Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 5.05% is 130% above its 5-year average of 2.19%, near the high end of its 5-year range (0.18%–5.05%).
As of the fiscal period ended Tuesday, June 30, 2026. 61.21% above its 12-month average of 3.13%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 5.05%.
DEBT TO ASSETS RATIO
5.05%
DEBT TO ASSETS RATIO AVG TTM
3.13%
DEBT TO ASSETS RATIO AVG 3Y
2.55%
DEBT TO ASSETS RATIO AVG 5Y
2.19%
DEBT TO ASSETS RATIO AVG 10Y
1.81%
DEBT TO ASSETS RATIO AVG 15Y
2.58%
DEBT TO ASSETS RATIO AVG 20Y
4.04%
CURRENT VS TTM AVG
+61.21%
CURRENT VS 3Y AVG
+98.12%
CURRENT VS 5Y AVG
+130.39%
CURRENT VS 10Y AVG
+179.06%
CURRENT VS 15Y AVG
+95.93%
CURRENT VS 20Y AVG
+24.84%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 467 covered companies
CURRENT VS SECTOR MEDIAN
+9996.72%
vs the sector median at left
Chemung Financial Corporation
Market Cap
$397.30M
Debt to Assets Ratio
5.05%
TTM Avg
3.13%
3Y Avg
2.55%
5Y Avg
2.19%
Market Cap
$399.12M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$403.01M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$391.04M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$388.84M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$383.23M
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$381.80M
Debt to Assets Ratio
0.12%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$380.90M
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$417.31M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Chemung Financial Corporation (CHMG) | $397.30M | 5.05% | 3.13% | 2.55% | 2.19% |
| GP-Act III Acquisition Corp. (GPAT)vs › | $399.12M | 0.01% | N/A | N/A | N/A |
| Investar Holding Corporation (ISTR)vs › | $403.01M | 0.05% | N/A | N/A | N/A |
| Berto Acquisition Corp. II (GUAC)vs › | $391.04M | N/A | N/A | N/A | N/A |
| Centurion Acquisition Corp. (ALF)vs › | $388.84M | 0.00% | N/A | N/A | N/A |
| Primis Financial Corp (FRST)vs › | $383.23M | 0.10% | N/A | N/A | N/A |
| Citizens Financial Services, Inc. (CZFS)vs › | $381.80M | 0.12% | N/A | N/A | N/A |
| The First Bancorp, Inc. (FNLC)vs › | $380.90M | 0.07% | N/A | N/A | N/A |
| General Catalyst Global Resilience Merger Corp. (GCGR)vs › | $417.31M | N/A | N/A | N/A | N/A |
| K&F Growth Acquisition Corp. II Class A Ordinary shares (KFII)vs › | $419.65M | 0.00% | N/A | N/A | N/A |
Debt/Assets
5.0%
Debt/Equity
0.53
Current ratio and interest coverage is unavailable for Chemung Financial Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 5.05% |
| 2026-03-31 | 4.69% |
| 2025-12-31 | 0.18% |
| 2025-09-30 | 1.95% |
| 2025-06-30 | 3.79% |
| 2025-03-31 | 3.37% |
| 2024-12-31 | 4.27% |
| 2024-09-30 | 2.15% |
| 2024-06-30 | 3.26% |
| 2024-03-31 | 0.33% |
| 2023-12-31 | 1.51% |
| 2023-09-30 | 0.34% |
| 2023-06-30 | 2.25% |
| 2023-03-31 | 3.76% |
| 2022-12-31 | 4.00% |
| 2022-09-30 | 0.43% |
| 2022-06-30 | 2.30% |
| 2022-03-31 | 0.43% |
| 2021-12-31 | 1.06% |
| 2021-09-30 | 0.45% |
| 2021-06-30 | 0.47% |
| 2021-03-31 | 0.46% |
| 2020-12-31 | 0.49% |
| 2020-09-30 | 0.54% |
| 2020-06-30 | 0.57% |
| 2020-03-31 | 0.65% |
| 2019-12-31 | 0.68% |
| 2019-09-30 | 0.68% |
| 2019-06-30 | 0.71% |
| 2019-03-31 | 0.71% |
| 2018-12-31 | 0.25% |
| 2018-09-30 | 0.25% |
| 2018-06-30 | 3.70% |
| 2018-03-31 | 0.85% |
| 2017-12-31 | 4.34% |
| 2017-09-30 | 1.36% |
| 2017-06-30 | 1.49% |
| 2017-03-31 | 1.67% |
| 2016-12-31 | 2.50% |
| 2016-09-30 | 3.12% |
| 2016-06-30 | 3.13% |
| 2016-03-31 | 3.09% |
| 2015-12-31 | 3.98% |
| 2015-09-30 | 3.22% |
| 2015-06-30 | 4.49% |
| 2015-03-31 | 3.37% |
| 2014-12-31 | 5.46% |
| 2014-09-30 | 3.82% |
| 2014-06-30 | 3.65% |
| 2014-03-31 | 3.73% |
| 2013-12-31 | 3.93% |
| 2013-09-30 | 7.88% |
| 2013-06-30 | 4.51% |
| 2013-03-31 | 4.58% |
| 2012-12-31 | 4.80% |
| 2012-09-30 | 2.18% |
| 2012-06-30 | 3.24% |
| 2012-03-31 | 3.45% |
| 2011-12-31 | 6.61% |
| 2011-09-30 | 3.47% |
| 2011-06-30 | 3.56% |
| 2011-03-31 | 6.27% |
| 2010-12-31 | 6.76% |
| 2010-09-30 | 6.56% |
| 2010-06-30 | 6.52% |
| 2010-03-31 | 7.44% |
| 2009-12-31 | 7.61% |
| 2009-09-30 | 7.75% |
| 2009-06-30 | 7.91% |
| 2009-03-31 | 9.68% |
| 2008-12-31 | 9.95% |
| 2008-09-30 | 12.28% |
| 2008-06-30 | 13.99% |
| 2008-03-31 | 6.65% |
| 2007-12-31 | 14.40% |
| 2007-09-30 | 11.58% |
| 2007-06-30 | 11.70% |
| 2007-03-31 | 7.74% |
| 2006-12-31 | 8.52% |
| 2006-09-30 | 8.04% |
| 2006-06-30 | 9.39% |
| 2006-03-31 | 8.39% |
| 2005-12-31 | 14.16% |
| 2005-09-30 | 11.99% |
| 2005-06-30 | 13.54% |
| 2005-03-31 | 13.67% |
| 2004-12-31 | 15.71% |
| 2004-09-30 | 15.67% |
| 2004-06-30 | 15.76% |
| 2004-03-31 | 14.90% |
| 2003-12-31 | 13.92% |
| 2003-09-30 | 14.53% |
| 2003-06-30 | 13.20% |
| 2003-03-31 | 14.98% |
| 2002-12-31 | 15.90% |
| 2002-09-30 | 14.84% |
