CHMG: Chemung Financial Corp Financial Statements
Balance sheet, income statement, and cash flow statements for Chemung Financial Corp (CHMG).
$232.27M Market Cap.
CHMG Market Cap. (MRY)
CHMG Shares Outstanding (MRY)
CHMG Assets (MRY)
Total Assets
$2.78B
Total Liabilities
$2.56B
Total Investments
$2.59B
CHMG Income (MRY)
Revenue
$97.33M
Net Income
$23.67M
Operating Expense
$67.25M
CHMG Cash Flow (MRY)
CF Operations
$29.82M
CF Investing
-$57.72M
CF Financing
$38.10M
CHMG Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $2,776,147,000 (2.42%) | $2,710,529,000 (2.46%) | $2,645,553,000 (9.39%) | $2,418,475,000 (6.10%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $21,824,000 (0.00%) | $21,824,000 (0.00%) | $21,824,000 (-0.07%) | $21,839,000 (-1.10%) |
Shareholders Equity | $215,309,000 (10.28%) | $195,241,000 (17.34%) | $166,388,000 (-21.31%) | $211,455,000 (5.89%) |
Property Plant & Equipment Net | $21,821,000 (7.92%) | $20,219,000 (-10.38%) | $22,562,000 (-10.48%) | $25,203,000 (-7.56%) |
Cash & Equivalents | $47,035,000 (27.65%) | $36,847,000 (-34.05%) | $55,869,000 (107.07%) | $26,981,000 (-75.14%) |
Accumulated Other Comprehensive Income | -$65,065,000 (1.44%) | -$66,013,000 (12.28%) | -$75,257,000 (-1052.48%) | -$6,530,000 (-371.97%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $2,594,633,000 (2.01%) | $2,543,469,000 (3.57%) | $2,455,829,000 (6.75%) | $2,300,618,000 (10.69%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $247,705,000 (7.73%) | $229,930,000 (8.53%) | $211,859,000 (12.17%) | $188,877,000 (12.42%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $118,518,000 (190.51%) | $40,797,000 (-61.42%) | $105,757,000 (314.05%) | $25,542,000 (129.84%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $2,560,838,000 (1.81%) | $2,515,288,000 (1.46%) | $2,479,165,000 (12.33%) | $2,207,020,000 (6.12%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
CHMG Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $97,335,000 (1.66%) | $95,744,000 (-0.44%) | $96,169,000 (7.52%) | $89,442,000 (12.08%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $64,700,000 (4.75%) | $61,764,000 (5.47%) | $58,561,000 (7.38%) | $54,537,000 (0.61%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $67,250,000 (4.68%) | $64,243,000 (8.37%) | $59,280,000 (6.46%) | $55,682,000 (-0.45%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $6,414,000 (-1.34%) | $6,501,000 (-19.80%) | $8,106,000 (10.51%) | $7,335,000 (59.21%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $23,671,000 (-5.32%) | $25,000,000 (-13.14%) | $28,783,000 (8.92%) | $26,425,000 (37.19%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $23,671,000 (-5.32%) | $25,000,000 (-13.14%) | $28,783,000 (8.92%) | $26,425,000 (37.19%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $23,671,000 (-5.32%) | $25,000,000 (-13.14%) | $28,783,000 (8.92%) | $26,425,000 (37.19%) |
Weighted Average Shares | $4,770,000 (0.80%) | $4,732,000 (0.83%) | $4,693,000 (0.21%) | $4,683,000 (-2.48%) |
Weighted Average Shares Diluted | $4,770,000 (0.80%) | $4,732,000 (0.83%) | $4,693,000 (0.21%) | $4,683,000 (-2.48%) |
Earning Before Interest & Taxes (EBIT) | $30,085,000 (-4.50%) | $31,501,000 (-14.61%) | $36,889,000 (9.27%) | $33,760,000 (41.44%) |
Gross Profit | $97,335,000 (1.66%) | $95,744,000 (-0.44%) | $96,169,000 (7.52%) | $89,442,000 (12.08%) |
Operating Income | $30,085,000 (-4.50%) | $31,501,000 (-14.61%) | $36,889,000 (9.27%) | $33,760,000 (41.44%) |
CHMG Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | -$57,723,000 (29.93%) | -$82,381,000 (67.39%) | -$252,620,000 (-4.18%) | -$242,484,000 (51.10%) |
Net Cash Flow from Financing | $38,096,000 (17.30%) | $32,478,000 (-86.82%) | $246,461,000 (96.44%) | $125,466,000 (-72.35%) |
Net Cash Flow from Operations | $29,815,000 (-3.45%) | $30,881,000 (-11.89%) | $35,047,000 (-1.17%) | $35,461,000 (23.73%) |
Net Cash Flow / Change in Cash & Cash Equivalents | $10,188,000 (153.56%) | -$19,022,000 (-165.85%) | $28,888,000 (135.42%) | -$81,557,000 (-510.18%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$54,141,000 (33.91%) | -$81,919,000 (67.52%) | -$252,194,000 (-4.04%) | -$242,403,000 (51.05%) |
