Chemung Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	23.67	25	28.78	26.43
Depreciation & Amortization	2.02	2.8	3.03	3.5
Gain (Loss) on Sale of Assets	-0.02	-0.03	-0	0.03
Gain (Loss) on Sale of Investments	2.08	2.36	4.11	5.13
Total Asset Writedown	0.05	0	-	-
Provision for Credit Losses	-0.05	3.43	-0.55	0.02
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.21	0.14	0.5	0.85
Change in Other Net Operating Assets	-0.53	-2.57	-2.54	0.94
Other Operating Activities	0.86	-3.38	0.09	-0.99
Operating Cash Flow	29.82	30.88	35.05	35.46
Operating Cash Flow Growth	-3.45%	-11.89%	-1.17%	23.73%
Capital Expenditures	-3.63	-0.46	-0.43	-0.37
Sale of Property, Plant and Equipment	0.04	-	-	-
Investment in Securities	49.54	59.26	63.82	-259.74
Net Decrease (Increase) in Loans Originated / Sold - Investing	-100.46	-144.16	-312.36	18.2
Other Investing Activities	-3.62	2.7	-3.98	-0.78
Investing Cash Flow	-57.72	-82.38	-252.62	-242.48
Short-Term Debt Issued	77.19	-	81.24	14.57
Long-Term Debt Issued	0.73	-	-	-
Total Debt Issued	77.92	-	81.24	14.57
Short-Term Debt Repaid	-	-63.89	-	-
Long-Term Debt Repaid	-	-0.28	-0.27	-0.26
Total Debt Repaid	-	-64.17	-0.27	-0.26
Net Debt Issued (Repaid)	77.92	-64.17	80.97	14.32
Issuance of Common Stock	0.43	0.6	0.42	0.43
Repurchase of Common Stock	-0.34	-0.32	-0.93	-1.62
Common Dividends Paid	-7.37	-5.84	-5.8	-5.32
Net Increase (Decrease) in Deposit Accounts	-32.54	102.2	171.79	117.66
Financing Cash Flow	38.1	32.48	246.46	125.47
Net Cash Flow	10.19	-19.02	28.89	-81.56
Free Cash Flow	26.19	30.42	34.62	35.09
Free Cash Flow Growth	-13.91%	-12.14%	-1.35%	26.27%
Free Cash Flow Margin	26.91%	31.77%	36.00%	39.24%
Free Cash Flow Per Share	5.49	6.43	7.38	7.49
Cash Interest Paid	53.02	36.5	6.64	3.47
Cash Income Tax Paid	6.08	7.86	5.63	5.68

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q