---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-24-005746"
form_type: "8-K"
ticker: "CHMG"
cik: "0000763563"
company_name: "CHEMUNG FINANCIAL CORP"
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T12:03:31.947952+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Chemung Financial Q3 net income $5.7M, EPS $1.19; QoQ up 14%, YoY down 25%

## Summary
- Net interest income $18.4M, NIM (FTE) 2.72% vs 2.66% Q2 2024; loan yield up 11 bps QoQ.
- Non-performing loans $10.5M, 0.52% of total loans; allowance for credit losses 203% of NPLs.
- Opened full-service branch in Williamsville, NY on Oct 11 under Canal Bank division.
- Tangible equity to tangible assets improved to 7.22% from 6.45% at Dec 31, 2023.
- Book value per share $46.22, up from $41.07 at year-end 2023.

## SEC filing metadata
- accession: 0001171843-24-005746
- form_type: 8-K
- ticker: CHMG
- cik: 0000763563
- company_name: CHEMUNG FINANCIAL CORP
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/763563/000117184324005746/0001171843-24-005746-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763563/000117184324005746/f8k_102224.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-005746
- JSON: https://secwatch.observer/filing/0001171843-24-005746.json
- Plain text: https://secwatch.observer/filing/0001171843-24-005746.txt

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