Chemung Financial Corp (CHMG) officer reports Form 4 stock transactions

Rhea-AI Filing Summary

Chemung Financial Corp’s executive vice president and chief information officer reported small dispositions of company stock in mid-December 2025. On 12/15/2025 and 12/16/2025, the officer disposed of 115 and 73 shares of common stock, respectively, in transactions coded “F,” at prices of $59.30 and $59.57 per share.

After these transactions, the officer beneficially owned 5,627 shares directly, 105 shares held indirectly by a spouse, and 9,426.075 shares held indirectly through a qualified plan. A footnote states that the qualified plan holdings include dividends issued periodically under the company’s dividend reinvestment plan.

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
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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^*

COLE LOREN D

(Last) (First) (Middle)

ONE CHEMUNG CANAL PLAZA

PO BOX 1522

(Street)

ELMIRA NY 14902-1522

(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)
	EVP & CIO

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

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	12/15/2025		F		115	D	$59.3	5,627	D
COMMON STOCK	12/16/2025		F		73	D	$59.57	5,554	D
COMMON STOCK								105	I	By Spouse
COMMON STOCK								9,426.075(1)	I	By Qualified Plan

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:

1. Includes dividends issued periodically under the Issuer's Dividend Reinvestment Plan.

Remarks:

	Kathleen E. Cook, Attorney in Fact, Pursuant to Power of Attorney dated 6/25/2025	12/17/2025
	** 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.

FAQ

What insider stock transactions were reported at Chemung Financial Corp (CHMG)?

An executive vice president and CIO of Chemung Financial Corp reported disposing of 115 shares of common stock on 12/15/2025 and 73 shares on 12/16/2025 in transactions coded “F,” at prices of $59.30 and $59.57 per share.

How many Chemung Financial Corp (CHMG) shares does the officer own after the reported transactions?

Following the reported activity, the officer beneficially owns 5,627 shares of Chemung Financial Corp common stock directly, plus 105 shares held indirectly by a spouse and 9,426.075 shares held indirectly through a qualified plan.

What does the footnote in the Chemung Financial Corp (CHMG) Form 4 explain?

The footnote explains that the 9,426.075 shares held indirectly through a qualified plan include dividends issued periodically under Chemung Financial Corp’s dividend reinvestment plan.

What is the relationship of the reporting person to Chemung Financial Corp (CHMG)?

The reporting person is an officer of Chemung Financial Corp, serving as executive vice president (EVP) and chief information officer (CIO).

Is the Chemung Financial Corp (CHMG) Form 4 filed by a single reporting person?

Yes. The Form 4 indicates that it is filed by one reporting person, rather than jointly with multiple insiders.

How is indirect ownership reported for the Chemung Financial Corp (CHMG) officer?

Indirect ownership is reported as 105 shares held by spouse and 9,426.075 shares held by a qualified plan, in addition to the officer’s direct holdings.