CHEMUNG FINANCIAL CORP — Form 8-K
Filed July 22, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
Chemung Financial (CHMG, $2.8B assets) reported Q2 2026 net income of $8.8M ($1.82/share) vs. Q2 2025 net loss of $6.5M (−$1.35/share). Net interest income increased $3.9M (18.8%) to $24.7M YoY; net interest margin expanded 62 basis points to 3.67%. Commercial loans grew $248.3M YoY; total deposits grew $93.3M YTD to $2.36B. Six-month net income of $18.0M ($3.73/share) vs. prior-year loss of $0.4M (−$0.09/share).
Why this rating
Strong earnings recovery and NII expansion after 2025 balance-sheet repositioning. Loan growth and margin improvement are real but moderate relative to $200.6M market cap. No transformational event.
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