{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-000494","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.035874+00:00","generated_at":"2026-06-20T08:48:04.094527+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Chemung Financial reports record annual EPS of $6.13; Q4 net income $1.58/share","bullets":["Full-year net income $28.8M ($6.13 EPS) vs $26.4M ($5.64 EPS) YoY; Q4 net income $7.4M ($1.58 EPS) vs $6.5M ($1.38 EPS).","Net interest margin expanded to 3.05% for 2022 (from 2.84%) and 3.26% for Q4 (from 2.85% prior year).","Loans excl. PPP grew $353.6M or 23.97% YoY; non-performing loans improved to 0.45% of total loans from 0.54%.","Allowance for loan losses decreased to $19.7M after releasing $2.4M pandemic-related portion; no pandemic reserve remains.","Book value per share fell to $35.32 from $45.09 due to $68.7M decline in accumulated OCI from securities fair value drop."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-000494","json":"https://secwatch.observer/filing/0001171843-23-000494.json","markdown":"https://secwatch.observer/filing/0001171843-23-000494.md","text":"https://secwatch.observer/filing/0001171843-23-000494.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184323000494/0001171843-23-000494-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184323000494/f8k_012623.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:48:04.094527+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"a5cbdcdcb689e87159530818c546e277a0c768a7","claim":"CHEMUNG FINANCIAL CORP reported three and twelve month periods ended December 31, 2022 results: net income $28.8 million, EPS $6.13 per share.","evidence_excerpt":"On January 26, 2023, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and twelve month periods ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/763563/000117184323000494/0001171843-23-000494-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and twelve month periods ended December 31, 2022"},{"label":"Net income","value":"$28.8 million"},{"label":"EPS","value":"$6.13 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"adb5d0bb3110f490938164283ff816fab5fc597e","claim":"CHEMUNG FINANCIAL CORP reported fourth quarter of 2022 results: net income $7.4 million, EPS $1.58 per share.","evidence_excerpt":"Net income was $7.4 million, or $1.58 per share, for the fourth quarter of 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/763563/000117184323000494/0001171843-23-000494-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter of 2022"},{"label":"Net income","value":"$7.4 million"},{"label":"EPS","value":"$1.58 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}