Chemung Financial Corp (CHMG) — Tangible Net Worth Ratio
Chemung Financial Corp (CHMG) has a Tangible Net Worth Ratio of 100.0% as of March 2026. This metric is calculated by deducting intangible assets ($0.00) from net assets ($262.93 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See CHMG net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Chemung Financial Corp Tangible Net Worth Ratio (1993–2025)
This chart shows how Chemung Financial Corp's Tangible Net Worth Ratio has changed across 33 annual periods from 1993 to 2025. As of March 2026, the ratio stands at 100.0%, reflecting net assets of $262.93 Million with intangible assets of $0.00 USD. See Chemung Financial Corp defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Chemung Financial Corp (1993–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Chemung Financial Corp from 1993 to 2025, covering 33 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Chemung Financial Corp stock valuation.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 100.0% | $254.71 Million | $0.00 | $2.71 Billion | ▲ +0.0 pp |
| 2024 | 100.0% | $215.31 Million | $0.00 | $2.78 Billion | ▲ +0.0 pp |
| 2023 | 100.0% | $195.24 Million | $0.00 | $2.71 Billion | ▲ +0.0 pp |
| 2022 | 100.0% | $166.39 Million | $0.00 | $2.65 Billion | ▲ +0.0 pp |
| 2021 | 100.0% | $211.46 Million | $15.00K | $2.42 Billion | ▲ +0.1 pp |
| 2020 | 99.9% | $199.70 Million | $258.00K | $2.28 Billion | ▲ +0.3 pp |
| 2019 | 99.6% | $182.63 Million | $742.00K | $1.79 Billion | ▲ +0.4 pp |
| 2018 | 99.2% | $165.03 Million | $1.35 Million | $1.76 Billion | ▲ +0.5 pp |
| 2017 | 98.6% | $152.75 Million | $2.08 Million | $1.71 Billion | ▲ +0.7 pp |
| 2016 | 98.0% | $143.75 Million | $2.94 Million | $1.66 Billion | ▲ +0.8 pp |
| 2015 | 97.1% | $137.24 Million | $3.93 Million | $1.62 Billion | ▲ +0.9 pp |
| 2014 | 96.2% | $134.03 Million | $5.07 Million | $1.52 Billion | ▲ +0.8 pp |
| 2013 | 95.4% | $138.58 Million | $6.38 Million | $1.48 Billion | ▼ -0.7 pp |
| 2012 | 96.1% | $131.12 Million | $5.14 Million | $1.25 Billion | ▲ +1.0 pp |
| 2011 | 95.1% | $125.93 Million | $6.19 Million | $1.22 Billion | ▼ -0.1 pp |
| 2010 | 95.2% | $97.41 Million | $4.66 Million | $958.33 Million | ▲ +1.2 pp |
| 2009 | 94.0% | $90.09 Million | $5.39 Million | $975.92 Million | ▲ +1.5 pp |
| 2008 | 92.5% | $83.01 Million | $6.20 Million | $838.32 Million | ▲ +6381.6 pp |
| 2007 | -6289.1% | $88.11 Million | $5.63 Billion | $788.87 Million | ▼ -5213.6 pp |
| 2006 | -1075.6% | $81.76 Million | $961.16 Million | $738.17 Million | ▲ +498.4 pp |
| 2005 | -1573.9% | $81.18 Million | $1.36 Billion | $718.04 Million | ▲ +463.1 pp |
| 2004 | -2037.1% | $82.20 Million | $1.76 Billion | $722.54 Million | ▲ +556.1 pp |
| 2003 | -2593.2% | $79.99 Million | $2.15 Billion | $747.21 Million | ▲ +519.9 pp |
| 2002 | -3113.1% | $79.43 Million | $2.55 Billion | $751.17 Million | ▼ -3195.8 pp |
| 2001 | 82.7% | $79.16 Million | $13.66 Million | $725.07 Million | ▼ -17.3 pp |
| 2000 | 100.0% | $74.31 Million | $0.00 | $676.24 Million | ▲ +0.0 pp |
| 1999 | 100.0% | $65.31 Million | $0.00 | $653.24 Million | ▲ +0.0 pp |
| 1998 | 100.0% | $66.09 Million | $0.00 | $623.66 Million | ▲ +0.0 pp |
| 1997 | 100.0% | $61.64 Million | $0.00 | $548.93 Million | ▲ +0.0 pp |
| 1996 | 100.0% | $54.20 Million | $0.00 | $532.21 Million | ▲ +0.0 pp |
| 1995 | 100.0% | $52.90 Million | $0.00 | $501.89 Million | ▲ +17.4 pp |
| 1994 | 82.6% | $45.74 Million | $7.95 Million | $494.33 Million | ▼ -17.4 pp |
| 1993 | 100.0% | $38.33 Million | $0.00 | $398.12 Million | — |