---
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"
generated_at: "2026-05-18T06:05:10.513305+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-004538
- JSON: https://secwatch.observer/filing/0001171843-25-004538.json
- Plain text: https://secwatch.observer/filing/0001171843-25-004538.txt

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