---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-23-006378"
form_type: "8-K"
ticker: "CHMG"
cik: "0000763563"
company_name: "CHEMUNG FINANCIAL CORP"
filed_at: "2023-10-25T23:59:59+00:00"
generated_at: "2026-06-09T12:23:29.598582+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Chemung Financial Q3 net income $7.6M, EPS $1.61, up from $1.37 YoY

## Summary
- Net income $7.6M ($1.61 per share) vs $6.5M ($1.37) in Q3 2022.
- Net interest income $18.0M, down 5.3% YoY; net interest margin 2.73% vs 3.08%.
- Non-interest income $7.8M, up 56% YoY, boosted by $2.4M employee retention tax credit.
- Total deposits $2.473B, up 3.5% from prior quarter-end; non-performing loans 0.35% of total loans.
- Dividends declared $0.31 per share.

## SEC filing metadata
- accession: 0001171843-23-006378
- form_type: 8-K
- ticker: CHMG
- cik: 0000763563
- company_name: CHEMUNG FINANCIAL CORP
- filed_at: 2023-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/763563/000117184323006378/0001171843-23-006378-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763563/000117184323006378/f8k_102523.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-23-006378
- JSON: https://secwatch.observer/filing/0001171843-23-006378.json
- Plain text: https://secwatch.observer/filing/0001171843-23-006378.txt

## Key facts
- Earnings Releases
  CHEMUNG FINANCIAL CORP reported third quarter of 2023 results: net income $7.6 million, EPS $1.61 per share.
  - Period: third quarter of 2023
  - Net income: $7.6 million
  - EPS: $1.61 per share
  - Result: reported results
  source text: Chemung Financial Corporation Reports Third Quarter 2023 Net Income of $7.6 million, or $1.61 per Share
  evidence_url: https://www.sec.gov/Archives/edgar/data/763563/000117184323006378/0001171843-23-006378-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.