{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-002319","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2025-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.197800+00:00","generated_at":"2026-05-23T11:19:26.239541+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 Q1 net income $6.0M ($1.26/sh) down 16% YoY; dividend increased 3.2%","bullets":["Net income $6.0M ($1.26 EPS) vs $7.1M ($1.48) Q1 2024 and $5.9M ($1.24) Q4 2024.","Net interest margin expanded 4 bps to 2.96% from prior quarter; total cost of funds dropped 12 bps to 1.92%.","Annualized loan growth 5.1%, commercial loans up 10.5% annualized; Canal Bank division loans up 14.9% from year-end.","Dividend increased 3.2% to $0.32 per share, payable in Q2 2025.","Provision for credit losses rose to $1.1M from $0.6M prior quarter; NPLs increased to $9.9M (0.47% of loans)."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-002319","json":"https://secwatch.observer/filing/0001171843-25-002319.json","markdown":"https://secwatch.observer/filing/0001171843-25-002319.md","text":"https://secwatch.observer/filing/0001171843-25-002319.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184325002319/0001171843-25-002319-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184325002319/f8k_041825.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T11:19:26.239541+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"}