Chemung Financial Corporation (CHMG)

Chemung Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	11.21	23.67	25	28.78	26.43	19.26
Depreciation & Amortization	2.33	2.02	2.8	3.03	3.5	4.26
Gain (Loss) on Sale of Assets	-0.59	-0.02	-0.03	-0	0.03	0.29
Gain (Loss) on Sale of Investments	2.17	2.08	2.36	4.11	5.13	1.75
Total Asset Writedown	0.05	0.05	0	-	-	0.04
Provision for Credit Losses	3.35	-0.05	3.43	-0.55	0.02	4.24
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.6	0.21	0.14	0.5	0.85	2.75
Change in Other Net Operating Assets	-1.77	-0.53	-2.57	-2.54	0.94	-1.62
Other Operating Activities	18.43	0.86	-3.38	0.09	-0.99	-1.35
Operating Cash Flow	32.32	29.82	30.88	35.05	35.46	28.66
Operating Cash Flow Growth	17.79%	-3.45%	-11.89%	-1.17%	23.73%	8.54%
Capital Expenditures	-3.21	-3.63	-0.46	-0.43	-0.37	-0.87
Sale of Property, Plant and Equipment	1.3	0.04	-	-	-	-
Investment in Securities	278.53	49.54	59.26	63.82	-259.74	-261.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-122.88	-100.46	-144.16	-312.36	18.2	-234.47
Other Investing Activities	-1.32	-3.62	2.7	-3.98	-0.78	0.16
Investing Cash Flow	152.98	-57.72	-82.38	-252.62	-242.48	-495.85
Short-Term Debt Issued	-	77.19	-	81.24	14.57	-
Long-Term Debt Issued	-	0.73	-	-	-	-
Total Debt Issued	74.05	77.92	-	81.24	14.57	-
Short-Term Debt Repaid	-	-	-63.89	-	-	-
Long-Term Debt Repaid	-	-	-0.28	-0.27	-0.26	-0.24
Total Debt Repaid	-54.27	-	-64.17	-0.27	-0.26	-0.24
Net Debt Issued (Repaid)	19.78	77.92	-64.17	80.97	14.32	-0.24
Issuance of Common Stock	0.41	0.43	0.6	0.42	0.43	1.02
Repurchase of Common Stock	-0.35	-0.34	-0.32	-0.93	-1.62	-7.59
Common Dividends Paid	-7.49	-7.37	-5.84	-5.8	-5.32	-5.01
Net Increase (Decrease) in Deposit Accounts	53.04	-32.54	102.2	171.79	117.66	465.64
Financing Cash Flow	64.54	38.1	32.48	246.46	125.47	453.82
Net Cash Flow	249.83	10.19	-19.02	28.89	-81.56	-13.37
Free Cash Flow	29.11	26.19	30.42	34.62	35.09	27.79
Free Cash Flow Growth	10.57%	-13.91%	-12.14%	-1.35%	26.27%	8.89%
Free Cash Flow Margin	35.22%	26.91%	31.77%	36.00%	39.24%	34.83%
Free Cash Flow Per Share	6.08	5.49	6.43	7.38	7.49	5.79
Cash Interest Paid	53.16	53.02	36.5	6.64	3.47	4.03
Cash Income Tax Paid	6.52	6.08	7.86	5.63	5.68	6.01

Updated May 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q