Chemung Financial Corp Defensive Interval Ratio
Chemung Financial Corp defensive interval ratio. Chemung Financial Corp (CHMG) has a Defensive Interval Ratio of 45 days as of December 2025. Defensive assets of $280.60 Million (cash $-, short-term investments $280.60 Million, receivables $-) cover 45 days of daily cash needs of $6.22 Million/day. See Chemung Financial Corp working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Chemung Financial Corp (1993–2025)
Defensive interval ratio of Chemung Financial Corp from 1993 to 2025. This chart shows how Chemung Financial Corp's Defensive Interval Ratio has evolved across 26 annual periods from 1993 to 2025. As of December 2025, the ratio stands at 45 days, meaning defensive assets of $280.60 Million can fund 45 days of operations without new revenue. Check asset resilience ratio of Chemung Financial Corp to evaluate the company's liquid asset resilience ratio.
Chemung Financial Corp Defensive Interval Ratio by Year (1993–2025)
Chemung Financial Corp defensive interval ratio by year from 1993 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Chemung Financial Corp from 1993 to 2025, covering 26 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see how large is Chemung Financial Corp's balance sheet.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 45 days | $280.60 Million | $6.22 Million/day | $- | $280.60 Million | ▼ -16 days |
| 2024 | 61 days | $421.74 Million | $6.87 Million/day | $- | $421.74 Million | ▼ -25 days |
| 2023 | 87 days | $583.99 Million | $6.75 Million/day | $- | $583.99 Million | ▼ -18 days |
| 2022 | 104 days | $692.05 Million | $6.64 Million/day | $- | $632.59 Million | ▼ -33 days |
| 2021 | 138 days | $823.76 Million | $5.99 Million/day | $- | $792.03 Million | ▲ +31 days |
| 2020 | 106 days | $594.64 Million | $5.59 Million/day | $- | $554.61 Million | ▲ +33 days |
| 2019 | 73 days | $314.51 Million | $4.31 Million/day | $- | $284.09 Million | ▼ -5886 days |
| 2018 | 5959 days | $273.83 Million | $45.95K/day | $- | $242.26 Million | ▲ +5883 days |
| 2017 | 76 days | $320.77 Million | $4.21 Million/day | $- | $293.63 Million | ▼ -7690 days |
| 2016 | 7766 days | $333.36 Million | $42.92K/day | $- | $303.40 Million | ▲ +7673 days |
| 2015 | 94 days | $370.27 Million | $3.96 Million/day | $- | $344.82 Million | ▲ +8 days |
| 2014 | 85 days | $312.97 Million | $3.68 Million/day | $- | $280.51 Million | ▼ -18 days |
| 2013 | 103 days | $368.37 Million | $3.56 Million/day | $- | $346.02 Million | ▲ +16 days |
| 2012 | 87 days | $257.81 Million | $2.95 Million/day | $- | $239.69 Million | ▼ -11 days |
| 2011 | 99 days | $280.87 Million | $2.84 Million/day | $- | $280.87 Million | ▼ -97877 days |
| 2010 | 97976 days | $223.54 Billion | $2.28 Million/day | $- | $223.54 Billion | ▼ -363 days |
| 2009 | 98338 days | $230.98 Billion | $2.35 Million/day | $- | $230.98 Billion | ▲ +1713 days |
| 2008 | 96625 days | $191.25 Billion | $1.98 Million/day | $- | $191.25 Billion | ▲ +6344 days |
| 2007 | 90281 days | $165.32 Billion | $1.83 Million/day | $- | $165.32 Billion | ▼ -16771 days |
| 2006 | 107052 days | $184.83 Billion | $1.73 Million/day | $- | $184.83 Billion | ▼ -35907 days |
| 2005 | 142958 days | $238.34 Billion | $1.67 Million/day | $- | $238.34 Billion | ▼ -5010 days |
| 2004 | 147968 days | $249.33 Billion | $1.69 Million/day | $- | $249.33 Billion | ▼ -15409 days |
| 2003 | 163377 days | $282.92 Billion | $1.73 Million/day | $- | $282.92 Billion | ▲ +21919 days |
| 2002 | 141458 days | $257.15 Billion | $1.82 Million/day | $- | $257.15 Billion | ▲ +141451 days |
| 1994 | 7 days | $7.95 Million | $1.20 Million/day | $- | $- | ▲ +1 days |
| 1993 | 5 days | $4.94 Million | $949.70K/day | $- | $- | — |