Chemung Financial Corporation (CHMG) vs Citizens Financial Services, Inc. (CZFS)
A side-by-side comparison of Chemung Financial Corporation and Citizens Financial Services, Inc. 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.
Total return — CHMG vs CZFS
growth of $100 · dividends reinvested · last 10yCHMG vs CZFS: by the numbers
- •CHMG is the larger company ($396M vs $387M market cap).
- •CZFS trades at the lower trailing earnings multiple (9.41 vs 11.83 P/E), one valuation lens rather than an overall verdict.
- •CHMG converts more revenue to profit (24.21% vs 23.34% net margin).
- •CZFS grew revenue faster over the past five years (14.96% vs 9.02% CAGR).
- •CZFS pays the higher dividend yield (2.54% vs 1.68%).
Metrics side by side
Valuation
| Metric | CHMG | CZFS |
|---|---|---|
| P/E ratio | 11.83 | 9.41 |
| Forward P/E | 10.82 | 9.25 |
| PEG ratio | N/A | 2.36 |
| P/S ratio | 2.86 | 2.20 |
| P/B ratio | 1.46 | 1.10 |
Profitability
| Metric | CHMG | CZFS |
|---|---|---|
| Operating margin | 15.20% | 28.62% |
| Net margin | 24.21% | 23.34% |
| ROE | 12.41% | 11.63% |
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.
Citizens Financial Services, Inc.: 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 | CHMG | CZFS |
|---|---|---|
| Dividend yield | 1.68% | 2.54% |
| Payout ratio | 19.88% | 23.63% |
Growth (annualized)
| Metric | CHMG | CZFS |
|---|---|---|
| Revenue CAGR (5Y) | 9.02% | 14.96% |
| EPS CAGR (5Y) | -4.84% | 3.98% |
| Total return CAGR (5Y) | 15.25% | 9.15% |
Frequently asked
- Which has the lower trailing P/E, CHMG or CZFS?
- CZFS has the lower trailing P/E: CHMG trades at 11.83 and CZFS at 9.41. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CHMG or CZFS?
- Over the past five years, CZFS grew revenue faster — CHMG at a 9.02% CAGR versus CZFS at 14.96%.
- Does CHMG or CZFS pay a bigger dividend?
- CHMG yields 1.68% and CZFS yields 2.54% based on trailing dividends and the latest price.
- Is CHMG or CZFS more profitable?
- CHMG runs the higher net margin — CHMG at 24.21% versus CZFS at 23.34%.
- How have CHMG and CZFS total returns compared?
- Over the past 10 years, CHMG delivered 13.94% and CZFS delivered 9.43% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Chemung Financial & Citizens Financial Services appear in these rankings
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.