{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-006779","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2026-10-22T20:15:14+00:00","discovered_at":"2026-10-22T20:16:00.127402+00:00","generated_at":"2026-10-22T20:16:17.625905+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Chemung Q3 net income $12.7M, EPS $2.63 vs $1.62; NII up 13.2%; dividend raised 5.9% to $0.36","bullets":["Net income $12.7M, or $2.63 per share, vs $8.8M ($1.82) in Q2 2026 and $7.8M ($1.62) in Q3 2025.","Net interest income $25.7M, up 13.2% YoY; NIM 3.74% vs 3.45%; pre-provision net revenue up 24.9% ($2.8M).","YTD annualized loan growth 7.7%, including 11.7% commercial; adjusted efficiency ratio improved 525 bps to 58.83%.","Provision was a $2.6M credit, including a $2.9M partial recovery on a C&I loan participation tied to a litigation settlement; net recoveries $2.6M.","Non-performing loans rose to $13.8M (0.57% of loans) from $7.9M (0.35%) at Dec. 31, 2025; non-performing assets $16.1M (0.56%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-006779","json":"https://secwatch.observer/filing/0001171843-26-006779.json","markdown":"https://secwatch.observer/filing/0001171843-26-006779.md","text":"https://secwatch.observer/filing/0001171843-26-006779.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184326006779/0001171843-26-006779-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184326006779/f8k_102226.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:16:17.625905+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}