Chemung Financial Corporation / Fundamentals

    Income statement

    Net revenue
    €116.56M
    Cost of goods sold
    €46.51M
    Gross profit
    €70.04M
    SG&A expenses
    €31.60M
    R&D expenses
    €0.00
    EBITDA
    €13.33M
    D&A
    €1.65M
    EBIT
    €11.68M
    Interest expenses
    €43.64M
    EBT
    €11.68M
    Tax expenses
    €2.07M
    Net income
    €9.61M

    Cash flow statement

    Net deferred tax
    €0.00
    Non-cash items
    €15.67M
    Changes in working capital
    -€793.65K
    Operating cash flow
    €27.73M
    Capex
    €2.76M
    Other investing cash flow
    -€104.96M
    Net investing cash flow
    €131.26M
    Total cash dividends paid
    -€6.42M
    Issuance of common stock
    €353.50K
    Debt repayment
    €16.24M
    Other financing cash flow
    €45.51M
    Net financing cash flow
    €55.37M
    Foreign exchange effects
    €0.00
    Net change in cash
    €214.36M
    Cash at end of period
    €274.60M
    Free cash flow
    €30.49M

    Balance sheet

    Cash and cash equivalents
    €274.60M
    Cash and short-term investments
    €274.60M
    Total receivables
    €0.00
    Inventory
    €0.00
    Other current assets
    €0.00
    Total current assets
    €274.60M
    Property, plant & equipment
    €13.25M
    Goodwill
    €18.73M
    Intangible assets
    €0.00
    Long-term investments
    €252.97M
    Other non-current assets
    €77.42M
    Total non-current assets
    €362.51M
    Total assets
    €2.45B
    Accounts payable
    €0.00
    Short-term debt
    €50.29M
    Other current liabilities
    €2.12B
    Total current liabilities
    €2.17B
    Long-term debt
    €4.56M
    Deferred tax liabilities
    €0.00
    Other non-current liabilities
    €72.61M
    Total non-current liabilities
    €77.17M
    Total liabilities
    €2.25B
    Common stock
    €45.47K
    Retained earnings
    €209.53M
    Other equity
    -€36.64M
    Total equity
    €201.60M
    Total liabilities and shareholders' equity
    €2.45B

    Company information

    Market capitalization
    €198.68M
    Employees
    343
    Enterprise Value
    €324.15M

    Company ratios

    Gross margin
    60.1% Much worse than peer group: 82.1%
    EBITDA margin
    11.4% Worse than peer group: 25.6%
    EBIT margin
    10.0% Worse than peer group: 28.7%
    EBT margin
    10.0% Worse than peer group: 24.7%
    Net margin
    8.2% Worse than peer group: 18.3%
    ROE
    4.8% Even with peer group: 8.1%
    ROA
    0.4% Even with peer group: 0.8%
    Asset turnover
    4.8% Even with peer group: 4.8%
    FCF margin
    21.4% Even with peer group: 17.1%
    FCF yield
    12.6%
    Efficiency ratio
    88.6%
    Net sales per employee
    €339.81K
    Net income per employee
    €28.03K

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