---
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"
generated_at: "2026-05-23T11:19:26.239541+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Chemung Financial Q1 net income $6.0M ($1.26/sh) down 16% YoY; dividend increased 3.2%

## Summary
- 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).

## SEC filing metadata
- 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
- 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/763563/000117184325002319/0001171843-25-002319-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763563/000117184325002319/f8k_041825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-002319
- JSON: https://secwatch.observer/filing/0001171843-25-002319.json
- Plain text: https://secwatch.observer/filing/0001171843-25-002319.txt

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