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AI Earnings Predictions for Chemung Financial Corp (CHMG)

Machine learning predictions based on historical earnings data and price patterns

Latest Prediction

BUY

1-Day Prediction

+3.19%

$77.34

100% positive prob.

5-Day Prediction

+3.87%

$77.85

100% positive prob.

20-Day Prediction

+5.91%

$79.38

95% positive prob.

Price at prediction: $74.95 Confidence: 100.0% Model AUC: 1.0000 Quarter: Q2 2026

Historical Earnings Predictions

Quarter Signal 1D Return 5D Return 20D Return Confidence Actual 5D
Q2 2026 BUY +3.19% +3.87% +5.91% 100.0% Pending
Q1 2026 BUY +2.74% +3.65% +6.07% 100.0% +6.26%
Q4 2025 BUY +2.77% +3.31% +6.94% 100.0% +7.07%

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2026
Q2

Q2 2026 Earnings

8-K BUY

Jul 22, 2026 · 100% conf.

AI Prediction BUY

1D

+3.19%

$77.34

Act: -0.51%

5D

+3.87%

$77.85

20D

+5.91%

$79.38

Price: $74.95 Prob +5D: 100% AUC: 1.000
0001171843-26-004834

EX-99.1

2 exh_991.htm

PRESS RELEASE

EdgarFiling

EXHIBIT 99.1

Chemung Financial Corporation Reports Second Quarter 2026 Net Income of $8.8 million, or $1.82 per share

ELMIRA, N.Y., July 22, 2026 (GLOBE NEWSWIRE) -- Chemung Financial Corporation (the “Corporation”) (Nasdaq: CHMG), the parent company of Chemung Canal Trust Company (the “Bank”), today reported net income of $8.8 million, or $1.82 per share, for the second quarter of 2026, compared to net income of $9.2 million, or $1.91 per share, for the first quarter of 2026, and a net loss of $6.5 million, or $1.35 per share, for the second quarter of 2025.

"One year after initiating our balance sheet repositioning, the positive trajectory of the Corporation's operating results demonstrates the effectiveness of the actions we took to enhance earnings power, improve balance sheet flexibility, and better position the organization for long-term success," said Anders M. Tomson, President and CEO of Chemung Financial Corporation. "Compared to the same period last year, net interest income increased significantly, net interest margin expanded, funding costs declined, and commercial loan growth remained strong across key markets. Together, these results reflect the benefits of the strategic decisions made in 2025 and our continued focus on disciplined execution," Tomson concluded.

Second Quarter 2026 Highlights:

Net interest income increased $3.9 million, or 18.8%, in the second quarter of 2026, compared to the same period in the prior year, while net interest margin expanded 62 basis points to 3.67% over the same period. 1 Year to date annualized loan growth totaled 8.7%, including annualized commercial loan growth of 13.0%. Year to date annualized customer deposit growth totaled 8.3%, supported by strong growth in non interest-bearing deposits, which comprised 28.8% of total deposits as of June 30, 2026, compared to 27.5% as of prior year-end. Dividends declared during the second quarter of 2026 were $0.34 per share. 1 See the GAAP to Non-GAAP reconciliations.

2nd Quarter 2026 vs 1st Quarter 2026

Net Interest Income:

Net interest income for the second quarter of 2026 totaled $24.7 million, compared to $23.6 million for the prior quarter, an increase of $1.1 million, or 4.7%, driven by an increase of $1.3 million in interest income on loans, partially offset by increases of $0.2 million in interest expense on deposits and $0.1 million in interest expense on borrowed funds.

Interest income on loans increased mainly due to an increase of $46.4 million in average balances of total loans and an increase of five basis points in the average yield on total loans, each compared to the prior quarter. The increase in average balances of total loans was concentrated in an increase of $54.5 million in average balances of commercial loans, which was further concentrated in non-owner occupied commercial real estate loans. A majority of the increase in average balances of commercial loans was attributable to the Corporation's Canal Bank division in Western New York, with the remaining portion of the increase being attributable to the Corporation's Capital Bank division in the Albany area market. Average balances of consumer loans declined $7.6 million, compared to the prior quarter, while average balances of residential mortgage loans were approximately in line with the prior quarter. The decline in average balances of consumer loans was largely due to a decline in average balances of indirect auto loans, as a result of the Corporation continuing to prioritize funding other types of lending.

The average yield on total loans increased mainly due to an increase of five basis points in the average yield on commercial loans, as well as an increase of 11 basis points in the average yield on consumer loans, each compared to the prior quarter. The average yield on residential mortgage loans was in line with the prior quarter. The increase in the average yield on commercial loans was primarily due to an increase in interest income recognized on the payoff of nonaccrual commercial loans compared to the prior quarter, an increase in average balances of commercial lines of credit, which tend to carry higher interest rates than commercial term loans, new balances continuing to be originated at higher interest rates relative to the portfolio's average rate, and the impact of interest rate resets on loans originated in the previous lower interest rate environment. The increase in the average yield on consumer loans was largely due to normal turnover in the Corporation's indirect auto lending portfolio as older, lower-yielding balances were replaced by higher-yielding balances in the current quarter. Also contributing to the increase was the repricing of prior promotional home equity lines of credit, which had carried below market interest rates for one year following origination, some of which repriced based on the Prime rate in the current quarter.

