UNITED STATES OF AMERICA

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

CURRENT REPORT

~~Pursuant~~PURSUANT toTO ~~Section~~SECTION 13 orOR 15(d)of ~~the~~OF ~~Securities~~THE ~~Exchange~~SECURITIES ~~Act~~EXCHANGE ofACT OF 1934

Date of Report (Date of earliest event reported): ~~January~~ ~~26,~~February ~~2026 (January 26~~2, 2026)

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CHEMUNG FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

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New York	001-35741	16-1237038
(State or other jurisdiction	(Commission File Number)	(IRS Employer
of incorporation)		Identification No.)

New York	001-35741	16-1237038
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

One Chemung Canal Plaza, Elmira, NY 14901

~~One~~(Address ~~Chemung~~of ~~Canal~~principal ~~Plaza~~executive offices) (Zip Code)

Elmira, New York 14901

(Address of Principal Executive Offices) (Zip Code)

(607) 737-3711

(Registrant'’s telephone number, including area code)

~~(Former~~Securities ~~name~~registered orpursuant ~~former~~to ~~address,~~Section if12(b) ~~changed~~of ~~since~~the ~~last~~Exchange ~~report)~~Act:

_______________________________

Title of each class		Trading symbol		Name of exchange on which registered
Common stock, par value $0.01 per share		CHMG		The Nasdaq Stock Market LLC

~~Securities~~Check ~~registered~~the ~~pursuant~~appropriate box below if the Form 8-K filing is intended to ~~Section~~simultaneously ~~12(b)~~satisfy the filing obligation of the ~~Act~~registrant under any of the following provisions (see General Instruction A.2 below):

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common stock, par value $0.01 per share	CHMG	The Nasdaq Stock Market LLC

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

~~Check~~☐ ~~the~~Soliciting ~~appropriate~~material ~~box~~pursuant ~~below~~to ifRule ~~the Form 8~~14a-K12 ~~filing~~under ~~is intended to simultaneously satisfy~~ the ~~filing~~Exchange ~~obligation~~Act of(17 ~~the~~CFR ~~registrant under any of the following provisions:~~240.14a-12)

☐ ~~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~~☐ byPre-commencement ~~check~~communications ~~mark~~pursuant ~~whether~~to ~~the registrant is an emerging growth company as defined in~~ Rule ~~405 of the Securities Act of 1933~~ 13e-4(~~§230.405 of this chapter~~c) orunder ~~Rule 12b-2 of~~ the ~~Securities~~ Exchange Act of(17 ~~1934~~CFR (§240.~~12b~~13e-~~2 of this chapter~~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~~ITEM 27.~~02.~~01 ~~Results~~Regulation ofFD ~~Operations and Financial Condition.~~Disclosure

OnThe ~~January~~management ~~26,~~of ~~2026,~~ Chemung Financial Corporation (~~Nasdaq:~~the ~~CHMG~~“Corporation”) ~~issued~~intends ato ~~press~~participate ~~release~~in ~~describing~~meetings ~~its~~with ~~results~~institutional investors and other interested parties during the first quarter of ~~operations~~2026 ~~for~~to discuss the ~~three~~Corporation’s strategies, recent performance, and ~~twelve~~trends. ~~month~~Anders ~~periods~~M. ~~ended~~Tomson, ~~December~~Chief 31Executive Officer, ~~2025~~and Dale M. McKim III, Chief Financial Officer and Treasurer, are expected to present at such meetings.

AThe ~~copy~~investor ofpresentation prepared by the ~~press~~Corporation ~~release~~for use in these meetings is ~~attached~~available ason ~~Exhibit~~the 99Corporation’s website at www.1chemungcanal.com tounder ~~this~~Investor ~~report~~Relations and is“Investor ~~being~~Presentation.” ~~furnished~~Investors toshould note that the Corporation announces material information in Securities and Exchange Commission (the “SEC”) filings and ~~shall~~press ~~not~~releases. Based on guidance from the SEC, the Corporation may also use the Investor Relations section of its corporate website, www.chemungcanal.com, to communicate with investors about the Corporation. It is possible that the information posted there could be deemed ~~filed~~to ~~for~~be ~~any~~material ~~purpose~~information. The information on the Corporation’s website is not incorporated by reference into this Current Report on Form 8-K.

This investor presentation is furnished pursuant to Item 97.01. ~~Financial~~of ~~Statements~~Form 8-K and ~~Exhibits~~shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.

The investor presentation is furnished as Exhibit 99.1 to this report.

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)

Exhibit No.

~~SIGNATURE~~99.1 Fourth Quarter 2025 Investor Presentation

~~Pursuant~~104 toCover ~~the~~Page ~~requirements~~Interactive ofData ~~the~~File ~~Securities~~(embedded ~~Exchange~~within ~~Act of 1934,~~ the ~~registrant~~Inline ~~has~~XBRL ~~duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.~~document)

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

SIGNATURES

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


February 2, 2026		By: /s/ Dale M. McKim, III
		Dale M. McKim, III
		Chief Financial Officer and Treasurer

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