Filing Flows › Chemung Financial (CHMG) › Q3 2026
Chemung Financial (CHMG) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Chemung Financial (CHMG) reported revenue of $32.0M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +3% from the quarter before. Operating margin was 51.6%, net earnings $12.7M (39.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $32.0M | +3% | +11% |
| Operating profit | $16.5M | +46% | +64% |
| Net earnings | $12.7M | +44% | +63% |
| Operating cash flow | $11.4M | +24% | -7% |
| Free cash flow | $10.7M | +21% | -9% |
What changed
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.
Questions
What was Chemung Financial's revenue in the third quarter 2026?
Chemung Financial (CHMG) reported revenue of $32.0M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +3% from the quarter before.
Was Chemung Financial profitable in the third quarter 2026?
Operating profit was $16.5M (51.6% of revenue) and net earnings $12.7M.
Source: Chemung Financial 10-Q on SEC EDGAR.