secwatch.observer — SEC 8-K summary
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Issuer:     CHEMUNG FINANCIAL CORP (CHMG)
CIK:        0000763563
Form:       8-K
Filed at:   2026-01-26T23:59:59+00:00
Accession:  0001171843-26-000415
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/763563/000117184326000415/0001171843-26-000415-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/763563/000117184326000415/f8k_012626.htm
  HTML page:      https://secwatch.observer/filing/0001171843-26-000415

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