended September 30, 2025, net income was $7,792 thousand, compared to $5,720 thousand for the same period in 2024. For the nine months ended September 30, 2025, net income was $7,363 thousand compared to $17,757 thousand in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $29,166 thousand for the nine months ended September 30, 2025, compared to $23,580 thousand for the same period in 2024.</li><li>Net Cash Provided by (Used in) Investing Activities: $139,533 thousand for the nine months ended September 30, 2025, compared to - $14,840 thousand for the same period in 2024.</li><li>Net Cash (Used in) Provided by Financing Activities: - $108,088 thousand for the nine months ended September 30, 2025, compared to $34,853 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: Ending balance of $23,645 thousand as of September 30, 2025, compared to $21,388 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The Corporation continues to focus on maintaining strong credit quality and managing interest rate risk effectively. The strategic emphasis is on enhancing loan portfolio performance and optimizing deposit mix.</li><li>Non-Core Business: The Corporation is exploring opportunities to divest non-core assets and streamline operations to improve efficiency and focus on core banking activities.</li></ul>

Chemung Financial | 10-Q: FY2025 Q3 Revenue: USD 28.78 M