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BlackRock, Inc. reports beneficial ownership of common stock of Chemung Financial Corp on a Schedule 13G. BlackRock and certain of its business units collectively beneficially own 254,371 shares, representing 5.3% of Chemung Financial’s outstanding common stock.
BlackRock reports sole voting power250,055 shares and sole dispositive power254,371 shares, with no shared voting or dispositive power. Various underlying clients have rights to dividends and sale proceeds, but no single client holds more than five percent of Chemung Financial’s total outstanding common shares.
Chemung Financial Corporation presented second quarter 2026 performance and strategic updates, reporting net income of $8.8 million and EPS of $1.82, with return on average assets of 1.27% and return on average equity of 13.19%. The fully taxable equivalent net interest margin was 3.67%, up 7 basis points from 3.60% in the prior quarter, as the yield on interest‑earning assets rose to 5.18% while the total cost of funds remained 1.67%.
Total loans were $2.367 billion as of June 30, 2026, with annualized year‑to‑date loan growth of 8.7% and commercial loan growth of 13.0%. Deposits totaled $2.364 billion, an increase of $93.3 million, or 4.1%, from December 31, 2025, including a 9.2% increase in non‑interest‑bearing deposits. Asset quality indicators stayed favorable, with non‑performing loans at 0.39% of total loans and the ACL‑to‑total loans ratio at 1.07%.
Management described the effects of a 2025 balance sheet restructuring, including $234.8 million of loan growth and a $65.4 million reduction in higher‑cost wholesale funding since June 30, 2025. Year‑to‑date 2026 net income was $18.0 million and EPS $3.73, with net interest margin at 3.63% and return on average equity at 13.71%. Wealth management fee income totaled $6.3 million year to date, an increase of $0.5 million, or 8.1%, over the same period in the prior year. Total liquidity sources were 744,424 (dollars in thousands), and uninsured deposits were 31.5% of total deposits, including collateralized public funds.
Chemung Financial Corporation reported second-quarter 2026 net income of $8.8 million, or $1.82 per share, compared with net income of $9.2 million ($1.91 per share) in the prior quarter and a net loss of $6.5 million ($1.35 per share) in the second quarter of 2025. Net interest income rose to $24.7 million, up 18.8% year over year, and fully taxable equivalent net interest margin expanded to 3.67%. Provision for credit losses was $0.6 million.
Total assets reached $2.82 billion with loans of $2.37 billion and deposits of $2.36 billion, producing a loans-to-deposits ratio of 100.14%. Asset quality metrics included non-performing loans of $9.2 million, or 0.39% of total loans, and an allowance covering 275.46% of non-performing loans. Book value per share increased to $55.88 and tangible book value per share to $51.37, while the equity-to-assets ratio was 9.59%. The OCC conditionally approved conversion of the bank’s New York state charter to a national bank charter, which management expects to complete before the end of 2026.
Chemung Canal Trust Company reports beneficial ownership of 305,090 shares of Chemung Financial Corp common stock, representing 6.33% of the class based on 4,820,278 shares outstanding as of June 30, 2026; this is a baseline figure, not the amount being offered. It has shared voting power over 305,090 shares and shared dispositive power over 253,565 shares, with no sole voting or dispositive authority. Of the reported holdings, 97,829 shares, or 2.03% of the outstanding stock, are held in trust under a tax-qualified retirement plan sponsored by Chemung Canal Trust for its employees, and various co-executors, co-trustees, and beneficiaries may have rights to dividends and sale proceeds.
CHEMUNG FINANCIAL CORP executive Dale M. McKim III, EVP, CFO & Treasurer, reported a routine tax-related share disposition. On July 3, 2026, 187 shares of common stock were withheld at $74.50 per share to cover tax obligations by delivering securities.
After this tax-withholding disposition, McKim directly holds 6,746 shares of Chemung Financial common stock. This type F transaction reflects payment of tax liability using shares rather than an open-market sale, and does not represent an active buy or sell decision.
Chemung Financial Corp executive Vincent M. Cutrona reported a small tax-related share disposition. On this Form 4, he had 98 shares of common stock withheld at a price of $74.40 per share to cover a tax liability. After this non-market, tax-withholding disposition, he directly holds 3,509 shares of common stock.
Chemung Financial Corporation reported the results of its Annual Meeting of Shareholders held on June 2, 2026. Shareholders elected directors Richard E. Forrestel Jr., Stephen M. Lounsberry III, Anders M. Tomson, and G. Thomas Tranter Jr. to three-year terms.
Investors also approved the Corporation’s Say-on-Pay advisory vote on named executive officer compensation and ratified the appointment of Crowe LLP as independent registered public accounting firm for the year ending December 31, 2026.
Chemung Financial Corporation announced that its board has approved a quarterly cash dividend of $0.34 per share. The dividend will be paid on July 1, 2026 to common stock shareholders of record as of the close of business on June 17, 2026.
The company describes itself as a $2.7 billion financial services holding company headquartered in Elmira, New York, operating 30 offices through its principal subsidiary, Chemung Canal Trust Company, a full-service community bank with full trust powers.
Chemung Financial Corporation furnished an investor presentation highlighting record first quarter 2026 results and its strategic balance sheet repositioning. For Q1 2026, the bank reported net income of $9.2 million and earnings per share of $1.91, with returns of 1.36% on average assets and 14.25% on average equity. The fully taxable equivalent net interest margin reached 3.60%, aided by prior securities sales and funding changes.
Management detailed a 2025 balance sheet restructuring that sold about $245 million of low-yield available-for-sale securities at a roughly $17 million pre-tax loss, used to reduce higher-cost wholesale funding and support loan growth. Since June 30, 2025, wholesale funding fell by $79.3 million while loans increased by $179.3 million. Chemung also raised $45 million of subordinated debt, downstreaming $37.0 million as Tier 1 capital, supporting capital ratios including a 15.44% total risk-based capital ratio and an 8.84% tangible common equity ratio as of March 31, 2026.
Chemung Financial Corporation reported solid results for the three months ended March 31, 2026, with net income of $9.2 million, up from $6.0 million a year earlier. Earnings per share rose to $1.91 from $1.26 as both lending and fee businesses contributed.
Net interest income increased to $23.6 million while the provision for credit losses fell to $0.6 million, reflecting relatively stable credit quality. Total loans grew to $2.31 billion and deposits to $2.31 billion, supporting balance sheet expansion. Comprehensive income was $9.5 million, as modest securities valuation gains partially offset earlier unrealized losses.
Total assets reached $2.75 billion. The allowance for credit losses stood at $24.9 million, and nonaccrual loans were $7.6 million, indicating manageable problem credits. Shareholders’ equity increased to $262.9 million, helped by retained earnings and slight improvement in accumulated other comprehensive loss.