---
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"
generated_at: "2026-05-15T05:39:13.791817+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/763563/000117184326002529/0001171843-26-002529-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763563/000117184326002529/f8k_041726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-002529
- JSON: https://secwatch.observer/filing/0001171843-26-002529.json
- Plain text: https://secwatch.observer/filing/0001171843-26-002529.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/763563/000117184326002529/0001171843-26-002529-index.htm

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