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Chemung Financial CHMG Q2 2026 earnings

Reported July 22, 2026 · After market close

Revenue$31.2MBeat by $654.0K
EPS$1.82Beat by $0.05
Revenue estimate$30.5M
EPS estimate$1.77
“Compared to the same period last year, net interest income increased significantly, net interest margin expanded, funding costs declined, and commercial loan growth remained strong across key markets. Together, these results reflect the benefits of the strategic decisions made in 2025 and our continued focus on disciplined execution”
Anders M. Tomson

Next report

Oct 20, 2026 (In 1 week)
Revenue estimate$31.8M
EPS estimate$1.94

Financials

Q2 2026

Income statement

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Revenue$31.2M+209%
Net income$8.8M+237%
EPS (diluted)$1.82+235%

Balance sheet

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Cash & equivalents$73.1M-77.2%
Total debt$232.0M+42.2%
Total equity$270.4M+15.1%
Total assets$2.8B-1.1%

Cash flow

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Operating cash flow$9.2M-5.2%
CapEx$323.0K-10.3%
Free cash flow$8.9M-5.1%

Valuation & ratios

Valuation

as of 10/09/26
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Market cap$390.88M+57.0%
Enterprise value$549.73M+266%
P/E11.7×-7.1×
P/S3.3×+0.5×

Profitability

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Net margin27.9%+14.8pp
FCF margin37.7%+3.9pp

Returns & leverage

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Return on equity13.3%+8.1pp
Debt / equity0.9×+0.2×

Segments

By product

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WMG fee income$3.2M+6.6%
Interchange revenue from debit card transactions$1.1M-0.3%
Overdraft fees$674.0K-6.3%
CFS fee and commission income$394.0K+45.9%
Other$364.0K-7.8%

FAQ

When did Chemung Financial report Q2 2026 earnings?
Chemung Financial (CHMG) reported Q2 2026 earnings on July 22, 2026 after market close.
What were Chemung Financial's Q2 2026 revenue and EPS?
Chemung Financial reported revenue of $31.2M and eps of $1.82 for Q2 2026.
Did Chemung Financial beat estimates in Q2 2026?
Revenue beat the consensus estimate of $30.5M by $654.0K. EPS beat the consensus estimate of $1.77 by $0.05.
How did Chemung Financial's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 39.6% from $22.3M a year earlier and eps grew 38.9% from $1.31.
Where can I find Chemung Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001171843-26-004834) and the 10-Q periodic report (0001628280-26-054168) directly on SEC EDGAR. The filing index links above go to sec.gov.