Chemung Financial Corporation

Chemung Financial Corporation

CHMGยทNASDAQ

$67.52

-2.5%
Financial ServicesBanks - Regional

Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

At a Glance

Live Snapshot
Market Cap$325.43M
EPS3.1300
P/E Ratio21.57
Earnings Date07/16/2026
3Y+30.0%
5Y+59.0%
10Y+105.0%
3Y-127.0%
5Y-114.0%
10Y-9472.0%
3Y-145.0%
5Y-124.0%
10Y-517.0%
CHMG

Chemung Financial Corporation Cash Conversion Engine

CHMG ยท NASDAQ
Net Income15.10M
Depreciation & Amortization2.67M
Stock-Based Compensation23.00K
Change in Working Capital7.41M
Others22.97M
Capital Expenditures-1.69M
Free Cash Flow44.13M

Cash Flow Quality Analysis

FCF Conversion Rate

292.2%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

3.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+68.5%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$7.41M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Chemung Financial Corporation Cash Flow Statement

CHMG โ€ข NASDAQ

Chemung Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
15.1M
23.7M
25M
28.8M
26.4M
19.3M
15.6M
19.6M
7.4M
10M
9.4M
8.2M
8.7M
11M
10.5M
10.1M
5.2M
8.4M
7.3M
6.6M
2.7M
2M
2.8M
3M
3.5M
4.3M
4.4M
4.2M
4.6M
5.2M
5.2M
5.2M
4.2M
4M
3.9M
3.5M
3.7M
4M
3.3M
3.1M
-2.7M
1.1M
-1.6M
1.7M
570K
-86K
-1.6M
2.2M
4.3M
-2.6M
774K
-2.3M
-121K
647K
3.4M
153.5K
-1.9M
-185.2K
471.1K
4M
23K
1.2M
1.1M
795K
667K
773K
603K
494K
410K
402K
407K
268K
243K
160K
83.1K
56.1K
0.0
0.0
0.0
0.0
23M
-837K
2.7M
-25.5M
-4M
6.1M
5.9M
4.5M
10.1M
3.9M
2.8M
-298K
4.9M
1.7M
1M
1.5M
6.2M
6M
612.5K
351.5K
(6.3M)
(6.1M)
(7.9M)
(5.6M)
(5.7M)
(6M)
(4.5M)
(1.7M)
(4.1M)
(4.4M)
(7M)
(3.3M)
(5.3M)
(1.7M)
(5.1M)
(5.5M)
(7.4M)
(3.3M)
(0.0)
(0.0)
7.4M
2.6M
844K
26.2M
8.3M
-1.7M
1.5M
-3.2M
-3.1M
5.2M
-4.5M
7.4M
5M
7.1M
-9.8M
2.5M
-4.6M
139.6K
3.6M
-3.7M
45.5M
29.8M
30.9M
35M
35.5M
28.7M
26.4M
27.8M
23.6M
22.1M
14.1M
18.4M
23M
24.6M
9.2M
17.8M
8.7M
18.4M
15.2M
10.3M
INVESTING ACTIVITIES
(0.0)
-3.6M
-462K
-426K
-367K
-867K
-883K
-1.8M
-1.5M
-1.7M
-1.2M
-2.6M
-3.7M
-3.7M
-2.6M
-2.1M
-1.8M
-4.2M
-4.1M
-5.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(170.9M)
(0.0)
(25.1M)
(0.0)
(2.9M)
(43.3M)
-5.3M
(0.0)
-4.3M
-5.2M
-3.2M
-24.7M
-403.9M
-331.2M
-119.3M
-18.4M
-43.3M
-99M
-193.1M
-26.2M
-180.5M
-82.2M
-132M
-141.7M
-173.5M
-121M
-14.1M
-3.7M
274.8M
54.7M
62.5M
88.5M
144.1M
69.9M
86.3M
65.5M
55M
132.2M
125.7M
90.2M
67.9M
124.5M
123.9M
154.7M
135.7M
91.5M
36.9M
55.7M
-202.1M
-103.6M
-141.2M
-316M
17.6M
-233.7M
1.2M
-1.4M
-116.9M
-32.2M
-46.1M
-132.6M
-101.1M
-95.5M
-19.6M
-19.8M
25.4M
-18.7M
-59.8M
-71.3M
(68.3M)
-57.7M
-82.4M
-252.6M
-242.5M
-495.8M
-32.7M
(43.9M)
-106.6M
-729K
-114.6M
-71.1M
-46.5M
-56.9M
-5.1M
-9M
-11.3M
-9M
-46.4M
-25M
FINANCING ACTIVITIES
140K
86K
285K
-509K
-1.2M
-6.6M
585K
643K
582K
438K
438K
0.0
-22K
-378K
-283.8K
-272.2K
73.4K
-693.1K
-852.2K
-2.3M
21.6M
77.9M
-64.2M
81M
14.3M
-236K
-219K
-59.9M
50.4M
-24.2M
-17.1M
24.3M
-2M
-16.1M
-910.2K
0.0
0.0
-62.4M
50.7M
-38.7M
-6.3M
-7.4M
-5.8M
-5.8M
-5.3M
-5M
-5M
-5M
-4.9M
-4.9M
-4.8M
-4.8M
-3.6M
-5.7M
-4.1M
-3.5M
-3.5M
-3.5M
-3.4M
-3.4M
-396K
-344K
-316K
-933K
-1.6M
-7.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-93K
-636K
-501.3K
-425.6K
-156.1K
-930.4K
(0.0)
(0.0)
-126.2M
-32.5M
102.2M
172.2M
118.1M
465.6M
2.9M
91.8M
-6.5M
55.2M
119.1M
10.7M
40.5M
41.8M
-6.6M
-24.2M
62.2M
51.6M
-12.5M
60.2M
-110.8M
38.1M
32.5M
246.5M
125.5M
453.8M
-1.8M
27.6M
39.6M
26.6M
97.5M
30.2M
34.9M
19.6M
-11.8M
-28M
58.7M
-15M
34M
15.7M
CASH FLOW SUMMARY
3.1M
10.2M
-19M
28.9M
-81.6M
-13.4M
-8.1M
99.2M
-43.4M
48M
-3M
-22.4M
11.4M
-12.7M
-7.7M
-19.1M
56.1M
-5.7M
2.8M
1M
47M
36.8M
55.9M
27M
108.5M
121.9M
130M
30.7M
74.2M
26.2M
29.2M
51.6M
40.2M
52.9M
60.6M
79.7M
23.7M
29.4M
26.6M
25.6M
50.1M
47M
36.8M
55.9M
27M
108.5M
121.9M
130M
30.7M
74.2M
26.2M
29.2M
51.6M
40.2M
52.9M
60.6M
79.7M
23.7M
29.4M
26.6M
44.1M
26.2M
30.4M
34.6M
35.1M
27.8M
25.5M
26M
22.2M
20.4M
13M
15.9M
19.3M
20.9M
6.6M
15.8M
6.9M
14.2M
11.1M
4.7M

SEC Filings

CHMG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 02, 2026
June 02, 2026
2026
8-K

8-K 2026

N/A

May 21, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

May 08, 2026
May 08, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 23, 2026
June 02, 2026
2026
8-K

8-K 2026

N/A

April 17, 2026
April 17, 2026
2026
8-K

8-K 2026

N/A

April 07, 2026
April 03, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 17, 2026
February 17, 2026
2026
8-K

8-K 2026

N/A

February 02, 2026
February 02, 2026
2026
Showing 1 to 10 of 490 filings