Chemung's net interest income has compounded from $17.8M in 2024Q2 to $25.7M in 2026Q3, with 13.2% year-over-year growth in the latest quarter, suggesting the core lending franchise is gaining traction.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 22, 2026 | $2.63+34.2% vs $1.96 | $32M+0.3% vs $32M |
Q3 2026 Jul 22, 2026 | $1.82+2.8% vs $1.77 | $31M+2.1% vs $31M |
Q2 2026 Apr 17, 2026 | $1.91+17.2% vs $1.63 | $30M+2.4% vs $29M |
Q1 2026 Jan 26, 2026 | $1.61+0.6% vs $1.60 | $31M+3.5% vs $29M |
Chemung Financial Corporation is rated BUY, justified by above-sector EPS and ROE growth and strong 3Q26 results. CHMG's expansion in Western New York leverages semiconductor supply chain growth, supporting future commercial loan and deposit growth. Loan growth (+9% YoY) outpaces deposits (+1% YoY), pushing the loan-to-deposit ratio to 101%, potentially constraining future lending.
The headline numbers for Chemung Financial (CHMG) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Chemung Financial (CHMG) came out with quarterly earnings of $2.63 per share, beating the Zacks Consensus Estimate of $1.93 per share. This compares to earnings of $1.62 per share a year ago.
ELMIRA, N.Y., Oct. 22, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company, National Association (the “Bank”), today reported net income of $12.7 million, or $2.63 per share, for the third quarter of 2026, compared to net income of $8.8 million, or $1.82 per share, for the second quarter of 2026, and net income of $7.8 million, or $1.62 per share, for the third quarter of 2025.
Benchmark CHMG against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Chemung Financial Corporation (CHMG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $84.75 | $408.48M | 10.66 | -1.92% | 38.37% | 14.49% | 1.55% | |
| $23.38 | $225.48M | 16.12 | -9.39% | 28.36% | 7.64% | 1.59% | |
| $45.92 | $296.36M | 11.74 | 8.34% | 26.97% | 12.11% | 2% | |
| $16.71 | $103.26M | 811.17 | 1.55% | 0.22% | 0.08% | 2.32% | |
| $105.12 | $342.1M | 11.29 | 13.86% | 20.31% | 11.26% | 1.75% | |
| $38.47 | $635.87M | 16.08 | 18.45% | 28.51% | 9.63% | 2.97% |
Chemung Financial Corporation (CHMG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Chemung Financial Corporation (CHMG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 22, 2026·SEC
Aug 19, 2026·SEC
Jul 27, 2026·SEC
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Chemung Financial Corporation (CHMG) stock FAQ — growth, dividends, profitability & financials explained
Chemung Financial Corporation (CHMG) grew revenue by 12.3% over the trailing twelve months, compared with the twelve months before.
Yes. Chemung Financial Corporation (CHMG) earned $38.5M in net income over the trailing twelve months (a 38.4% net margin).
Yes. Chemung Financial Corporation (CHMG) pays a dividend that yields 1.55% at the current price, a moderate yield.
Chemung Financial Corporation (CHMG) had a return on equity (ROE) of 14.5% over the trailing twelve months. That is in line with the market's typical 10-15%.
Chemung Financial Corporation (CHMG) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Chemung Financial Corporation (CHMG) has an efficiency ratio of 74.1%. This is higher than peers, suggesting room for cost optimization.
