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

FNLC has the lower trailing P/E: CHMG trades at 11.86 and FNLC at 10.02. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CHMG or FNLC?

Over the past five years, FNLC grew revenue faster — CHMG at a 9.02% CAGR versus FNLC at 13.03%.

Does CHMG or FNLC pay a bigger dividend?

CHMG yields 1.68% and FNLC yields 4.38% based on trailing dividends and the latest price.

Is CHMG or FNLC more profitable?

CHMG runs the higher net margin — CHMG at 24.21% versus FNLC at 21.66%.

How have CHMG and FNLC total returns compared?

Over the past 10 years, CHMG delivered 13.94% and FNLC delivered 9.00% annualized total return. Past performance doesn't predict future results.

Chemung Financial Corporation (CHMG) vs The First Bancorp, Inc. (FNLC)

A side-by-side comparison of Chemung Financial Corporation and The First Bancorp, 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.

CHMG

Chemung Financial Corporation

$397M

$82.32Financial ServicesDelayed quote: Oct 6, 2026, 12:55 PM EDT

FNLC

The First Bancorp, Inc.

$381M

$33.77Financial ServicesDelayed quote: Oct 6, 2026, 12:54 PM EDT

Total return — CHMG vs FNLC

growth of $100 · dividends reinvested · last 10y

CHMG +270.5% (+14.0%/yr)FNLC +138.5% (+9.1%/yr)CHMG compounded faster over this window

CHMG FNLC

CHMG vs FNLC: by the numbers

•CHMG is the larger company ($397M vs $381M market cap).
•FNLC trades at the lower trailing earnings multiple (10.02 vs 11.86 P/E), one valuation lens rather than an overall verdict.
•CHMG converts more revenue to profit (24.21% vs 21.66% net margin).
•FNLC grew revenue faster over the past five years (13.03% vs 9.02% CAGR).
•FNLC pays the higher dividend yield (4.38% vs 1.68%).

Metrics side by side

Valuation

Metric	CHMG	FNLC
P/E ratio	11.86	10.02
Forward P/E	10.85	N/A
PEG ratio	N/A	2.30
P/S ratio	2.86	2.18
P/B ratio	1.47	1.30

Profitability

Metric	CHMG	FNLC
Operating margin	15.20%	23.76%
Net margin	24.21%	21.66%
ROE	12.41%	12.91%

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.

The First Bancorp, 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	FNLC
Dividend yield	1.68%	4.38%
Payout ratio	19.88%	44.51%

Growth (annualized)

Metric	CHMG	FNLC
Revenue CAGR (5Y)	9.02%	13.03%
EPS CAGR (5Y)	-4.84%	4.40%
Total return CAGR (5Y)	15.25%	8.19%

Frequently asked

Which has the lower trailing P/E, CHMG or FNLC?: FNLC has the lower trailing P/E: CHMG trades at 11.86 and FNLC at 10.02. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CHMG or FNLC?: Over the past five years, FNLC grew revenue faster — CHMG at a 9.02% CAGR versus FNLC at 13.03%.
Does CHMG or FNLC pay a bigger dividend?: CHMG yields 1.68% and FNLC yields 4.38% based on trailing dividends and the latest price.
Is CHMG or FNLC more profitable?: CHMG runs the higher net margin — CHMG at 24.21% versus FNLC at 21.66%.
How have CHMG and FNLC total returns compared?: Over the past 10 years, CHMG delivered 13.94% and FNLC delivered 9.00% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CHMG analysis Full FNLC analysis Interactive comparison tool

Dig into the metrics

Chemung Financial P/E ratio First Bancorp P/E ratio Chemung Financial dividend yield First Bancorp dividend yield Chemung Financial ROE First Bancorp ROE Chemung Financial operating margin First Bancorp operating margin Chemung Financial revenue growth First Bancorp revenue growth

Chemung Financial & First Bancorp appear in these rankings

Highest Dividend Yield 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.