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 debt repayment capacity of Chemung Financial Corp to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see cash efficiency ratio of Chemung Financial Corp.
Annual Cash Flow Quality Index for Chemung Financial Corp (1993–2025)
Year-by-year earnings quality comparison for 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 | — |