{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-004538","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.298677+00:00","generated_at":"2026-05-18T06:05:10.513305+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Chemung Financial Q2 net loss $6.5M on $17.5M securities sale loss; non-GAAP EPS $1.31","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-004538","json":"https://secwatch.observer/filing/0001171843-25-004538.json","markdown":"https://secwatch.observer/filing/0001171843-25-004538.md","text":"https://secwatch.observer/filing/0001171843-25-004538.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184325004538/0001171843-25-004538-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184325004538/f8k_071725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:05:10.513305+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"}