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Chemung Financial CHMG Q1 2026 earnings

Reported April 17, 2026 · Before market open

Revenue$29.9MBeat by $695.0K
EPS$1.91Beat by $0.28
Revenue estimate$29.2M
EPS estimate$1.63

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$31.7M
EPS estimate$1.91

Financials

Q1 2026

Income statement

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Revenue$29.9M+16.3%
Net income$9.2M+52.7%
EPS (diluted)$1.91+51.6%

Balance sheet

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Cash & equivalents$53.4M-0.1%
Total debt$204.5M+117%
Total equity$262.9M+15.2%
Total assets$2.7B-1.7%

Cash flow

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Operating cash flow$9.0M+25.9%
CapEx$133.0K-59.5%
Free cash flow$8.9M+30.0%

Valuation & ratios

Valuation

as of 03/31/26
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Market cap$259.33M+13.8%
Enterprise value$410.47M+52.8%
P/E14.2×+4.1×
P/S2.6×+0.3×

Profitability

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Net margin18.4%-4.4pp
FCF margin46.2%+20.8pp

Returns & leverage

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Return on equity7.4%-3.2pp
Debt / equity0.8×+0.4×

Segments

By product

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WMG fee income$3.1M+9.7%
Interchange revenue from debit card transactions$1.0M-2.2%
Overdraft fees$679.0K-7.1%
CFS fee and commission income$477.0K+114%
Other$372.0K-4.4%

FAQ

When did Chemung Financial report Q1 2026 earnings?
Chemung Financial (CHMG) reported Q1 2026 earnings on April 17, 2026 before market open.
What were Chemung Financial's Q1 2026 revenue and EPS?
Chemung Financial reported revenue of $29.9M and eps of $1.91 for Q1 2026.
Did Chemung Financial beat estimates in Q1 2026?
Revenue beat the consensus estimate of $29.2M by $695.0K. EPS beat the consensus estimate of $1.63 by $0.28.
How did Chemung Financial's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.6% from $25.4M a year earlier and eps grew 51.6% from $1.26.
Where can I find Chemung Financial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001171843-26-002529) and the 10-Q periodic report (0001628280-26-031834) directly on SEC EDGAR. The filing index links above go to sec.gov.