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Did Chemung Financial Beat Earnings?
Chemung Financial (CHMG) reported Q2 '26 revenue of $18M, down 18.0% year-over-year, with reported EPS of $1.82. That topped the $1.70 analyst estimate by 7.1% — an earnings beat.
AltIndex tracks earnings alongside 25+ alternative data signals that can move ahead of the report — Chemung Financial’s job postings, web traffic, and employee business outlook. See the full CHMG stock analysis or the earnings calendar for upcoming reports.
CHMG Earnings Surprise History (EPS vs. Estimate)
| Quarter | Estimated EPS | Reported EPS | Surprise |
|---|---|---|---|
| Q2 '26 | $1.70 | $1.82 | Beat +7.1% |
| Q1 '26 | $1.63 | $1.91 | Beat +17.2% |
| Q4 '25 | $1.62 | $1.61 | Missed -0.6% |
| Q3 '25 | $1.61 | $1.62 | Beat +0.6% |
| Q2 '25 | $1.33 | $1.31 | Missed -1.5% |
| Q1 '25 | $1.20 | $1.26 | Beat +5.0% |
Chemung Financial Quarterly Financial Trends
| Metric | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 38M | 38M | 37M | 22M | 40M | 41M | 40M | 18M |
| Gross margin | 61.7% | 65.2% | 65.2% | 39.3% | 69.1% | 71.9% | 73.4% | 41.3% |
| Operating margin | 19.1% | 19.6% | 20.6% | -40.0% | 25.4% | 26.9% | 29.7% | -65.5% |
| Net income | 5.7M | 5.9M | 6M | -6.5M | 7.8M | 7.7M | 9.2M | 8.8M |
| Net margin | 15.1% | 15.4% | 16.1% | -29.3% | 19.6% | 18.9% | 23.1% | 48.8% |
| EPS | $1.19 | $1.24 | $1.26 | $1.31 | $1.62 | $1.61 | $1.91 | $1.82 |
Chemung Financial Earnings Trend Analysis
Over the eight quarters from Q3 '24 to Q2 '26, Chemung Financial’s quarterly revenue moved from $38M to $18M. Net margin expanded from 15.1% to 48.8%, against a 41.3% gross margin in the most recent quarter — a read on whether revenue growth is translating into profit. Chemung Financial has beaten Wall Street EPS estimates in 6 of its last 8 reported quarters.
When Is Chemung Financial’s Next Earnings Date?
Chemung Financial reports earnings on a quarterly schedule. Its most recent report covered Q2 '26. For the confirmed upcoming date — and every other company reporting soon — see the CHMG earnings calendar.
Frequently Asked Questions: Chemung Financial Earnings
Chemung Financial's next earnings date has not been confirmed yet. See the earnings calendar for all upcoming reports.
Chemung Financial reported Q2 '26 EPS of $1.82 on revenue of $18M (-18.0% YoY). Chemung Financial beat estimates, reporting $1.82 vs. the $1.70 estimate.
Chemung Financial reported Q2 '26 revenue of $18M, down 18.0% from the same quarter a year earlier.
Signals like job postings, web traffic, and employee sentiment reflect business activity in real time and can move before quarterly results are reported. AltIndex combines them with 25+ others in the CHMG AI Score.
