Chemung Financial Q2 net loss $6.5M on $17.5M securities sale loss; non-GAAP EPS $1.31

CHEMUNG FINANCIAL CORP

2025-Q2 EPS reported -$0.09

Net loss of $6.5M ($1.35 per share) in Q2 2025 vs net income of $6.0M ($1.26) in Q1 2025.
Issued $45M subordinated notes and sold $245.5M securities for $227.3M proceeds, realizing $17.5M pre-tax loss.
Non-GAAP net income (excluding one-time items) was $6.3M, or $1.31 per share.
Net interest margin improved to 3.05% from 2.96% QoQ; dividend declared $0.32 per share.
Provision for credit losses $1.1M; annualized net charge-offs 0.19% of avg loans.

item 2.02item 9.01

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