Chemung Financial Corporation (CHMG)

Chemung Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	18.28	15.1	23.67	25	28.78	26.43
Depreciation & Amortization	2.7	2.67	2.02	2.8	3.03	3.5
Provision for Credit Losses	3.95	4.44	-0.05	3.43	-0.55	0.02
Stock-Based Compensation	1.52	1.47	1.26	1.16	1.09	0.69
Net Change in Loans Held-for-Sale	-0.36	-0.04	0	0	0.4	-0.23
Other Adjustments	9.42	15.54	3.17	0.66	5.61	5.55
Changes in Trading Assets	-0.62	-0.32	-0.01	-0.11	-0.22	-0.18
Changes in Accrued Interest and Accounts Receivable	2.77	0.36	-0.49	-1.3	-28.07	-7.39
Changes in Accounts Payable	-0.99	-1.63	0.49	2.12	0.65	-0.05
Changes in Other Operating Activities	2.45	7.9	-0.25	-2.87	24.33	7.12
Operating Cash Flow	47.36	45.5	29.82	30.88	35.05	35.46
Operating Cash Flow Growth	62.96%	52.60%	-3.45%	-11.89%	-1.17%	23.73%
Net Change in Loans Held-for-Investment	-217.95	-202.08	-100.46	-144.16	-312.36	18.2
Net Change in Securities and Investments	379.35	270.27	45.92	61.96	59.84	-260.81
Capital Expenditures	-1.49	-1.69	-3.63	-0.46	-0.43	-0.37
Sale of Property, Plant & Equipment	0.76	1.41	0.04	-	-	-
Other Investing Activities	0.54	0.41	0.4	0.29	0.33	0.5
Investing Cash Flow	44.11	68.32	-57.72	-82.38	-252.62	-242.48
Net Change in Deposits	-119.5	-126.21	-32.54	102.2	171.79	117.66
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-9.29	-22	77.19	-63.89	81.24	14.57
Long-Term Debt Issued	22.5	45	-	-	-	-
Net Long-Term Debt Issued (Repaid)	22.5	45	-	-	-	-
Issuance of Common Stock	0.55	0.54	0.43	0.6	0.42	0.43
Repurchase of Common Stock	-0.48	-0.4	-0.34	-0.32	-0.93	-1.62
Net Common Stock Issued (Repurchased)	0.06	0.14	0.09	0.29	-0.51	-1.19
Common Dividends Paid	-6.43	-6.33	-7.37	-5.84	-5.8	-5.32
Other Financing Activities	-0.94	-1.36	0.73	-0.28	-0.27	-0.26
Financing Cash Flow	-91.53	-110.76	38.1	32.48	246.46	125.47
Net Cash Flow	-0.07	3.06	10.19	-19.02	28.89	-81.56
Free Cash Flow	45.87	43.81	26.19	30.42	34.62	35.09
Free Cash Flow Growth	4.69%	67.29%	-13.91%	-12.14%	-1.35%	19.83%
FCF Margin	48.10%	48.32%	26.91%	31.77%	36.00%	39.24%
Free Cash Flow Per Share	9.53	9.12	5.49	6.43	7.38	7.49
Levered Free Cash Flow	45.6	67.4	21.81	25.18	28.09	29.07
Unlevered Free Cash Flow	4.82	7.3	-1.87	0.18	-0.7	2.64

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q