Chemung Financial Corp (CHMG) — Financial Flexibility Index
Chemung Financial Corp (CHMG) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $9.17 Million (operating CF $9.04 Million minus capex $133.00K) represents 0% of total liabilities ($2.49 Billion). Check CHMG capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Chemung Financial Corp Financial Flexibility Index (1993–2025)
Historical Financial Flexibility Index trend for Chemung Financial Corp across 33 annual periods. See CHMG working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Chemung Financial Corp (1993–2025)
Year-by-year free cash flow to debt coverage for Chemung Financial Corp. For the full company profile including market capitalisation, see CHMG company net worth.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $47.19 Million | $45.50 Million | $2.46 Billion | ▲ +47.2% |
| 2024 | 0.01x | $33.44 Million | $29.82 Million | $2.56 Billion | ▲ +4.8% |
| 2023 | 0.01x | $31.34 Million | $30.88 Million | $2.52 Billion | ▼ -12.9% |
| 2022 | 0.01x | $35.47 Million | $35.05 Million | $2.48 Billion | ▼ -11.9% |
| 2021 | 0.02x | $35.83 Million | $35.46 Million | $2.21 Billion | ▲ +14.3% |
| 2020 | 0.01x | $29.53 Million | $28.66 Million | $2.08 Billion | ▼ -16.5% |
| 2019 | 0.02x | $27.29 Million | $26.41 Million | $1.61 Billion | ▼ -8.5% |
| 2018 | 0.02x | $29.54 Million | $27.77 Million | $1.59 Billion | ▲ +15.2% |
| 2017 | 0.02x | $25.13 Million | $23.64 Million | $1.56 Billion | ▲ +2.4% |
| 2016 | 0.02x | $23.84 Million | $22.14 Million | $1.51 Billion | ▲ +52.9% |
| 2015 | 0.01x | $15.28 Million | $14.12 Million | $1.48 Billion | ▼ -32.2% |
| 2014 | 0.02x | $21.03 Million | $18.44 Million | $1.38 Billion | ▼ -23.8% |
| 2013 | 0.02x | $26.68 Million | $22.97 Million | $1.34 Billion | ▼ -21.1% |
| 2012 | 0.03x | $28.23 Million | $24.56 Million | $1.12 Billion | ▲ +135.1% |
| 2011 | 0.01x | $11.72 Million | $9.17 Million | $1.09 Billion | ▼ -53.5% |
| 2010 | 0.02x | $19.91 Million | $17.82 Million | $860.92 Million | ▲ +95.1% |
| 2009 | 0.01x | $10.50 Million | $8.68 Million | $885.83 Million | ▼ -60.3% |
| 2008 | 0.03x | $22.54 Million | $18.36 Million | $755.31 Million | ▲ +8.1% |
| 2007 | 0.03x | $19.36 Million | $15.24 Million | $700.76 Million | ▲ +13.8% |
| 2006 | 0.02x | $15.93 Million | $10.31 Million | $656.41 Million | ▼ -16.8% |
| 2005 | 0.03x | $18.57 Million | $14.66 Million | $636.86 Million | ▼ -0.8% |
| 2004 | 0.03x | $18.82 Million | $16.81 Million | $640.35 Million | ▲ +14.2% |
| 2003 | 0.03x | $17.17 Million | $15.01 Million | $667.22 Million | ▼ -14.6% |
| 2002 | 0.03x | $20.24 Million | $15.60 Million | $671.74 Million | ▲ +59.1% |
| 2001 | 0.02x | $12.23 Million | $9.50 Million | $645.91 Million | ▼ -25.1% |
| 2000 | 0.03x | $15.21 Million | $12.22 Million | $601.92 Million | ▲ +24.3% |
| 1999 | 0.02x | $11.95 Million | $8.45 Million | $587.93 Million | ▼ -10.9% |
| 1998 | 0.02x | $12.71 Million | $11.39 Million | $557.57 Million | ▲ +59.1% |
| 1997 | 0.01x | $6.99 Million | $5.00 Million | $487.30 Million | ▼ -44.0% |
| 1996 | 0.03x | $12.23 Million | $11.37 Million | $478.02 Million | ▼ -10.7% |
| 1995 | 0.03x | $12.87 Million | $9.85 Million | $448.99 Million | ▲ +137.4% |
| 1994 | 0.01x | $5.42 Million | $3.42 Million | $448.59 Million | ▼ -35.1% |
| 1993 | 0.02x | $6.69 Million | $6.16 Million | $359.80 Million | — |