Interest expense on deposits

2026
Q1

Q1 2026 Earnings

8-K BUY

Apr 17, 2026 · 100% conf.

AI Prediction BUY

1D

+2.74%

$64.54

Act: +8.17%

5D

+3.65%

$65.11

Act: +6.26%

20D

+6.07%

$66.64

Act: +4.12%

Price: $62.82 Prob +5D: 100% AUC: 1.000
0001171843-26-002529

SEC.gov | Request Rate Threshold Exceeded

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2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 26, 2026 · 100% conf.

AI Prediction BUY

1D

+2.77%

$59.28

Act: +2.48%

5D

+3.31%

$59.59

Act: +7.07%

20D

+6.94%

$61.69

Act: -2.64%

Price: $57.68 Prob +5D: 100% AUC: 1.000
0001171843-26-000415

Form 8-KFalse000076356300007635632026-01-262026-01-26iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  January 26, 2026 (January 26, 2026)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On January 26, 2026, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and twelve month periods ended December 31, 2025.

A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated January 26, 2026. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: January 26, 2026By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2025
Q3

Q3 2025 Earnings

8-K

Oct 21, 2025

0001171843-25-006565

Form 8-KFalse000076356300007635632025-10-212025-10-21iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  October 21, 2025 (October 21, 2025)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 21, 2025, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and nine month periods ended September 30, 2025.

A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated October 21, 2025. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: October 21, 2025By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2025
Q2

Q2 2025 Earnings

8-K

Jul 17, 2025

0001171843-25-004538

Form 8-KFalse000076356300007635632025-07-172025-07-17iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  July 17, 2025 (July 17, 2025)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On July 17, 2025, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and six month periods ended June 30, 2025.

A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated July 17, 2025. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: July 17, 2025By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2025
Q1

Q1 2025 Earnings

8-K

Apr 18, 2025

0001171843-25-002319

Form 8-K0000763563 False 0000763563 2025-04-18 2025-04-18 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  April 18, 2025 (April 18, 2025)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On April 18, 2025, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three month period ended March 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated April 18, 2025. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: April 18, 2025By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2024
Q4

Q4 2024 Earnings

8-K

Jan 28, 2025

0001171843-25-000478

Form 8-K0000763563 False 0000763563 2025-01-28 2025-01-28 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  January 28, 2025 (January 28, 2025)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On January 28, 2025, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and twelve month periods ended December 31, 2024. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1  Press Release of Chemung Financial Corporation dated January 28, 2025. 104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: January 28, 2025By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2024
Q3

Q3 2024 Earnings

8-K

Oct 22, 2024

0001171843-24-005746

Form 8-K0000763563 False 0000763563 2024-10-22 2024-10-22 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  October 22, 2024 (October 22, 2024)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On October 22, 2024, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and nine month periods ended September 30, 2024. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated October 22, 2024. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: October 22, 2024By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2024
Q2

Q2 2024 Earnings

8-K

Jul 18, 2024

0001171843-24-004022

Form 8-K0000763563 False 0000763563 2024-07-18 2024-07-18 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  July 18, 2024 (July 18, 2024)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On July 18, 2024, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and six month periods ended June 30, 2024. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1 Press Release of Chemung Financial Corporation dated July 18, 2024. 104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: July 18, 2024By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2024
Q1

Q1 2024 Earnings

8-K

Apr 18, 2024

0001171843-24-002089

Form 8-K0000763563 False 0000763563 2024-04-18 2024-04-18 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  April 18, 2024 (April 18, 2024)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $0.01 per shareCHMGThe Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On April 18, 2024, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three month period ended March 31, 2024. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated April 18, 2024. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: April 18, 2024By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2023
Q4

Q4 2023 Earnings

8-K

Jan 25, 2024

0001171843-24-000419

Form 8-K0000763563 False 0000763563 2024-01-25 2024-01-25 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  January 25, 2024 (January 25, 2024)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On January 25, 2024, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and twelve month periods ended December 31, 2023. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated January 25, 2024. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: January 25, 2024By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2023
Q3

Q3 2023 Earnings

8-K

Oct 25, 2023

0001171843-23-006378

Form 8-K0000763563 False 0000763563 2023-10-25 2023-10-25 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  October 25, 2023 (October 24, 2023)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On October 24, 2023, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and nine month periods ended September 30, 2023. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1 Press Release of Chemung Financial Corporation dated October 24, 2023. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: October 25, 2023By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2023
Q2

