{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-000415","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.657350+00:00","generated_at":"2026-05-16T08:14:02.394320+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Chemung Financial Q4 net income $7.7M ($1.61/shr); FY adjusted EPS $5.80, up 17%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-000415","json":"https://secwatch.observer/filing/0001171843-26-000415.json","markdown":"https://secwatch.observer/filing/0001171843-26-000415.md","text":"https://secwatch.observer/filing/0001171843-26-000415.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184326000415/0001171843-26-000415-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184326000415/f8k_012626.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:14:02.394320+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"}