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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Chemung Financial
Chemung Financial (CMHG) investor relations material
Chemung Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 net income was $12.7M, or $2.63/share, versus $7.8M and $1.62/share YoY; higher net interest income and a $2.9M litigation recovery supported results.
9M net income was $30.7M, or $6.36/share; prior-year adjusted net income was $20.1M, or $4.19/share, excluding the securities-sale loss and branch-property gain.
Commercial lending growth and lower deposit costs supported earnings; national bank charter conversion was completed October 1.
Financial highlights
Q3 net interest income rose 13.2% YoY to $25.7M; adjusted pre-provision net revenue increased 24.9% YoY.
Q3 provision for credit losses was a $2.6M credit, including a $2.9M litigation-settlement recovery; non-interest expense rose 2.4% to $18.1M.
9M FTE net interest income was $74.1M; non-interest income was $19.1M and non-interest expense was $54.9M.
Total assets reached $2.851B, up 5.2% from year-end; loans increased 5.8% to $2.40B, and deposits rose 5.0% to $2.385B.
YTD annualized loan growth was 7.7%, including 11.7% commercial loan growth; deposits grew $114.6M, with no brokered deposits outstanding.
Outlook and guidance
Strategy emphasizes deposit growth in targeted verticals, scaling wealth management in Western New York, fee discipline and selective whole-bank or branch opportunities at appropriate pricing.
39% of loans and 47% of commercial loans reprice or mature within 90 days, supporting margin responsiveness.
Commercial real estate demand remained strong in the Capital Region and Western New York; lending priorities favored commercial lending over indirect auto.
Available cash, operating cash flow and borrowing capacity are expected to meet anticipated operating liquidity needs.
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Latest events from Chemung Financial
- Q2 2026 net income rose to $8.8M, driven by loan growth, margin expansion, and improved asset quality.CMHG
Q2 2026 - All proposals, including director elections and compensation, were approved by majority vote.CMHGAGM 2025
- All proposals passed, including director elections and auditor ratification for 2026.CMHGAGM 2026
- Votes on directors, executive pay, and auditor ratification set for June 2026 meeting.CMHGProxy filing
- Annual meeting to elect directors, approve executive pay, and ratify auditor, with focus on governance.CMHGProxy filing
- Record Q1 2026 net income of $9.2M and improved efficiency driven by loan growth and expansion.CMHGQ1 2026
- Robust loan growth, margin expansion, and capital strength drive continued strategic momentum.CMHGInvestor presentation
- Annual non-GAAP net income rose 17.8% to $27.9M, driven by strong loan growth and margin gains.CMHGQ4 2025
- All proposals passed; strong 2023 results, expansion, and dividends highlighted.CMHGAGM 2024
Next Chemung Financial earnings date
Q4 202625 Jan, 2027
Chemung Financial
Next Chemung Financial earnings date
Q4 202625 Jan, 2027
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Frequently asked questions
Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company, providing a range of financial services to individuals, businesses, and institutions. The company offers personal and commercial banking services, including checking and savings accounts, mortgages, loans, and credit services. It also provides wealth management and investment services, catering to clients seeking financial planning, investment advice, and trust services. Chemung Financial Corporation primarily serves customers across New York and Pennsylvania, with a focus on community banking and personalized service. The company is headquartered in Elmira, New York, and its shares are listed on the NASDAQ.