Filing Flows › Chemung Financial (CHMG) › How it makes money
How Chemung Financial (CHMG) makes money
Chemung Financial (CHMG) made $32.0M of revenue in the third quarter 2026 (Q3 2026), +11% from a year earlier. Net interest income brought in $25.7M (80%); Noninterest income brought in $6.3M (20%). Of every dollar of revenue, 52¢ was left as operating profit, 40¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $25.7M | 80.3% | +4% | +13% |
| Noninterest income | $6.3M | 19.7% | -3% | +4% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $32.0M | 100.0% |
| Operating profit | $16.5M | 51.6% |
| Income tax | $3.8M | 11.9% |
| Net earnings | $12.7M | 39.7% |
| Operating cash flow | $11.4M | 35.7% |
| Free cash flow | $10.7M | 33.6% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $32.0M | +11% |
From Chemung Financial's 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does Chemung Financial make money?
Chemung Financial (CHMG) made $32.0M of revenue in the third quarter 2026 (Q3 2026), +11% from a year earlier. Net interest income brought in $25.7M (80%); Noninterest income brought in $6.3M (20%). Of every dollar of revenue, 52¢ was left as operating profit, 40¢ was left as net earnings.
What is Chemung Financial's biggest business?
Net interest income: $25.7M in the third quarter 2026, 80% of revenue, +13% from a year earlier.
What is Chemung Financial's profit margin?
Net earnings were $12.7M, 39.7% of revenue, in the third quarter 2026; the operating margin was 51.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.