CHEMUNG FINANCIAL (CHMG) EVP reports 119-share tax-withholding disposition

Rhea-AI Filing Summary

CHEMUNG FINANCIAL CORP Executive Vice President and Chief Credit Officer Peter K. Cosgrove reported a small share disposition related to tax withholding. On February 27, 2026, 119 shares of common stock were withheld at $55.52 per share, leaving him with 7,200 directly owned shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Cosgrove Peter K

Role Executive Vice President & CCO

Type	Security	Shares	Price	Value
Tax Withholding	COMMON STOCK	119	$55.52	$7K

Holdings After Transaction: COMMON STOCK — 7,200 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 03/02/2026 - 03:11 PM Learn about SEC filing dates

FAQ

What insider transaction did CHEMUNG FINANCIAL CORP (CHMG) report for Peter K. Cosgrove?

CHEMUNG FINANCIAL CORP reported that Executive Vice President and CCO Peter K. Cosgrove had 119 common shares disposed of for tax withholding. The shares were valued at $55.52 each, reflecting a routine, non-open-market transaction linked to satisfying tax obligations.

Was the CHMG insider transaction by Peter K. Cosgrove an open market sale?

No, the CHMG insider transaction was not an open market sale. It was a Form 4 code F transaction, meaning 119 shares were withheld to cover exercise price or tax liability, rather than shares being sold at the insider’s discretion in the open market.

How many CHEMUNG FINANCIAL CORP (CHMG) shares does Peter K. Cosgrove hold after the transaction?

After the tax-withholding disposition, Peter K. Cosgrove directly holds 7,200 CHMG common shares. This figure reflects his remaining ownership following the 119-share withholding on February 27, 2026, as reported in the insider ownership section of the filing.

What does transaction code F mean in the CHMG insider filing for Peter K. Cosgrove?

Transaction code F indicates a tax-related disposition, where shares are delivered to pay exercise price or tax liability. For CHMG, 119 common shares were used this way at $55.52 per share, rather than being voluntarily sold into the market by the executive.

What role does Peter K. Cosgrove hold at CHEMUNG FINANCIAL CORP (CHMG)?

Peter K. Cosgrove serves as Executive Vice President and Chief Credit Officer at CHEMUNG FINANCIAL CORP. His reported insider transaction involves a tax-withholding disposition of 119 common shares, a routine administrative step tied to equity compensation or related tax obligations.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cosgrove Peter K

(Last) (First) (Middle)

ONE CHEMUNG CANAL PLAZA

PO BOX 1522

(Street)

ELMIRA NY 14901

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CHEMUNG FINANCIAL CORP [ CHMG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President & CCO

3. Date of Earliest Transaction (Month/Day/Year)
02/27/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
COMMON STOCK	02/27/2026		F		119	D	$55.52	7,200	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	Kathleen E. Cook, Attorney-in-Fact, pursuant to Power of Attorney dated July 16, 2025	03/02/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.