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Chemung Financial vs Citizens Financial Services: CHMG and CZFS compared
Chemung Financial is the larger company: $32.0M of revenue in its latest quarter (Q3 2026) against $31.6M for Citizens Financial Services (Q3 2026). Chemung Financial is growing faster (+11% against +9% a year earlier). Chemung Financial is more profitable, with an operating margin of 51.6% against 46.1%.
Where the money goes: CHMG and CZFS
Chemung Financial (CHMG) · Q3 2026
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.
Citizens Financial Services (CZFS) · Q3 2026
Citizens Financial Services, Q3 2026: revenue $31.6M (+9% year over year), operating margin 46.1%, net earnings $11.9M, operating cash flow $5.3M. The chart follows the revenue to costs, profit and cash.
| Chemung Financial (CHMG) | Citizens Financial Services (CZFS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $32.0M | $31.6M |
| Revenue growth, Y/Y | +11% | +9% |
| Operating margin | 51.6% | 46.1% |
| Net earnings | $12.7M | $11.9M |
| Net margin | 39.7% | 37.8% |
| Operating cash flow | $11.4M | $5.3M |
| Free cash flow | $10.7M | $5.0M |
Where the revenue comes from
Chemung Financial
- Net interest income: $25.7M (80%)
- Noninterest income: $6.3M (20%)
Citizens Financial Services
- Net interest income: $27.3M (86%)
- Noninterest income: $4.3M (14%)
Questions
Which is bigger, Chemung Financial or Citizens Financial Services?
Chemung Financial is the larger company: $32.0M of revenue in its latest quarter (Q3 2026) against $31.6M for Citizens Financial Services (Q3 2026).
Is Chemung Financial or Citizens Financial Services growing faster?
Chemung Financial is growing faster (+11% against +9% a year earlier).
Which is more profitable, Chemung Financial or Citizens Financial Services?
Chemung Financial is more profitable, with an operating margin of 51.6% against 46.1%.
More: Chemung Financial earnings · how Chemung Financial makes money · Citizens Financial Services earnings · how Citizens Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.