Chemung Financial Corp — Earnings Quality Grade F
CHMG · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -2.2%, CFFO 52.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -53.5% vs revenue -2.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 3.01. Profits backed by cash
FCF $0.0B, FCF/NI = 2.90
Accruals ratio = -1.1%. Low accruals
Cash $0.1B covers only 36% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 9% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Chemung Financial Corp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25