{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-002529","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2026-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.707283+00:00","generated_at":"2026-05-15T05:39:13.791817+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 posts record Q1 net income of $9.2M ($1.91 EPS), up 53% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-002529","json":"https://secwatch.observer/filing/0001171843-26-002529.json","markdown":"https://secwatch.observer/filing/0001171843-26-002529.md","text":"https://secwatch.observer/filing/0001171843-26-002529.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184326002529/0001171843-26-002529-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184326002529/f8k_041726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:39:13.791817+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":[{"claim_id":"4bc188ffb737c2a6cd3cb3b161eccb10f8310104","claim":"CHEMUNG FINANCIAL CORP reported first quarter of 2026 results: net income $9.2 million, EPS $1.91 per share.","evidence_excerpt":"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.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/763563/000117184326002529/0001171843-26-002529-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2026"},{"label":"Net income","value":"$9.2 million"},{"label":"EPS","value":"$1.91 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}