8-K ·Filed Apr 17, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▲ Bullish
Strong loan growth and margin stability suggest sustainable earnings momentum; monitor Western New York expansion for continued growth signals.
Final — all horizons settled through T+60d ⚠ clustered
CHMG ▲ +19.01% at T+60d
LONG call ✓ call won +19.01% · α vs SPY +12.86% · entry $62.82 → $74.76
T+1d
+8.17%
call +8.17% · α +8.36%
$67.95
settled 6mo ago
T+5d
+6.38%
call +6.38% · α +5.83%
$66.83
settled 6mo ago
T+20d
+6.34%
call +6.34% · α +0.96%
$66.80
settled 5mo ago
T+60d
+19.01%
call +19.01% · α +12.86%
$74.76
settled 3mo ago
Price Chart
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Executive Summary
Chemung Financial Corporation reported record first-quarter 2026 net income of $9.2 million ($1.91/share), up 19% year-over-year, driven by strong loan growth and improved net interest margin, though revenue missed consensus expectations.
Key Financial Metrics
EPS
$1.91
est $1.63 · +17.2%
Revenue
$30.0M
est $0.00 · 0.0% · +19.0% YoY
Rating
beat
Key Facts
- Record quarterly net income of $9.2 million, up 19% YoY
- EPS of $1.91 beat consensus of $1.63 by 17.2%
- Net interest margin held steady at 3.60% vs 3.61% last quarter
- Provision for credit losses decreased to $0.6 million from $1.1 million
- Western New York loan division grew nearly 15% annually
Financial Impact
EPS beat by $0.28 (17.2%) on $30.0 million in net interest income
epsnet_incomenet_interest_marginprovision_for_credit_losses
Risk Factors
- Non-interest income declined 6.0% sequentially
- Commercial loan growth concentrated in higher-risk non-owner occupied CRE
Market Snapshot
Exchange
Nasdaq
Sector
State Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001171843-26-002529 |
| Document: f8k_041726.htm | 0001171843-26-002529 |
| Document: 0001171843-26-002529-index-headers.html | 0001171843-26-002529 |
| Document: 0001171843-26-002529-index.html | 0001171843-26-002529 |
| Document: 0001171843-26-002529.txt | 0001171843-26-002529 |
| 8-K Data (Synthetic) | 0001171843-26-002529 |
11 reports for CHMG
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $83.88 | awaiting T+60 | — | $85.44 (+1.86%) |
Oct 22, 2026 4d ago | Press Release | $83.88 | awaiting T+60 | — | $85.44 (+1.86%) |
Oct 1, 2026 25d ago | 8-K | $80.61 | awaiting T+60 | — | $85.44 (+5.99%) |
Aug 19, 2026 9w ago | 8-K | $81.64 | awaiting T+60 | — | $85.44 (+4.65%) |
Aug 19, 2026 9w ago | Press Release | $81.64 | awaiting T+60 | — | $85.44 (+4.65%) |
Jul 22, 2026 13w ago | Press Release | $74.57 $79.60 | ▲ +6.75% | ▲ +2.19% | $85.44 (+14.58%) |
May 8, 2026 24w ago | 8-K | $68.00 $82.37 | ▲ +21.13% | ▲ +16.29% | $85.44 (+25.65%) |
Apr 23, 2026 26w ago | DEFA14A | $66.30 $77.04 | ▲ +16.19% | ▲ +11.17% | $85.44 (+28.87%) |
Apr 17, 2026 27w ago | 8-K | $62.82 $74.76 | ▲ +19.01% | ▲ +12.86% | $85.44 (+36.01%) |
Apr 17, 2026 27w ago | Press Release | $62.82 $74.76 | ▲ +19.01% | ▲ +12.86% | $85.44 (+36.01%) |
Showing 10 of 11
US Market Status
Market Closed — Opens Tue (< 1m)
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