---
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"
generated_at: "2026-05-16T08:14:02.394320+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-000415
- JSON: https://secwatch.observer/filing/0001171843-26-000415.json
- Plain text: https://secwatch.observer/filing/0001171843-26-000415.txt

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