---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-006565"
form_type: "8-K"
ticker: "CHMG"
cik: "0000763563"
company_name: "CHEMUNG FINANCIAL CORP"
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:08:54.035002+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001171843-25-006565
- form_type: 8-K
- ticker: CHMG
- cik: 0000763563
- company_name: CHEMUNG FINANCIAL CORP
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/763563/000117184325006565/0001171843-25-006565-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763563/000117184325006565/f8k_102125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-006565
- JSON: https://secwatch.observer/filing/0001171843-25-006565.json
- Plain text: https://secwatch.observer/filing/0001171843-25-006565.txt

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