Chemung Financial (CHMG) vs First Bancorp (ME) (FNLC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Chemung Financial (CHMG) has outperformed First Bancorp (ME) (FNLC) over the past year, gaining 54.4% versus a gain of 33.6%. Over five years, CHMG leads with a +74.9% price change compared with +13.2% for FNLC. Chemung Financial is the larger company by market cap ($388.3 million vs $372.0 million), about 1.0 times the size.
On valuation, First Bancorp (ME) trades at a lower trailing P/E (9.8x vs 11.6x for Chemung Financial). First Bancorp (ME) offers the higher dividend yield (4.52% vs 1.69%).
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 | FNLC |
|---|---|---|
| Share price | $80.54 | $32.97 |
| Market cap | $388.32M | $371.98M |
| 1-day change | -0.65% | -1.41% |
| YTD return | +45.29% | +26.48% |
| 1-year return | +54.42% | +33.60% |
| 5-year return | +74.91% | +13.20% |
| P/E ratio (TTM) | 11.57 | 9.78 |
| Forward P/E | 9.82 | — |
| EPS (TTM) | $6.96 | $3.37 |
| Dividend yield | 1.69% | 4.52% |
| Annual dividend | $1.36 | $1.49 |
| 52-week high | $86.00 | $36.30 |
| 52-week low | $49.82 | $24.08 |
| Distance from 52-week high | -6.35% | -9.17% |
| Analyst consensus | buy | — |
| Avg. price target upside | +8.33% | — |
| Average volume | 68.46K | 33.78K |
| Shares outstanding | 4.82M | 11.28M |
| Employees | 348 | 278 |
| 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 FNLC by 20.8 percentage points over the past year.
- First Bancorp (ME) offers a meaningfully higher dividend yield (4.52% vs 1.69%).
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 First Bancorp (ME)
FNLC stock →The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers.
Finance · Major Banks · 278 employees
CHMG vs FNLC FAQ
Which is bigger, Chemung Financial or First Bancorp (ME)?
Chemung Financial (CHMG) is larger, with a market capitalization of $388.32M compared with $371.98M for First Bancorp (ME) (FNLC).
Which stock has performed better over the past year, CHMG or FNLC?
CHMG returned +54.42% over the past 12 months, compared with +33.60% for FNLC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHMG or FNLC?
FNLC has the lower trailing P/E at 9.8, 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 First Bancorp (ME)?
First Bancorp (ME) has the higher yield at 4.52%, compared with 1.69% for Chemung Financial.
Are Chemung Financial and First Bancorp (ME) in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.