---
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"
generated_at: "2026-05-27T08:47:25.938524+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Chemung Financial Q4 EPS $1.24, FY net income $23.7M; net interest margin expands 20bps QoQ

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000478
- JSON: https://secwatch.observer/filing/0001171843-25-000478.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000478.txt

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