Filing Flows › Chemung Financial (CHMG) › Q3 2026 › vs Q3 2025
Chemung Financial (CHMG) Q3 2026 vs Q3 2025 (year over year)
Chemung Financial's revenue rose $3.2M (+11%) from $28.8M in Q3 2025 to $32.0M in Q3 2026. The biggest changes: Net interest income +$3.0M (+13%); Noninterest income +$219K (+4%). Operating margin 51.6% against 35.0% (+16.6 pts).
Chemung Financial, Q3 2026: revenue $32.0M (+11% year over year), operating margin 51.6%, net earnings $12.7M, operating cash flow $11.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 51.6% | 35.0% | +16.6 pts |
| Net margin | 39.7% | 27.1% | +12.7 pts |
| Free cash flow margin | 33.6% | 41.1% | -7.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $25.7M | $22.7M | $3.0M | +13% |
| Noninterest income | $6.3M | $6.1M | $219K | +4% |
| Revenue | $32.0M | $28.8M | $3.2M | +11% |
| Operating profit | $16.5M | $10.1M | $6.4M | +64% |
| Costs & expenses | $15.5M | $18.7M | −$3.2M | -17% |
| Pre-tax earnings | $16.5M | $10.1M | $6.4M | +64% |
| Net earnings | $12.7M | $7.8M | $4.9M | +63% |
| Income tax | $3.8M | $2.3M | $1.5M | +67% |
| Depreciation & amortization | $470K | $461K | $9K | +2% |
| Working capital & other | $1.8M | −$4.0M | $5.8M | — |
| Operating cash flow | $11.4M | $12.2M | −$828K | -7% |
| Free cash flow (OCF − capex) | $10.7M | $11.8M | −$1.1M | -9% |
| Capital expenditures | $665K | $400K | $265K | +66% |
Questions
How much did Chemung Financial's revenue grow year over year in Q3 2026?
Chemung Financial's revenue rose $3.2M (+11%) from $28.8M in Q3 2025 to $32.0M in Q3 2026.
What drove Chemung Financial's revenue change in Q3 2026?
Net interest income +$3.0M (+13%); Noninterest income +$219K (+4%).