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Chemung Financial vs Norwood Financial: CHMG and NWFL compared
Chemung Financial is the larger company: $32.0M of revenue in its latest quarter (Q3 2026) against $30.9M for Norwood Financial (Q3 2026). Norwood Financial is growing faster (+35% against +11% a year earlier). Chemung Financial is more profitable, with an operating margin of 51.6% against 49.4%.
Where the money goes: CHMG and NWFL
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.
Norwood Financial (NWFL) · Q3 2026
Norwood Financial, Q3 2026: revenue $30.9M (+35% year over year), operating margin 49.4%, net earnings $11.8M, operating cash flow $18.5M. The chart follows the revenue to costs, profit and cash.
| Chemung Financial (CHMG) | Norwood Financial (NWFL) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $32.0M | $30.9M |
| Revenue growth, Y/Y | +11% | +35% |
| Operating margin | 51.6% | 49.4% |
| Net earnings | $12.7M | $11.8M |
| Net margin | 39.7% | 38.0% |
| Operating cash flow | $11.4M | $18.5M |
| Free cash flow | $10.7M | $18.2M |
Where the revenue comes from
Chemung Financial
- Net interest income: $25.7M (80%)
- Noninterest income: $6.3M (20%)
Questions
Which is bigger, Chemung Financial or Norwood Financial?
Chemung Financial is the larger company: $32.0M of revenue in its latest quarter (Q3 2026) against $30.9M for Norwood Financial (Q3 2026).
Is Chemung Financial or Norwood Financial growing faster?
Norwood Financial is growing faster (+35% against +11% a year earlier).
Which is more profitable, Chemung Financial or Norwood Financial?
Chemung Financial is more profitable, with an operating margin of 51.6% against 49.4%.
More: Chemung Financial earnings · how Chemung Financial makes money · Norwood Financial earnings · how Norwood Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.