Chemung Financial posts record Q1 net income of $9.2M ($1.91 EPS), up 53% YoY

CHEMUNG FINANCIAL CORP

2026-Q1 EPS reported $1.91

Net income $9.2M, EPS $1.91 vs $1.26 in Q1 2025; revenue (NII) $23.6M, up 19.2% YoY.
Net interest margin expanded to 3.60% from 2.96% YoY; total cost of funds fell 25bps to 1.67%.
Annualized loan growth 7.5%; Canal Bank division loans grew ~15%; Capital Bank >7% annualized.
Dividend declared $0.34 per share; opened a Buffalo, NY representative office in March.
Non-performing loans declined to 0.33% of loans; net recoveries of 0.02% vs net charge-offs 0.05% YoY.

item 2.02 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

CHEMUNG FINANCIAL CORP reported first quarter of 2026 results: net income $9.2 million, EPS $1.91 per share.

Period: first quarter of 2026
Net income: $9.2 million
EPS: $1.91 per share
Result: reported results

Exact text from the filing

Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the “Bank”), today reported net income of $9.2 million, or $1.91 per share, for the first quarter of 2026, compared to net income of $7.7 million, or $1.61 per share, for the fourth quarter of 2025, and net income of $6.0 million, or $1.26 per share, for the first quarter of 2025.

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Source: SEC EDGAR

accession 0001171843-26-002529

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