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PCB Bancorp vs Chemung Financial: PCB and CHMG compared
PCB Bancorp is the larger company: $32.4M of revenue in its latest quarter (Q3 2026) against $32.0M for Chemung Financial (Q3 2026). Chemung Financial is growing faster (+11% against +7% a year earlier). PCB Bancorp is more profitable, with an operating margin of 52.6% against 51.6%.
Where the money goes: PCB and CHMG
PCB Bancorp (PCB) · Q3 2026
PCB Bancorp, Q3 2026: revenue $32.4M (+7% year over year), operating margin 52.6%, net earnings $12.2M, operating cash flow $15.4M. The chart follows the revenue to costs, profit and cash.
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.
| PCB Bancorp (PCB) | Chemung Financial (CHMG) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $32.4M | $32.0M |
| Revenue growth, Y/Y | +7% | +11% |
| Operating margin | 52.6% | 51.6% |
| Net earnings | $12.2M | $12.7M |
| Net margin | 37.7% | 39.7% |
| Operating cash flow | $15.4M | $11.4M |
| Free cash flow | $15.2M | $10.7M |
Where the revenue comes from
Chemung Financial
- Net interest income: $25.7M (80%)
- Noninterest income: $6.3M (20%)
Questions
Which is bigger, PCB Bancorp or Chemung Financial?
PCB Bancorp is the larger company: $32.4M of revenue in its latest quarter (Q3 2026) against $32.0M for Chemung Financial (Q3 2026).
Is PCB Bancorp or Chemung Financial growing faster?
Chemung Financial is growing faster (+11% against +7% a year earlier).
Which is more profitable, PCB Bancorp or Chemung Financial?
PCB Bancorp is more profitable, with an operating margin of 52.6% against 51.6%.
More: PCB Bancorp earnings · how PCB Bancorp makes money · Chemung Financial earnings · how Chemung Financial 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.