{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-000478","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.294267+00:00","generated_at":"2026-05-27T08:47:25.938524+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Chemung Financial Q4 EPS $1.24, FY net income $23.7M; net interest margin expands 20bps QoQ","bullets":["Annual net income $23.7M ($4.96 EPS) vs $25.0M ($5.28) prior year; net interest margin 2.76% vs 2.85%.","Q4 net income $5.9M ($1.24 EPS) vs $5.7M ($1.19) Q3 and $3.8M ($0.80) Q4 2023.","Net interest margin Q4 2.92% (+20bps QoQ); loan growth 5% annual; commercial loans up 13.3%.","Non-performing loans 0.43% of total loans, down 10bps YoY; allowance for credit losses $21.4M.","Q4 dividend $0.31 per share; wealth management fee income up $1.1M for the year."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-000478","json":"https://secwatch.observer/filing/0001171843-25-000478.json","markdown":"https://secwatch.observer/filing/0001171843-25-000478.md","text":"https://secwatch.observer/filing/0001171843-25-000478.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184325000478/0001171843-25-000478-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184325000478/f8k_012825.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:47:25.938524+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}