Capital Expenditure | -$3,582,000 (-675.32%) | -$462,000 (-8.45%) | -$426,000 (-16.08%) | -$367,000 (57.67%) |
Issuance (Repayment) of Debt Securities | $77,919,000 (221.43%) | -$64,167,000 (-179.24%) | $80,973,000 (465.65%) | $14,315,000 (6165.68%) |
Issuance (Purchase) of Equity Shares | $86,000 (-69.82%) | $285,000 (155.99%) | -$509,000 (57.23%) | -$1,190,000 (81.89%) |
Payment of Dividends & Other Cash Distributions | -$7,365,000 (-26.11%) | -$5,840,000 (-0.74%) | -$5,797,000 (-9.01%) | -$5,318,000 (-6.23%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $1,259,000 (8.63%) | $1,159,000 (6.82%) | $1,085,000 (58.16%) | $686,000 (-14.46%) |
Depreciation Amortization & Accretion | $2,016,000 (-28.05%) | $2,802,000 (-7.40%) | $3,026,000 (-13.62%) | $3,503,000 (-17.73%) |
CHMG Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 24.30% (-6.90%) | 26.10% (-12.71%) | 29.90% (1.36%) | 29.50% (22.41%) |
EBITDA Margin | 33.00% (-7.82%) | 35.80% (-13.73%) | 41.50% (-0.48%) | 41.70% (18.47%) |
Return on Average Equity (ROAE) | 11.30% (-18.71%) | 13.90% (-17.75%) | 16.90% (31.01%) | 12.90% (30.30%) |
Return on Average Assets (ROAA) | 0.90% (0.00%) | 0.90% (-18.18%) | 1.10% (0.00%) | 1.10% (22.22%) |
Return on Sales (ROS) | 30.90% (-6.08%) | 32.90% (-14.32%) | 38.40% (1.86%) | 37.70% (26.09%) |
Return on Invested Capital (ROIC) | 1.10% (-8.33%) | 1.20% (-20.00%) | 1.50% (7.14%) | 1.40% (16.67%) |
Dividend Yield | 2.50% (0.00%) | 2.50% (-7.41%) | 2.70% (3.85%) | 2.60% (-16.13%) |
Price to Earnings Ratio (P/E) | 9.84 (4.34%) | 9.43 (26.05%) | 7.48 (-9.14%) | 8.24 (-2.72%) |
Price to Sales Ratio (P/S) | 2.39 (-2.80%) | 2.46 (9.96%) | 2.24 (-7.98%) | 2.43 (19.04%) |
Price to Book Ratio (P/B) | 1.08 (-10.46%) | 1.21 (-6.59%) | 1.29 (25.85%) | 1.02 (29.42%) |
Debt to Equity Ratio (D/E) | 11.89 (-7.68%) | 12.88 (-13.54%) | 14.9 (42.76%) | 10.44 (0.22%) |
Earnings Per Share (EPS) | 4.96 (-6.06%) | 5.28 (-13.87%) | 6.13 (8.69%) | 5.64 (40.65%) |
Sales Per Share (SPS) | 20.41 (0.86%) | 20.23 (-1.26%) | 20.49 (7.29%) | 19.1 (14.92%) |
Free Cash Flow Per Share (FCFPS) | 5.5 (-14.44%) | 6.43 (-12.86%) | 7.38 (-1.56%) | 7.49 (29.47%) |
Book Value Per Share (BVPS) | 45.14 (9.40%) | 41.26 (16.37%) | 35.45 (-21.48%) | 45.15 (8.58%) |
Tangible Assets Book Value Per Share (TABVPS) | 577.43 (1.62%) | 568.2 (1.63%) | 559.07 (9.24%) | 511.77 (8.87%) |
Enterprise Value Over EBIT (EV/EBIT) | 7 (40.00%) | 5 (0.00%) | 5 (0.00%) | 5 (400.00%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 6.59 (33.86%) | 4.92 (7.26%) | 4.59 (3.08%) | 4.45 (527.64%) |
Asset Turnover | 0.04 (-2.78%) | 0.04 (-5.26%) | 0.04 (2.70%) | 0.04 (-2.63%) |
Current Ratio | - | - | - | - |
Dividends | $1.24 (0.00%) | $1.24 (0.00%) | $1.24 (4.20%) | $1.19 (14.42%) |
Free Cash Flow (FCF) | $26,233,000 (-13.76%) | $30,419,000 (-12.14%) | $34,621,000 (-1.35%) | $35,094,000 (26.27%) |
Enterprise Value (EV) | $211,402,655 (25.27%) | $168,755,273 (-7.82%) | $183,074,667 (10.40%) | $165,835,423 (731.78%) |
Earnings Before Tax (EBT) | $30,085,000 (-4.50%) | $31,501,000 (-14.61%) | $36,889,000 (9.27%) | $33,760,000 (41.44%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $32,101,000 (-6.42%) | $34,303,000 (-14.06%) | $39,915,000 (7.12%) | $37,263,000 (32.48%) |
Invested Capital | $2,825,806,000 (4.94%) | $2,692,655,000 (0.71%) | $2,673,617,000 (11.62%) | $2,395,197,000 (10.89%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $2,754,323,000 (2.44%) | $2,688,705,000 (2.48%) | $2,623,729,000 (9.48%) | $2,396,636,000 (6.17%) |
Market Capitalization | $232,265,655 (-1.24%) | $235,187,273 (9.60%) | $214,583,667 (-0.95%) | $216,646,423 (37.03%) |
Average Equity | $208,578,250 (15.87%) | $180,018,000 (5.57%) | $170,526,500 (-16.44%) | $204,088,750 (4.43%) |
Average Assets | $2,772,766,250 (3.20%) | $2,686,804,750 (6.18%) | $2,530,445,250 (4.79%) | $2,414,834,500 (15.87%) |
Invested Capital Average | $2,759,582,500 (3.47%) | $2,667,126,500 (6.42%) | $2,506,162,750 (7.47%) | $2,332,028,250 (20.58%) |
Shares | 4,758,567 (0.76%) | 4,722,636 (0.95%) | 4,678,083 (0.30%) | 4,664,078 (0.15%) |
