Chemung Financial Q3 net income $7.8M ($1.62/sh); dividend raised to $0.34

CHEMUNG FINANCIAL CORP

2025-Q3 EPS reported $1.53

Net income of $7.8M ($1.62 EPS) vs Q2 net loss of $6.5M (-$1.35) and Q3 2024 net income $5.7M ($1.19).
Net interest margin improved 40 bps to 3.45%; net interest income rose 9.1% to $22.7M.
Annualized YTD loan growth 8.4%; commercial loan growth 13.6% annualized.
Quarterly dividend increased $0.02 to $0.34 per share, a 6.3% sequential increase.
Non-performing loans fell to $7.8M (0.35% of loans) from $9.0M at Dec 2024.

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