---
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"
generated_at: "2026-10-22T20:16:17.625905+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Chemung Q3 net income $12.7M, EPS $2.63 vs $1.62; NII up 13.2%; dividend raised 5.9% to $0.36

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-006779
- JSON: https://secwatch.observer/filing/0001171843-26-006779.json
- Plain text: https://secwatch.observer/filing/0001171843-26-006779.txt

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