Chemung Financial (NASDAQ: CHMG) sees 6.33% stake by Chemung Canal Trust

Rhea-AI Filing Summary

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.

Key Figures

Beneficially owned shares: 305,090 shares Ownership percentage: 6.33% Shares outstanding: 4,820,278 shares +4 more

7 metrics

Beneficially owned shares 305,090 shares Chemung Canal Trust beneficial ownership of Chemung Financial common stock

Ownership percentage 6.33% Percent of Chemung Financial common stock class owned by Chemung Canal Trust

Shares outstanding 4,820,278 shares Chemung Financial common stock outstanding as of June 30, 2026

Shared voting power 305,090 shares Shares over which Chemung Canal Trust has shared power to vote

Shared dispositive power 253,565 shares Shares over which Chemung Canal Trust has shared power to dispose

Retirement plan shares 97,829 shares Shares held in a tax-qualified retirement plan sponsored by Chemung Canal Trust

Retirement plan ownership 2.03% Percent of total outstanding Chemung Financial shares held in the retirement plan

Key Terms

beneficially owned, shared voting power, shared dispositive power, tax-qualified retirement plan, +1 more

5 terms

beneficially owned financial

"Amount beneficially owned: 305090"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

shared voting power financial

"Shared Voting Power 305,090.00"

Shared voting power occurs when two or more parties jointly have the right to vote or decide how a block of company shares is cast, like co-owners who must agree before moving a piece of furniture. Investors care because who controls voting rights affects board elections, major corporate decisions and takeover outcomes, and shared control can alter regulatory disclosures and the practical influence any holder has over a company’s direction and value.

shared dispositive power financial

"Shared Dispositive Power 253,565.00"

tax-qualified retirement plan financial

"held in trust under a tax-qualified retirement plan sponsored"

trust company financial

"The reporting person is a trust company that holds shares"

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 07/15/2026 - 02:46 PM Accepted by SEC EDGAR 07/15/2026 - 02:46 PM Learn about SEC filing dates

FAQ

What percentage of Chemung Financial (CHMG) is owned by Chemung Canal Trust?

Chemung Canal Trust beneficially owns 6.33% of Chemung Financial’s common stock, or 305,090 shares, based on 4,820,278 shares outstanding as of June 30, 2026, as reported by the issuer.

How many Chemung Financial (CHMG) shares does Chemung Canal Trust control for voting?

Chemung Canal Trust has shared voting power over 305,090 Chemung Financial shares and no sole voting power. Voting authority is therefore exercised jointly with others rather than independently by the trust company.

How many Chemung Financial (CHMG) shares were outstanding on June 30, 2026?

Chemung Financial had 4,820,278 shares of common stock outstanding as of June 30, 2026. This share count is the basis for calculating Chemung Canal Trust’s 6.33% beneficial ownership position in the company.

What portion of Chemung Financial (CHMG) shares are held in Chemung Canal Trust’s retirement plan?

A total of 97,829 Chemung Financial shares, or 2.03% of the outstanding stock, are held in trust under a tax-qualified retirement plan sponsored by Chemung Canal Trust for the benefit of its employees.

Does Chemung Canal Trust hold Chemung Financial (CHMG) shares on behalf of other parties?

Yes. Chemung Canal Trust holds Chemung Financial shares in trust, estate, investment management, and custodial accounts, where co-executors, co-trustees, and beneficiaries may have rights to receive dividends and direct or share in sale proceeds.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 32)

CHEMUNG FINANCIAL CORP

(Name of Issuer)

Common Stock

(Title of Class of Securities)

164024101

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 164024101

1

Names of Reporting Persons

CHEMUNG CANAL TRUST CO

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

NEW YORK

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 305,090.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 253,565.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

305,090.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.3 %

12

Type of Reporting Person (See Instructions)

BK

SCHEDULE 13G

Item 1.
(a)	Name of issuer: CHEMUNG FINANCIAL CORP
(b)	Address of issuer's principal executive offices: ONE CHEMUNG CANAL PLZ, P O BOX 1522, ELMIRA, NEW YORK, 14902.
Item 2.
(a)	Name of person filing: Chemung Canal Trust Company
(b)	Address or principal business office or, if none, residence: One Chemung Canal Plaza Elmira, NY 14901
(c)	Citizenship: State of New York, USA
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 164024101
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 305090
(b)	Percent of class: 6.33% based on 4,820,278 shares outstanding as of June 30, 2026, as reported by the issuer.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 305090
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 253565
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. The reporting person is a trust company that holds shares of the issuer's common stock in a variety of trust, estate, investment management ,and custodial accounts. Co-executors and co-trustees of relevant estates and trusts and account beneficiaries had varying rights to receive and/or power to direct the receipt of dividends from or the proceeds of sale of shares. Of the shares reported as beneficially owned by the reporting person, 97,829 shares (2.03% of the total outstanding) were held in trust under a tax-qualified retirement plan sponsored by the reporting person for the benefit of its employees.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

CHEMUNG CANAL TRUST CO

Signature:	JEFFREY P KENEFICK
Name/Title:	REGIONAL PRESIDENT
Date:	07/13/2026