Chemung Financial Corporation (CHMG)
NASDAQ: CHMG · Real-Time Price · USD
85.70
+0.26 (0.30%)
Oct 27, 2026, 11:49 AM EDT - Market open
Chemung Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 15.1 | 23.67 | 25 | 28.78 | 26.43 |
Depreciation & Amortization | 2.67 | 2.02 | 2.8 | 3.03 | 3.5 |
Other Amortization | 0.06 | - | - | - | - |
Gain (Loss) on Sale of Assets | -0.64 | -0.02 | -0.03 | -0 | 0.03 |
Gain (Loss) on Sale of Investments | 1.23 | 2.08 | 2.36 | 4.11 | 5.13 |
Total Asset Writedown | - | 0.05 | 0 | - | - |
Provision for Credit Losses | 4.44 | -0.05 | 3.43 | -0.55 | 0.02 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.22 | 0.21 | 0.14 | 0.5 | 0.85 |
Accrued Interest Receivable | 0.36 | -0.49 | - | - | - |
Change in Other Net Operating Assets | 8.68 | -0.05 | -2.57 | -2.54 | 0.94 |
Other Operating Activities | 13.81 | 0.86 | -3.38 | 0.09 | -0.99 |
Operating Cash Flow | 45.5 | 29.82 | 30.88 | 35.05 | 35.46 |
Operating Cash Flow Growth | 52.60% | -3.45% | -11.89% | -1.17% | 23.73% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -1.69 | -3.63 | -0.46 | -0.43 | -0.37 |
Sale of Property, Plant and Equipment | 1.41 | 0.04 | - | - | - |
Investment in Securities | 270.62 | 49.54 | 59.26 | 63.82 | -259.74 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -202.08 | -100.46 | -144.16 | -312.36 | 18.2 |
Other Investing Activities | -0.35 | -3.62 | 2.7 | -3.98 | -0.78 |
Investing Cash Flow | 68.32 | -57.72 | -82.38 | -252.62 | -242.48 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | 77.19 | - | 81.24 | 14.57 |
Long-Term Debt Issued | 45 | 0.73 | - | - | - |
Total Debt Issued | 45 | 77.92 | - | 81.24 | 14.57 |
Short-Term Debt Repaid | -22 | - | -63.89 | - | - |
Long-Term Debt Repaid | -0.34 | - | -0.28 | -0.27 | -0.26 |
Total Debt Repaid | -22.34 | - | -64.17 | -0.27 | -0.26 |
Net Debt Issued (Repaid) | 22.67 | 77.92 | -64.17 | 80.97 | 14.32 |
Issuance of Common Stock | 0.54 | 0.43 | 0.6 | 0.42 | 0.43 |
Repurchase of Common Stock | -0.4 | -0.34 | -0.32 | -0.93 | -1.62 |
Common Dividends Paid | -6.33 | -7.37 | -5.84 | -5.8 | -5.32 |
Net Increase (Decrease) in Deposit Accounts | -126.21 | -32.54 | 102.2 | 171.79 | 117.66 |
Other Financing Activities | -1.03 | - | - | - | - |
Financing Cash Flow | -110.76 | 38.1 | 32.48 | 246.46 | 125.47 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 3.06 | 10.19 | -19.02 | 28.89 | -81.56 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 43.81 | 26.19 | 30.42 | 34.62 | 35.09 |
Free Cash Flow Growth | 67.29% | -13.91% | -12.14% | -1.35% | 26.27% |
Free Cash Flow Margin | 48.32% | 26.91% | 31.77% | 36.00% | 39.24% |
Free Cash Flow Per Share | 9.12 | 5.49 | 6.43 | 7.38 | 7.49 |