Chemung Financial Corp (CHMG) — Cash Flow-to-Debt Ratio
Chemung Financial Corp (CHMG) has a Cash Flow-to-Debt Ratio of 0.00x as of March 2026, meaning its operating cash flow of $9.04 Million could theoretically repay 0% of its total liabilities ($2.49 Billion) in one year. See Chemung Financial Corp free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Chemung Financial Corp Cash Flow-to-Debt Ratio (1993–2025)
Historical debt coverage capacity for Chemung Financial Corp across 33 annual periods. Also explore net asset growth rate of Chemung Financial Corp to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Chemung Financial Corp (1993–2025)
Year-by-year debt coverage analysis for Chemung Financial Corp. For market capitalisation and broader financial context, see CHMG stock market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $45.50 Million | $2.46 Billion | ▲ +59.1% |
| 2024 | 0.01x | $29.82 Million | $2.56 Billion | ▼ -5.2% |
| 2023 | 0.01x | $30.88 Million | $2.52 Billion | ▼ -13.2% |
| 2022 | 0.01x | $35.05 Million | $2.48 Billion | ▼ -12.0% |
| 2021 | 0.02x | $35.46 Million | $2.21 Billion | ▲ +16.6% |
| 2020 | 0.01x | $28.66 Million | $2.08 Billion | ▼ -16.2% |
| 2019 | 0.02x | $26.41 Million | $1.61 Billion | ▼ -5.8% |
| 2018 | 0.02x | $27.77 Million | $1.59 Billion | ▲ +15.1% |
| 2017 | 0.02x | $23.64 Million | $1.56 Billion | ▲ +3.8% |
| 2016 | 0.01x | $22.14 Million | $1.51 Billion | ▲ +53.6% |
| 2015 | 0.01x | $14.12 Million | $1.48 Billion | ▼ -28.6% |
| 2014 | 0.01x | $18.44 Million | $1.38 Billion | ▼ -22.4% |
| 2013 | 0.02x | $22.97 Million | $1.34 Billion | ▼ -21.9% |
| 2012 | 0.02x | $24.56 Million | $1.12 Billion | ▲ +161.5% |
| 2011 | 0.01x | $9.17 Million | $1.09 Billion | ▼ -59.4% |
| 2010 | 0.02x | $17.82 Million | $860.92 Million | ▲ +111.3% |
| 2009 | 0.01x | $8.68 Million | $885.83 Million | ▼ -59.7% |
| 2008 | 0.02x | $18.36 Million | $755.31 Million | ▲ +11.8% |
| 2007 | 0.02x | $15.24 Million | $700.76 Million | ▲ +38.5% |
| 2006 | 0.02x | $10.31 Million | $656.41 Million | ▼ -31.8% |
| 2005 | 0.02x | $14.66 Million | $636.86 Million | ▼ -12.3% |
| 2004 | 0.03x | $16.81 Million | $640.35 Million | ▲ +16.7% |
| 2003 | 0.02x | $15.01 Million | $667.22 Million | ▼ -3.2% |
| 2002 | 0.02x | $15.60 Million | $671.74 Million | ▲ +57.9% |
| 2001 | 0.01x | $9.50 Million | $645.91 Million | ▼ -27.5% |
| 2000 | 0.02x | $12.22 Million | $601.92 Million | ▲ +41.4% |
| 1999 | 0.01x | $8.45 Million | $587.93 Million | ▼ -29.7% |
| 1998 | 0.02x | $11.39 Million | $557.57 Million | ▲ +99.2% |
| 1997 | 0.01x | $5.00 Million | $487.30 Million | ▼ -56.9% |
| 1996 | 0.02x | $11.37 Million | $478.02 Million | ▲ +8.4% |
| 1995 | 0.02x | $9.85 Million | $448.99 Million | ▲ +188.2% |
| 1994 | 0.01x | $3.42 Million | $448.59 Million | ▼ -55.5% |
| 1993 | 0.02x | $6.16 Million | $359.80 Million | — |