About CHMG Dividend Returns
Chemung Financial Corporation (CHMG) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.
How We Calculate Total Return
Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.
Frequently Asked Questions
Q1What is the total return of CHMG over the past year?
Chemung Financial Corporation (CHMG) delivered a total return of 49.39% over the past year when dividends are reinvested. The price-only return was 46.46%, meaning dividends contributed an additional 2.93 percentage points to total returns.
Q2How much would $10,000 invested in CHMG be worth today?
A $10,000 investment in Chemung Financial Corporation one year ago would be worth $14,939 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $14,646. Dividend reinvestment added $293 to the portfolio value.
Q3Does CHMG pay dividends?
Yes, Chemung Financial Corporation (CHMG) pays dividends. In the last year, CHMG paid approximately $1.31 per share in dividends (1.96% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.
Q4Did CHMG beat the S&P 500?
Yes, Chemung Financial Corporation (CHMG) outperformed the S&P 500 by 18.07 percentage points over the past year. CHMG delivered a total return of 49.39%, compared to the S&P 500's 31.32%. This 18.07pp alpha means investors in CHMG earned more than a passive S&P 500 index fund.
Q5What is CHMG's worst drawdown?
Chemung Financial Corporation (CHMG) experienced a maximum drawdown of -21.15% over the past year, declining from its peak on 2026-02-09 to its trough on 2026-03-18. The stock recovered to its prior peak by 2026-04-20. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.
Q6What is CHMG's long-term total return over 10, 20, or 30 years?
Here are Chemung Financial Corporation (CHMG)'s long-term returns with dividends reinvested. Over 10 years, the total return is 191.5% (11.3% CAGR) — $10,000 would have grown to $29,150. Over 20 years: 200.4% total return (5.7% CAGR) — $10,000 → $30,044. Over 30 years: 545.3% total return (6.4% CAGR) — $10,000 → $64,531. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.
Q7What was CHMG's best and worst year?
Chemung Financial Corporation's best calendar year was 2001 with a total return of 50.0%. Its worst year was 2008 with a total return of -28.6%. This range shows the volatility investors should expect — the difference between the best and worst year is 78.6 percentage points.
Find the Best Dividend Stocks
Screen for dividend stocks with the highest total returns (including DRIP).
CZWI
FUNC
PBHC
CFFI
AROW
NBTB
STBA
FXNC
TRST
FIS