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Chemung Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$10.7M in Q3 2026 · $44.3M over twelve months

Operating cash flow$11.4M
Capital spending−$665K
Free cash flow+$10.7M
Cash / net income0.9×

Analysis

In Q3 2026, Chemung Financial generated $11.4M of operating cash flow and spent $665K on capital projects, leaving free cash flow of $10.7M. That is $1.1M less than in Q3 2025 ($11.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $46.0M; the largest uses were other investing ($185M), dividends ($6.6M), capital spending ($1.7M); besides operations, cash came from other financing ($111M), shares issued ($420K); the cash balance fell by $35.8M.

Operating cash flow was $11.4M against net income of $12.7M — 0.9× profit, less cash than reported earnings, worth checking against working capital. The largest differences: other liabilities −$567K, depreciation & amortization +$470K, prepaid and other assets +$257K.

Free cash flow

Chemung Financial: free cash flow by quarterChemung Financial: free cash flow by quarter$4.3MQ4 2024$6.9MQ1 2025$9.4MQ2 2025$11.8MQ3 2025$15.7MQ4 2025$8.9MQ1 2026$8.9MQ2 2026$10.7MQ3 2026
Operating cash flow less capital spending.
Chemung Financial: operating cash flow against capital spendingChemung Financial: operating cash flow against capital spendingOperating cash flowCapital spending$6.2M$1.9MQ4 2024$7.2M$328KQ1 2025$9.7M$360KQ2 2025$12.2M$400KQ3 2025$16.3M$599KQ4 2025$9.0M$133KQ1 2026$9.2M$323KQ2 2026$11.4M$665KQ3 2026
Latest (Q3 2026): Operating cash flow $11.4M, Capital spending $665K.

Capital allocation, year by year

Chemung Financial: where the cash came from (up) and went (down), by fiscal yearChemung Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $35.5MFY2021: Net borrowing −$255KFY2021: Shares issued $426KFY2021: Capital spending −$367KFY2021: Buybacks −$1.6MFY2021: Dividends −$5.3M$35.9MFY2021FY2022: Operating cash flow $35.0MFY2022: Net borrowing −$267KFY2022: Shares issued $424KFY2022: Capital spending −$426KFY2022: Buybacks −$933KFY2022: Dividends −$5.8M$35.5MFY2022FY2023: Operating cash flow $30.9MFY2023: Net borrowing −$277KFY2023: Shares issued $601KFY2023: Capital spending −$462KFY2023: Buybacks −$316KFY2023: Dividends −$5.8M$31.5MFY2023FY2024: Operating cash flow $29.8MFY2024: Shares issued $430KFY2024: Asset sales $44KFY2024: Capital spending −$3.6MFY2024: Buybacks −$344KFY2024: Dividends −$7.4M$30.3MFY2024FY2025: Operating cash flow $45.5MFY2025: Shares issued $536KFY2025: Asset sales $1.3MFY2025: Capital spending −$1.7MFY2025: Buybacks −$396KFY2025: Dividends −$6.3M$47.3MFY2025
Over these 5 years operating cash flow totalled $177M; the largest uses were dividends ($30.6M) and capital spending ($6.6M). Cash-flow statements as filed.

Where the cash came from and went

Chemung Financial: sources (+) and uses (−) of cash, Q3 2026Chemung Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$26.9MOther financing$16.6MOperating cash flow$11.4MDividends−$1.7MCash drawn (+) / kept (−)$1.3MCapital spending−$665KShares issued$89KBuybacks−$58K
Chemung Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Chemung Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$185MOther financing$111MOperating cash flow$46.0MCash drawn (+) / kept (−)$35.8MDividends−$6.6MCapital spending−$1.7MBuybacks−$537KShares issued$420KAsset & business sales$82K

From profit to cash

Chemung Financial: net income to operating cash flow, Q3 2026Chemung Financial: net income to operating cash flow, Q3 2026Net income$12.7MDepreciation & amortization$470KPrepaid and other assets$257KOther liabilities−$567KOperating cash flow$11.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$11.4M−$665K−$58K−$1.7M$89K$1.3M$10.7M
Q2 2026$9.2M−$323K−$11K−$1.6M$99K−$19.7M$8.9M
Q1 2026$9.0M−$133K−$173K−$1.6M$158K−$3.3M$8.9M
Q4 2025$16.3M−$599K−$295K−$1.6M$74K$57.5M$15.7M
Q3 2025$12.2M−$400K−$11K−$1.6M$233K$212M$11.8M
Q2 2025$9.7M−$360K−$5K−$1.5M$83K−$267M$9.4M
Q1 2025$7.2M−$328K−$85K−$1.5M$146K−$6.4M$6.9M
Q4 2024$6.2M−$1.9M−$252K−$1.5M$76K$33.4M$4.3M

Chemung Financial: income statement and cash flow

Chemung Financial, Q3 2026: revenue $32.0M (+11% year over year), operating margin 51.6%. The chart follows the revenue to costs, profit and cash.

Chemung Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.