Q2 2023 Earnings

8-K

Jul 20, 2023

0001171843-23-004584

Form 8-K0000763563 False 0000763563 2023-07-20 2023-07-20 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  July 20, 2023 (July 20, 2023)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of Principal Executive Offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On July 20, 2023, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and six month periods ended June 30, 2023. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1  Press Release of Chemung Financial Corporation dated July 20, 2023. 104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: July 20, 2023By: /s/ Dale M. McKim III Dale M. McKim III Chief Financial Officer and Treasurer

2023
Q1

Q1 2023 Earnings

8-K

Apr 20, 2023

0001171843-23-002439

Form 8-K0000763563 False 0000763563 2023-04-20 2023-04-20 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported):  April 20, 2023 (April 20, 2023)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of principal executive offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On April 20, 2023, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three month period ended March 31, 2023. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1  Press Release of Chemung Financial Corporation dated April 20, 2023. 104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: April 20, 2023By: /s/ Karl F. Krebs Karl F. Krebs Chief Financial Officer and Treasurer

2022
Q4

Q4 2022 Earnings

8-K

Jan 26, 2023

0001171843-23-000494

Form 8-K0000763563 False 0000763563 2023-01-26 2023-01-26 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported):  January 26, 2023


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of principal executive offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On January 26, 2023, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and twelve month periods ended December 31, 2022. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1     Press Release of Chemung Financial Corporation dated January 26, 2023. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: January 26, 2023By: /s/ Karl F. Krebs Karl F. Krebs Chief Financial Officer and Treasurer

2022
Q3

Q3 2022 Earnings

8-K

Oct 21, 2022

0001171843-22-006675

Form 8-K0000763563 False 0000763563 2022-10-20 2022-10-20 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 21, 2022 (October 20, 2022)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of principal executive offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On October 20, 2022, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and nine month periods ended September 30, 2022. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1  Press Release of Chemung Financial Corporation dated October 20, 2022. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: October 21, 2022By: /s/ Karl F. Krebs Karl F. Krebs Chief Financial Officer and Treasurer

2022
Q2

Q2 2022 Earnings

8-K

Jul 21, 2022

0001171843-22-004948

Form 8-K0000763563 False 0000763563 2022-07-21 2022-07-21 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported):  July 21, 2022 (July 21, 2022)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of principal executive offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On July 21, 2022, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and six month periods ended June 30, 2022. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1  Press Release of Chemung Financial Corporation dated July 21, 2022. 104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: July 21, 2022By: /s/ Karl F. Krebs Karl F. Krebs Chief Financial Officer and Treasurer

2022
Q1

Q1 2022 Earnings

8-K

Apr 21, 2022

0001171843-22-002708

Form 8-K0000763563 False 0000763563 2022-04-21 2022-04-21 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported):  April 21, 2022


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of principal executive offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On April 21, 2022, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No.

99.1     Press Release of Chemung Financial Corporation dated April 21, 2022. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: April 21, 2022By: /s/ Karl F. Krebs Karl F. Krebs Chief Financial Officer and Treasurer

2021
Q4

Q4 2021 Earnings

8-K

Jan 26, 2022

0001171843-22-000508

Form 8-K

0000763563 False

0000763563

2022-01-26 2022-01-26

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported):  January 26, 2022 (January 26, 2022)


CHEMUNG

FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York 001-35741 16-1237038

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

One Chemung Canal Plaza

Elmira, New York 14901

(Address of principal executive offices) (Zip Code)

(607) 737-3711

(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common stock, par value $.01 per share

CHMG

Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On January 26, 2022, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and twelve month periods ended December 31, 2021.

A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.

99.1

Press Release of Chemung Financial Corporation dated January 26, 2022.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: January 26, 2022 By: /s/ Karl F. Krebs

Karl F. Krebs

Chief Financial Officer and Treasurer

2021
Q3

Q3 2021 Earnings

8-K

Oct 22, 2021

0001171843-21-007069

Form 8-K0000763563 False 0000763563 2021-10-22 2021-10-22 iso4217:USD xbrli:shares iso4217:USD xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported):  October 22, 2021 (October 21, 2021)


CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


New York001-3574116-1237038 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) One Chemung Canal Plaza Elmira, New York 14901 (Address of principal executive offices) (Zip Code) (607) 737-3711 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)


Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, par value $.01 per shareCHMGNasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On October 21, 2021, Chemung Financial Corporation (Nasdaq: CHMG) issued a press release describing its results of operations for the three and nine month periods ended September 30, 2021. A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. 99.1 Press Release of Chemung Financial Corporation dated October 21, 2021.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CHEMUNG FINANCIAL CORPORATION

Date: October 22, 2021By: /s/ Karl F. Krebs Karl F. Krebs Chief Financial Officer and Treasurer

About Chemung Financial Corp (CHMG) Earnings

This page provides Chemung Financial Corp (CHMG) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.

Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on CHMG's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.

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