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 (CHMG) long-term investment share to see how much of total assets are deployed in long-term investments.
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 tangible net worth ratio of Chemung Financial Corp to evaluate the tangible quality of the company's equity base.
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 Chemung Financial Corp market capitalisation.
| 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 | — |