Chemung Financial (CHMG) vs Norwood Financial (NWFL)
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 Norwood Financial (NWFL) over the past year, gaining 53.6% versus a gain of 32.2%. Over five years, CHMG leads with a +74.0% price change compared with +31.6% for NWFL. Chemung Financial is the larger company by market cap ($388.8 million vs $367.7 million), about 1.1 times the size.
On valuation, Norwood Financial trades at a lower forward P/E (8.7x vs 9.8x for Chemung Financial). Norwood Financial offers the higher dividend yield (3.77% 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 | NWFL |
|---|---|---|
| Share price | $80.63 | $33.73 |
| Market cap | $388.76M | $367.73M |
| 1-day change | -1.21% | -1.00% |
| YTD return | +44.50% | +20.25% |
| 1-year return | +53.58% | +32.22% |
| 5-year return | +73.96% | +31.60% |
| P/E ratio (TTM) | 11.58 | 11.79 |
| Forward P/E | 9.83 | 8.70 |
| EPS (TTM) | $6.96 | $2.86 |
| Dividend yield | 1.69% | 3.77% |
| Annual dividend | $1.36 | $1.27 |
| 52-week high | $86.00 | $35.48 |
| 52-week low | $49.82 | $23.82 |
| Distance from 52-week high | -6.24% | -4.93% |
| Analyst consensus | buy | none |
| Avg. price target upside | +8.21% | +8.21% |
| Average volume | 68.54K | 34.57K |
| Shares outstanding | 4.82M | 10.90M |
| Employees | 348 | 275 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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 NWFL by 21.4 percentage points over the past year.
- Norwood Financial offers a meaningfully higher dividend yield (3.77% 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.
Financial Services · Banks - Regional · 348 employees
About Norwood Financial
NWFL stock →Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States.
Financial Services · Banks - Regional · 275 employees
CHMG vs NWFL FAQ
Which is bigger, Chemung Financial or Norwood Financial?
Chemung Financial (CHMG) is larger, with a market capitalization of $388.76M compared with $367.73M for Norwood Financial (NWFL).
Which stock has performed better over the past year, CHMG or NWFL?
CHMG returned +53.58% over the past 12 months, compared with +32.22% for NWFL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHMG or NWFL?
CHMG has the lower trailing P/E at 11.6, versus 11.8 for NWFL. 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 Norwood Financial?
Norwood Financial has the higher yield at 3.77%, compared with 1.69% for Chemung Financial.
Are Chemung Financial and Norwood Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.