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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	22.64	23.67	25	28.78	26.43	19.26
Depreciation & Amortization	2.21	2.02	2.8	3.03	3.5	4.26
Gain (Loss) on Sale of Assets	0.03	-0.02	-0.03	-0	0.03	0.29
Gain (Loss) on Sale of Investments	2.27	2.08	2.36	4.11	5.13	1.75
Total Asset Writedown	0.05	0.05	0	-	-	0.04
Provision for Credit Losses	3.09	-0.05	3.43	-0.55	0.02	4.24
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.03	0.21	0.14	0.5	0.85	2.75
Change in Other Net Operating Assets	-1.96	-0.53	-2.57	-2.54	0.94	-1.62
Other Operating Activities	1.16	0.86	-3.38	0.09	-0.99	-1.35
Operating Cash Flow	29.06	29.82	30.88	35.05	35.46	28.66
Operating Cash Flow Growth	-5.89%	-3.45%	-11.89%	-1.17%	23.73%	8.54%
Capital Expenditures	-3.87	-3.63	-0.46	-0.43	-0.37	-0.87
Sale of Property, Plant and Equipment	0.01	0.04	-	-	-	-
Investment in Securities	51.23	49.54	59.26	63.82	-259.74	-261.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-95.45	-100.46	-144.16	-312.36	18.2	-234.47
Other Investing Activities	-3.57	-3.22	2.99	-3.65	-0.57	0.16
Investing Cash Flow	-51.49	-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	27.92	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	7.8	-	-64.17	-0.27	-0.26	-0.24
Net Debt Issued (Repaid)	35.72	77.92	-64.17	80.97	14.32	-0.24
Issuance of Common Stock	0.43	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	-7.43	-7.37	-5.84	-5.8	-5.32	-5.01
Net Increase (Decrease) in Deposit Accounts	-47.38	-32.54	102.2	171.79	117.66	465.64
Financing Cash Flow	-19	38.1	32.48	246.46	125.47	453.82
Net Cash Flow	-41.43	10.19	-19.02	28.89	-81.56	-13.37
Free Cash Flow	25.19	26.19	30.42	34.62	35.09	27.79
Free Cash Flow Growth	-17.20%	-13.91%	-12.14%	-1.35%	26.27%	8.89%
Free Cash Flow Margin	26.19%	26.91%	31.77%	36.00%	39.24%	34.83%
Free Cash Flow Per Share	5.27	5.49	6.43	7.38	7.49	5.79
Cash Interest Paid	53.75	53.02	36.5	6.64	3.47	4.03
Cash Income Tax Paid	6.07	6.08	7.86	5.63	5.68	6.01

Updated Mar 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q