Chemung Financial Corp (CHMG) — Cash Flow Quality Index
Chemung Financial Corp (CHMG) has a Cash Flow Quality Index of 0.98x as of March 2026. Operating cash flow of $9.04 Million is below net income of $9.20 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Chemung Financial Corp cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Chemung Financial Corp Cash Flow Quality Index (1993–2025)
Historical Cash Flow Quality Index for Chemung Financial Corp across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check cash flow reinvestment rate of Chemung Financial Corp to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Chemung Financial Corp (1993–2025)
Year-by-year earnings quality comparison for Chemung Financial Corp. For live market cap and the full company financial profile, see market value of Chemung Financial Corp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 3.01x | $45.50 Million | $15.10 Million | ▲ +139.2% |
| 2024 | 1.26x | $29.82 Million | $23.67 Million | ▲ +2.0% |
| 2023 | 1.24x | $30.88 Million | $25.00 Million | ▲ +1.4% |
| 2022 | 1.22x | $35.05 Million | $28.78 Million | ▼ -9.3% |
| 2021 | 1.34x | $35.46 Million | $26.43 Million | ▼ -9.8% |
| 2020 | 1.49x | $28.66 Million | $19.26 Million | ▼ -12.0% |
| 2019 | 1.69x | $26.41 Million | $15.61 Million | ▲ +19.5% |
| 2018 | 1.42x | $27.77 Million | $19.63 Million | ▼ -55.5% |
| 2017 | 3.18x | $23.64 Million | $7.43 Million | ▲ +44.1% |
| 2016 | 2.21x | $22.14 Million | $10.03 Million | ▲ +47.5% |
| 2015 | 1.50x | $14.12 Million | $9.43 Million | ▼ -33.8% |
| 2014 | 2.26x | $18.44 Million | $8.16 Million | ▼ -14.1% |
| 2013 | 2.63x | $22.97 Million | $8.73 Million | ▲ +18.1% |
| 2012 | 2.23x | $24.56 Million | $11.02 Million | ▲ +156.2% |
| 2011 | 0.87x | $9.17 Million | $10.54 Million | ▼ -50.7% |
| 2010 | 1.76x | $17.82 Million | $10.10 Million | ▲ +6.4% |
| 2009 | 1.66x | $8.68 Million | $5.23 Million | ▼ -24.5% |
| 2008 | 2.20x | $18.36 Million | $8.35 Million | ▲ +4.7% |
| 2007 | 2.10x | $15.24 Million | $7.26 Million | ▲ +34.2% |
| 2006 | 1.56x | $10.31 Million | $6.59 Million | ▼ -29.7% |
| 2005 | 2.23x | $14.66 Million | $6.59 Million | ▲ +15.6% |
| 2004 | 1.93x | $16.81 Million | $8.73 Million | ▼ -10.8% |
| 2003 | 2.16x | $15.01 Million | $6.95 Million | ▼ -9.5% |
| 2002 | 2.39x | $15.60 Million | $6.54 Million | ▲ +113.2% |
| 2001 | 1.12x | $9.50 Million | $8.49 Million | ▼ -19.9% |
| 2000 | 1.40x | $12.22 Million | $8.76 Million | ▲ +38.7% |
| 1999 | 1.01x | $8.45 Million | $8.39 Million | ▼ -35.5% |
| 1998 | 1.56x | $11.39 Million | $7.30 Million | ▲ +114.2% |
| 1997 | 0.73x | $5.00 Million | $6.86 Million | ▼ -60.6% |
| 1996 | 1.85x | $11.37 Million | $6.16 Million | ▲ +5.0% |
| 1995 | 1.76x | $9.85 Million | $5.60 Million | ▲ +139.3% |
| 1994 | 0.74x | $3.42 Million | $4.65 Million | ▼ -46.4% |
| 1993 | 1.37x | $6.16 Million | $4.49 Million | — |