Chemung Financial Corp Cash Flow Quality Index
Chemung Financial Corp 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. See Chemung Financial Corp leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Chemung Financial Corp (1993–2025)
Cash flow quality index of Chemung Financial Corp from 1993 to 2025. Historical Cash Flow Quality Index for Chemung Financial Corp across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore CHMG operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Chemung Financial Corp Cash Flow Quality Index by Year (1993–2025)
Chemung Financial Corp cash flow quality index by year from 1993 to 2025. Year-by-year earnings quality comparison for Chemung Financial Corp. For the full cash flow conversion analysis, see Chemung Financial Corp (CHMG) cash flow conversion.
| 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 | — |