The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/5Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.6.4%
PassDebt under half of equityNot relying on borrowed money.0.39x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$43.8M
MissShare count not growingNot diluting owners. Falling means buybacks.+2.4% in 3 years
Total debt
$99.1M
0.39x equity
Free cash flow
$43.8M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 22After close4:15 pm ET
From the press release
Chemung Financial Corporation Reports Third Quarter 2026 Net Income of $12.7 million, or $2.63 per share .
Net interest income increased $3.0 million, or 13.2%, and pre-provision net revenue increased $2.8 million, or 24.9%, in the third quarter of 2026, each compared to the same period in the prior year. 1 .
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$1.82
vs -$1.35
Free cash flow
$8.9M
Share count
+0.6%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
59/ 100
This week
1
Normal week
0.7
vs normal
1.4x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+7.7%
Institutions added 7.7% to their holdings. 57 bought, 28 sold. 2 quarters of net buying in a row.
Shares held by institutions2.4M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.7%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.4x · $99.1M debt
Shares outstandingLatest reported
5M
Earnings reports
Last 12
Next reportAround Jan 25, 2027 (est.)Estimated from the same quarter last year
Results filedOct 22
Results filedJul 22
Results filedApr 17
Results filedJan 26
Results filedOct 21, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.