8-K ·Filed May 8, 2026
8-K context-dependent: Items 7.01
Actionable Insight ▲ Bullish
Watch for continued loan growth in Albany/Buffalo markets and potential dividend increase. The stock trades at 1.08x tangible book, a discount to peers.
Final — all horizons settled through T+60d
CHMG ▲ +21.13% at T+60d
LONG call ✓ call won +21.13% · α vs SPY +16.29% · entry $68.00 → $82.37
T+1d
-1.35%
call -1.35% · α -1.58%
$67.08
settled 6mo ago
T+5d
-1.76%
call -1.76% · α -3.23%
$66.80
settled 6mo ago
T+20d
+4.46%
call +4.46% · α +4.43%
$71.03
settled 5mo ago
T+60d
+21.13%
call +21.13% · α +16.29%
$82.37
settled 3mo ago
Price Chart
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Executive Summary
Chemung Financial reported record Q1 2026 net income of $9.2M ($1.91 EPS), up 26.5% YoY, driven by balance sheet restructuring and NIM expansion (3.60%). Loan growth annualized 7.5% and stable credit quality (NPLs 0.33%) reinforce strong fundamentals.
Key Facts
- Record Q1 2026 net income of $9.2 million, EPS $1.91
- Net interest margin improved to 3.60% from 2.96% in Q1 2025
- Annualized loan growth of 7.5% in Q1 2026
- ROAA 1.36%, ROAE 14.25%
- Non-performing loans ratio of 0.33%
- Total deposits of $2.314B, up $43.2M from Dec 2025
- Completed balance sheet repositioning in 2025, sold low-yielding securities and issued $45M sub-debt
Financial Impact
Net income increased $1.93M YoY to $9.2M; EPS up $0.40 to $1.91
net incomeepsnet interest marginloan growthroae
Risk Factors
- High CRE concentration (392% regulatory ratio) could face regulatory scrutiny
- Interest rate sensitivity if rates decline faster than loan repricing
- Geographic concentration in New York and Pennsylvania markets
Market Snapshot
Exchange
Nasdaq
Sector
State Commercial Banks
Analyst Consensus
75% bullish (8 analysts)
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001171843-26-003211 |
| Document: f8k_050826.htm | 0001171843-26-003211 |
| Document: 0001171843-26-003211-index-headers.html | 0001171843-26-003211 |
| Document: 0001171843-26-003211-index.html | 0001171843-26-003211 |
| Document: 0001171843-26-003211.txt | 0001171843-26-003211 |
11 reports for CHMG
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $83.88 | awaiting T+60 | — | $85.21 (+1.59%) |
Oct 22, 2026 5d ago | Press Release | $83.88 | awaiting T+60 | — | $85.21 (+1.59%) |
Oct 1, 2026 26d ago | 8-K | $80.61 | awaiting T+60 | — | $85.21 (+5.71%) |
Aug 19, 2026 9w ago | 8-K | $81.64 | awaiting T+60 | — | $85.21 (+4.37%) |
Aug 19, 2026 9w ago | Press Release | $81.64 | awaiting T+60 | — | $85.21 (+4.37%) |
Jul 22, 2026 13w ago | Press Release | $74.57 $79.60 | ▲ +6.75% | ▲ +2.19% | $85.21 (+14.27%) |
May 8, 2026 24w ago | 8-K | $68.00 $82.37 | ▲ +21.13% | ▲ +16.29% | $85.21 (+25.31%) |
Apr 23, 2026 26w ago | DEFA14A | $66.30 $77.04 | ▲ +16.19% | ▲ +11.17% | $85.21 (+28.52%) |
Apr 17, 2026 27w ago | 8-K | $62.82 $74.76 | ▲ +19.01% | ▲ +12.86% | $85.21 (+35.64%) |
Apr 17, 2026 27w ago | Press Release | $62.82 $74.76 | ▲ +19.01% | ▲ +12.86% | $85.21 (+35.64%) |
Showing 10 of 11
US Market Status
Market Closed — Opens Wed (16h 57m)
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