Filing Flows › Financials › Chemung Financial (CHMG)
Chemung Financial (CHMG) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Chemung Financial (CHMG) Q3 2026 earnings results →
Q3 2026 Revenue up 11% year over year to $32.0M · 40¢ of every $1 of revenue kept as net profit · operating margin 51.6%
Chemung Financial made $32.0M in Q3 2026 (+11% Y/Y): Net interest income $25.7M, Noninterest income $6.3M. Operating margin 51.6%, net earnings $12.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $32.0M in Q3 2026, up 11% year over year and up 3% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $3.0M year over year (up 13%), 93% of the total change.
Operating profit was $16.5M, a 51.6% margin (up 16.6 points year over year). Of the extra revenue versus a year earlier, 201% reached operating profit, above the 35% margin then. Total costs fell 17% while revenue rose 11%. Net earnings were $12.7M, up 63% year over year. The effective tax rate was 23.0%.
Operating cash flow was $11.4M (down 7% year over year), 90% of net earnings. Non-cash charges added back $470K of depreciation and amortization. Working capital and other items used $1.8M. Capital expenditures of $665K left free cash flow of $10.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $32.0M | +11% | 51.6% | $12.7M | $11.4M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Chemung Financial
The Corporation was incorporated on January 2, 1985 under the laws of the State of New York and is headquartered in Elmira, New York. The Corporation was organized for the purpose of acquiring the Bank. The Bank was established in 1833 under the name Chemung Canal Bank, and was subsequently granted a New York State bank charter in 1895. In 1902, the Bank was reorganized as a New York State trust company under the name Elmira Trust Company, and its name was changed to Chemung Canal Trust Company in 1903. The Corporation became a financial holding company in June 2000. Financial holding company status provided the Corporation with the flexibility to offer an array of financial services, such as insurance products, mutual funds, and brokerage services, which provide additional sources of fee-based income and allows the Corporation to better serve its customers.
In its own words, from its 10-K, filed Mar 13, 2026.
Chemung Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +11% against the peers' median +11%. Operating margin: 51.6% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CHMG Chemung Financial | Q3 2026 | $32.0M | +11% | 51.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Chemung Financial 10-Q on SEC EDGAR · CIK 763563 · State Commercial Banks
Guidance and outlook
13F: who owns CHMG and who is buying
More on CHMG
History
Every quarter: Q3 2026 results