Chemung Financial Q4 net income $7.7M ($1.61/shr); FY adjusted EPS $5.80, up 17%

CHEMUNG FINANCIAL CORP

2025-FY EPS reported $3.14

Q4 2025 net income $7.7M vs $7.8M in Q3 and $5.9M in Q4 2024; GAAP FY net income $15.1M.
Non-GAAP FY 2025 net income $27.9M, EPS $5.80, up 17.0% YoY; excludes $17.5M securities sale loss.
Net interest margin expanded 50 bps to 3.26% in FY 2025 vs 2.76% in 2024; Q4 NIM 3.61%.
Annual loan growth $198.1M (9.6%); commercial loans up $217.4M (14.3%).
Canal Bank division loans grew 66% to over $235M; Q4 dividend $0.34/shr declared.

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