Chemung Financial Q4 EPS $1.24, FY net income $23.7M; net interest margin expands 20bps QoQ

CHEMUNG FINANCIAL CORP

2024-FY EPS reported $4.96

Annual net income $23.7M ($4.96 EPS) vs $25.0M ($5.28) prior year; net interest margin 2.76% vs 2.85%.
Q4 net income $5.9M ($1.24 EPS) vs $5.7M ($1.19) Q3 and $3.8M ($0.80) Q4 2023.
Net interest margin Q4 2.92% (+20bps QoQ); loan growth 5% annual; commercial loans up 13.3%.
Non-performing loans 0.43% of total loans, down 10bps YoY; allowance for credit losses $21.4M.
Q4 dividend $0.31 per share; wealth management fee income up $1.1M for the year.

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