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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	13.28	23.67	25	28.78	26.43	19.26
Depreciation & Amortization	2.55	2.02	2.8	3.03	3.5	4.26
Gain (Loss) on Sale of Assets	-0.65	-0.02	-0.03	-0	0.03	0.29
Gain (Loss) on Sale of Investments	1.64	2.08	2.36	4.11	5.13	1.75
Total Asset Writedown	0.05	0.05	0	-	-	0.04
Provision for Credit Losses	3.85	-0.05	3.43	-0.55	0.02	4.24
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2.85	0.21	0.14	0.5	0.85	2.75
Change in Other Net Operating Assets	2.67	-0.53	-2.57	-2.54	0.94	-1.62
Other Operating Activities	18.22	0.86	-3.38	0.09	-0.99	-1.35
Operating Cash Flow	35.4	29.82	30.88	35.05	35.46	28.66
Operating Cash Flow Growth	30.15%	-3.45%	-11.89%	-1.17%	23.73%	8.54%
Capital Expenditures	-3.01	-3.63	-0.46	-0.43	-0.37	-0.87
Sale of Property, Plant and Equipment	1.32	0.04	-	-	-	-
Investment in Securities	274.4	49.54	59.26	63.82	-259.74	-261.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-175.12	-100.46	-144.16	-312.36	18.2	-234.47
Other Investing Activities	-1.34	-3.62	2.7	-3.98	-0.78	0.16
Investing Cash Flow	96.65	-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	104.13	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	-109.36	-	-64.17	-0.27	-0.26	-0.24
Net Debt Issued (Repaid)	-5.23	77.92	-64.17	80.97	14.32	-0.24
Issuance of Common Stock	0.54	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	-6.17	-7.37	-5.84	-5.8	-5.32	-5.01
Net Increase (Decrease) in Deposit Accounts	-92.61	-32.54	102.2	171.79	117.66	465.64
Financing Cash Flow	-104.85	38.1	32.48	246.46	125.47	453.82
Net Cash Flow	27.21	10.19	-19.02	28.89	-81.56	-13.37
Free Cash Flow	32.39	26.19	30.42	34.62	35.09	27.79
Free Cash Flow Growth	27.08%	-13.91%	-12.14%	-1.35%	26.27%	8.89%
Free Cash Flow Margin	37.40%	26.91%	31.77%	36.00%	39.24%	34.83%
Free Cash Flow Per Share	6.76	5.49	6.43	7.38	7.49	5.79
Cash Interest Paid	52.53	53.02	36.5	6.64	3.47	4.03
Cash Income Tax Paid	5.25	6.08	7.86	5.63	5.68	6.01

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q