Chemung Financial (CHMG) EVP reports tax-withholding share disposition

Rhea-AI Filing Summary

Chemung Financial Corp executive Mary E. Meisner reported a tax-related share disposition. On February 27, 2026, she transferred 79 shares of common stock at $55.52 per share to cover tax obligations, a non-open-market transaction coded as a tax-withholding disposition. Following this, she directly owns 4,449.448 shares of Chemung Financial common stock.

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

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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^*

Meisner Mary E

(Last) (First) (Middle)

ONE CHEMUNG CANAL PLAZA, P.O. 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 & Chief Risk Ofcr.

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		79	D	$55.52	4,449.448	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.

FAQ

What insider transaction did Chemung Financial (CHMG) report for Mary E. Meisner?

Chemung Financial reported that executive Mary E. Meisner disposed of shares to cover taxes. She transferred 79 shares of common stock on February 27, 2026, through a tax-withholding transaction, rather than an open-market sale, as part of equity compensation administration.

How many Chemung Financial (CHMG) shares did Mary E. Meisner dispose of?

Mary E. Meisner disposed of 79 shares of Chemung Financial common stock. The transaction occurred on February 27, 2026, and was reported as a tax-withholding disposition, meaning the shares were used to satisfy tax obligations tied to her equity compensation, not sold on the open market.

At what price were Mary E. Meisner’s Chemung Financial (CHMG) shares recorded in the tax-withholding transaction?

The 79 Chemung Financial common shares were recorded at $55.52 per share in the tax-withholding disposition. This price is the transaction value used for the reported transfer to satisfy tax liabilities, not necessarily a separate open-market trade price.

How many Chemung Financial (CHMG) shares does Mary E. Meisner own after the transaction?

After the tax-withholding disposition, Mary E. Meisner directly owns 4,449.448 shares of Chemung Financial common stock. This figure reflects her direct holdings following the 79-share transfer executed to cover tax obligations associated with her compensation.

What does transaction code "F" mean in Mary E. Meisner’s Chemung Financial (CHMG) Form 4?

Transaction code "F" indicates a tax-withholding disposition of shares. In Mary E. Meisner’s case, 79 shares of Chemung Financial common stock were delivered to satisfy tax liabilities, rather than representing an elective open-market buy or sell decision.

Was Mary E. Meisner’s Chemung Financial (CHMG) transaction classified as a buy or sell?

The transaction is classified as a disposal for tax withholding, not a standard buy or sell. Form 4 describes it as a tax-withholding disposition, where 79 shares were delivered to cover obligations tied to her equity compensation, rather than a discretionary market trade.