Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $10.0M | $7.43M | $19.6M | $15.6M | $19.3M | $26.4M | $28.8M | $25.0M | $23.7M | $15.1M |
| EPS (diluted) | $2.11 | $1.55 | $4.06 | $3.21 | $4.01 | $5.64 | $6.13 | $5.28 | $4.96 | $3.14 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $22.1M | $23.6M | $27.8M | $26.4M | $28.7M | $35.5M | $35.0M | $30.9M | $29.8M | $45.5M |
| Capital expenditures | $1.70M | $1.48M | $1.77M | $883K | $867K | $367K | $426K | $462K | $3.63M | $1.69M |
| Free cash flow | $20.4M | $22.2M | $26.0M | $25.5M | $27.8M | $35.1M | $34.6M | $30.4M | $26.2M | $43.8M |
| Share buybacks | — | — | $0.00 | $0.00 | $7.59M | $1.62M | $933K | $316K | $344K | $396K |
| Dividends paid | $4.88M | $4.92M | $4.97M | $5.03M | $5.01M | $5.32M | $5.80M | $5.84M | $7.37M | $6.33M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $74.2M | $30.7M | $130M | $122M | $109M | $27.0M | $55.9M | $36.8M | $47.0M | $50.1M |
| Total assets | $1.66B | $1.71B | $1.76B | $1.79B | $2.28B | $2.42B | $2.65B | $2.71B | $2.78B | $2.71B |
| Total liabilities | $1.51B | $1.56B | $1.59B | $1.61B | $2.08B | $2.21B | $2.48B | $2.52B | $2.56B | $2.46B |
| Shareholders' equity | $144M | $150M | $165M | $183M | $200M | $211M | $166M | $195M | $215M | $255M |
| Retained earnings | $124M | $128M | $143M | $154M | $168M | $189M | $212M | $230M | $248M | $256M |
| Shares (wtd avg diluted) | — | — | — | — | 4.80M | 4.68M | 4.69M | 4.73M | 4.77M | 4.80M |
Every figure is extracted from CHEMUNG FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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