Chemung Financial (CHMG) vs Citizens Financial Services (CZFS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Chemung Financial (CHMG) has outperformed Citizens Financial Services (CZFS) over the past year, gaining 54.4% versus a gain of 40.5%. Over five years, CHMG leads with a +74.9% price change compared with +33.1% for CZFS. Chemung Financial is the larger company by market cap ($390.9 million vs $382.2 million), about 1.0 times the size.
On valuation, Citizens Financial Services trades at a lower forward P/E (9.0x vs 9.9x for Chemung Financial). Citizens Financial Services offers the higher dividend yield (2.53% vs 1.68%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CHMG | CZFS |
|---|---|---|
| Share price | $81.07 | $79.46 |
| Market cap | $390.88M | $382.19M |
| 1-day change | +0.55% | +0.66% |
| YTD return | +45.29% | +38.44% |
| 1-year return | +54.42% | +40.51% |
| 5-year return | +74.91% | +33.11% |
| P/E ratio (TTM) | 11.65 | 9.29 |
| Forward P/E | 9.89 | 9.02 |
| EPS (TTM) | $6.96 | $8.55 |
| Dividend yield | 1.68% | 2.53% |
| Annual dividend | $1.36 | $2.01 |
| 52-week high | $86.00 | $84.65 |
| 52-week low | $49.82 | $52.35 |
| Distance from 52-week high | -5.73% | -6.13% |
| Analyst consensus | buy | none |
| Avg. price target upside | +7.62% | +12.01% |
| Average volume | 68.46K | 34.33K |
| Shares outstanding | 4.82M | 4.81M |
| Employees | 348 | 388 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CHMG has outperformed CZFS by 13.9 percentage points over the past year.
- Chemung Financial trades at a higher earnings multiple (11.6x vs 9.3x trailing P/E).
About Chemung Financial
CHMG stock →Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits.
Finance · Major Banks · 348 employees
About Citizens Financial Services
CZFS stock →Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services.
Finance · Major Banks · 388 employees
CHMG vs CZFS FAQ
Which is bigger, Chemung Financial or Citizens Financial Services?
Chemung Financial (CHMG) is larger, with a market capitalization of $390.88M compared with $382.19M for Citizens Financial Services (CZFS).
Which stock has performed better over the past year, CHMG or CZFS?
CHMG returned +54.42% over the past 12 months, compared with +40.51% for CZFS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHMG or CZFS?
CZFS has the lower trailing P/E at 9.3, versus 11.6 for CHMG. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Chemung Financial or Citizens Financial Services?
Citizens Financial Services has the higher yield at 2.53%, compared with 1.68% for Chemung Financial.
Are Chemung Financial and Citizens Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.