Which has the lower trailing P/E, CBK or CHMG?

CBK has the lower trailing P/E: CBK trades at 10.67 and CHMG at 11.85. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does CBK or CHMG pay a bigger dividend?

CBK yields 1.02% and CHMG yields 1.68% based on trailing dividends and the latest price.

Is CBK or CHMG more profitable?

CBK runs the higher net margin — CBK at 30.36% versus CHMG at 24.21%.

Commercial Bancgroup, Inc. Common Stock (CBK) vs Chemung Financial Corporation (CHMG)

A side-by-side comparison of Commercial Bancgroup, Inc. Common Stock and Chemung Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

CBK

Commercial Bancgroup, Inc. Common Stock

$428M

$31.26Financial ServicesDelayed quote: Oct 6, 2026, 9:30 AM EDT

CHMG

Chemung Financial Corporation

$396M

$82.26Financial ServicesDelayed quote: Oct 6, 2026, 9:30 AM EDT

Total return — CBK vs CHMG

growth of $100 · dividends reinvested · last 1y

CBK +31.8% (+31.8%/yr)CHMG +59.9% (+59.9%/yr)CHMG compounded faster over this window

CBK CHMG

CBK vs CHMG: by the numbers

•CBK is the larger company ($428M vs $396M market cap).
•CBK trades at the lower trailing earnings multiple (10.67 vs 11.85 P/E), one valuation lens rather than an overall verdict.
•CBK converts more revenue to profit (30.36% vs 24.21% net margin).
•CHMG pays the higher dividend yield (1.68% vs 1.02%).

Metrics side by side

Valuation

Metric	CBK	CHMG
P/E ratio	10.67	11.85
Forward P/E	10.49	10.84
P/S ratio	3.32	2.86
P/B ratio	1.42	1.47

Profitability

Metric	CBK	CHMG
Operating margin	38.60%	15.20%
Net margin	30.36%	24.21%
ROE	12.93%	12.41%

Commercial Bancgroup, Inc. Common Stock: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Chemung Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	CBK	CHMG
Dividend yield	1.02%	1.68%
Payout ratio	10.92%	19.88%

Growth (annualized)

Metric	CBK	CHMG
Revenue CAGR (5Y)	N/A	9.02%
EPS CAGR (5Y)	N/A	-4.84%
Total return CAGR (5Y)	N/A	15.25%

Frequently asked

Which has the lower trailing P/E, CBK or CHMG?: CBK has the lower trailing P/E: CBK trades at 10.67 and CHMG at 11.85. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does CBK or CHMG pay a bigger dividend?: CBK yields 1.02% and CHMG yields 1.68% based on trailing dividends and the latest price.
Is CBK or CHMG more profitable?: CBK runs the higher net margin — CBK at 30.36% versus CHMG at 24.21%.

Go deeper

Full CBK analysis Full CHMG analysis Interactive comparison tool

Dig into the metrics

Commercial Bancgroup, Inc. Common Stock P/E ratio Chemung Financial P/E ratio Commercial Bancgroup, Inc. Common Stock dividend yield Chemung Financial dividend yield Commercial Bancgroup, Inc. Common Stock ROE Chemung Financial ROE Commercial Bancgroup, Inc. Common Stock operating margin Chemung Financial operating margin Commercial Bancgroup, Inc. Common Stock revenue growth Chemung Financial revenue growth

Commercial Bancgroup, Inc. Common Stock & Chemung Financial appear in these rankings

Highest Operating Margin Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.