Trailing Dividend / Share
$1.31
Chemung Financial Corporation (CHMG) Dividend History
Income profile from 1995 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.8%
Payout Ratio
41.9%
Sustainable
Dividend Streak
1 years
CHMG Dividend Income Check
Safety
41.9% payout ratio with sustainable safety profile.
Consistency
1 straight years of dividend increases.
Income Trend
Yield on cost is 3.9% and trend is rising.
CHMG Dividend Scorecard
Yield & Income
Dividend Yield1.8%
Trailing DPS$1.31
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout41.9%
Earnings SafetySustainable
FCF Payout13.8%
FCF SafetyWell Covered
Piotroski F-Score4/9
Growth
Growth Streak1 years
3Y CAGR2.1%
5Y CAGR4.9%
Yield on Cost (5Y)3.9%
YOC Trendrising
Total Returns
Buyback Yield0.1%
Total Shareholder Yield1.9%
1Y Total Return46.7%
5Y Total Return85.4%
Div Contribution (5Y)14.6%
Estimated $10K growth (return + dividends):
5Y ago$18,79910Y ago$28,85620Y ago$32,847
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CHMG Income Growth Story
Dividend per share and yield on cost over time (32 years of payments)
CHMG Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Chemung Financial Corporation distributes 41.9% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 13.8%, rated "Well Covered".
Piotroski F-Score: 4/9 — moderate financial health.
Growth Track Record
CHMG has raised its dividend for 1 consecutive year, with a 3-year CAGR of 2.1% and 5-year CAGR of 4.9%.
Total Shareholder Returns
Beyond cash dividends, CHMG returns capital through share repurchases. The combined picture: 1.8% dividend yield, 0.1% buyback yield, 1.9% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.9% and is currently rising. The 5-year total return is 85.4%, with dividends contributing 14.6% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $28,856 today.
CHMG Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$6.34
Avg/Payment$0.3170
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 17, 2026Latest | $0.3400 | — | 1.94% | Jul 1, 2026 |
| Mar 18, 2026 | $0.3400 | — | 2.61% | Apr 1, 2026 |
| Dec 19, 2025 | $0.3400 | — | 2.28% | Jan 2, 2026 |
| Sep 17, 2025 | $0.3400 | ↑ +6.3% | 2.46% | Oct 1, 2025 |
| Jun 17, 2025 | $0.3200 | — | 2.73% | Jul 1, 2025 |
| Mar 18, 2025 | $0.3200 | ↑ +3.2% | 2.61% | Apr 1, 2025 |
| Dec 19, 2024 | $0.3100 | — | 2.49% | Jan 2, 2025 |
| Sep 19, 2024 | $0.3100 | — | 2.54% | Oct 1, 2024 |
CHMG Dividend vs Peers
Comparable companies in the same industry
#8 yield in peer group
Div Yield
1.8%
#8 of 9
Safety
Sustainable
41.9% payout
Streak
1Y
4.9% 5Y CAGR
Total Shareholder
1.9%
#9 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| CHMGChemung Financial Co… | $358M | 1.8% | 41.9% | 1 | Sustainable |
 CZWICitizens Community B… | $225M | 1.6% | 25.0% | 6 | Sustainable |
 FUNCFirst United Corpora… | $283M | 2.1% | 24.3% | 7 | Sustainable |
 PBHCPathfinder Bancorp, … | $99M | 2.4% | — | 5 | Unknown |
 CFFIC&F Financial Corpor… | $260M | 2.3% | 22.2% | 1 | Sustainable |
2nd  AROWArrow Financial Corp… | $675M | 2.8% | 43.0% | 4 | Sustainable |
1st  NBTBNBT Bancorp Inc. | $2.6B | 2.9% | 42.9% | 13 | Sustainable |
3rd  STBAS&T Bancorp, Inc. | $1.8B | 2.8% | 39.4% | 13 | Sustainable |
 FXNCFirst National Corpo… | $265M | 2.1% | 31.2% | 11 | Sustainable |
CHMG Annual Dividend History (1993–2026)
34 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.68 | — | 2 | — | — | — | 2.0% |
| 2025 | $1.32 | 6.5% | 4 | $3.13 | 42.2% | 2.37x | 3.9% |
| 2024 | $1.24 | 0.0% | 4 | $4.96 | 25.0% | 4.00x | 3.6% |
| 2023 | $1.24 | 0.0% | 4 | $5.28 | 23.5% | 4.26x | 3.6% |
| 2022 | $1.24 | 4.2% | 4 | $6.13 | 20.2% | 4.94x | 3.6% |
| 2021 | $1.19 | 14.4% | 4 | $5.64 | 21.1% | 4.74x | 3.5% |
| 2020 | $1.04 | 0.0% | 4 | $4.01 | 25.9% | 3.86x | 3.1% |
| 2019 | $1.04 | 0.0% | 4 | $3.21 | 32.4% | 3.09x | 3.1% |
| 2018 | $1.04 | 0.0% | 4 | $4.06 | 25.6% | 3.90x | 3.1% |
| 2017 | $1.04 | 0.0% | 4 | $2.16 | 48.1% | 2.08x | 3.1% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
31+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
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CHMG — Frequently Asked Questions
Quick answers to the most common questions about buying CHMG stock.
How much dividend does CHMG pay per share?
Chemung Financial Corporation (CHMG) pays a trailing 12-month dividend of $1.31 per share, with a current dividend yield of +1.8%. Payments are made Semi-Annual.
When is CHMG's next ex-dividend date?
CHMG's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CHMG typically pays dividends Semi-Annual.
Is CHMG's dividend safe?
CHMG's dividend safety is rated "Sustainable" based on an earnings payout ratio of +41.9% and FCF payout ratio of +13.8%. The 1-year growth streak provides moderate confidence.
How many years has CHMG increased its dividend?
CHMG has 1 consecutive years of dividend growth. The 5-year dividend CAGR is +4.9%.
How often does CHMG pay dividends?
Chemung Financial Corporation pays dividends Semi-Annual. The trailing 12-month total is $1.31 per share. Dividend data on this page covers 31+ years from 1995 to 2026.
How much would $10,000 invested in CHMG grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CHMG five years ago would be worth approximately $18,799 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CHMG's yield on cost for long-term holders?
CHMG's yield on cost — the current dividend divided by the original purchase price — is +3.9% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.8% market yield, thanks to consistent dividend growth.