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

CHMG has the lower trailing P/E: CHMG trades at 11.84 and ISTR at 12.34. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CHMG or ISTR?

Over the past five years, ISTR grew revenue faster — CHMG at a 9.02% CAGR versus ISTR at 11.95%.

Does CHMG or ISTR pay a bigger dividend?

CHMG yields 1.68% and ISTR yields 1.57% based on trailing dividends and the latest price.

Is CHMG or ISTR more profitable?

CHMG runs the higher net margin — CHMG at 24.21% versus ISTR at 17.83%.

How have CHMG and ISTR total returns compared?

Over the past 10 years, CHMG delivered 13.94% and ISTR delivered 8.36% annualized total return. Past performance doesn't predict future results.

Chemung Financial Corporation (CHMG) vs Investar Holding Corporation (ISTR)

A side-by-side comparison of Chemung Financial Corporation and Investar Holding 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.

CHMG

Chemung Financial Corporation

$396M

$82.20Financial ServicesDelayed quote: Oct 6, 2026, 2:49 PM EDT

ISTR

Investar Holding Corporation

$404M

$29.37Financial ServicesDelayed quote: Oct 6, 2026, 2:49 PM EDT

Total return — CHMG vs ISTR

growth of $100 · dividends reinvested · last 10y

CHMG +274.3% (+14.1%/yr)ISTR +122.6% (+8.3%/yr)CHMG compounded faster over this window

CHMG ISTR

CHMG vs ISTR: by the numbers

•ISTR is the larger company ($404M vs $396M market cap).
•CHMG trades at the lower trailing earnings multiple (11.84 vs 12.34 P/E), one valuation lens rather than an overall verdict.
•CHMG converts more revenue to profit (24.21% vs 17.83% net margin).
•ISTR grew revenue faster over the past five years (11.95% vs 9.02% CAGR).
•CHMG pays the higher dividend yield (1.68% vs 1.57%).

Metrics side by side

Valuation

Metric	CHMG	ISTR
P/E ratio	11.84	12.34
Forward P/E	10.83	9.29
PEG ratio	N/A	1.19
P/S ratio	2.86	2.14
P/B ratio	1.47	1.04

Profitability

Metric	CHMG	ISTR
Operating margin	15.20%	19.27%
Net margin	24.21%	17.83%
ROE	12.41%	8.00%

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.

Investar Holding 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	CHMG	ISTR
Dividend yield	1.68%	1.57%
Payout ratio	19.88%	19.33%

Growth (annualized)

Metric	CHMG	ISTR
Revenue CAGR (5Y)	9.02%	11.95%
EPS CAGR (5Y)	-4.84%	11.82%
Total return CAGR (5Y)	15.25%	8.25%

Frequently asked

Which has the lower trailing P/E, CHMG or ISTR?: CHMG has the lower trailing P/E: CHMG trades at 11.84 and ISTR at 12.34. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CHMG or ISTR?: Over the past five years, ISTR grew revenue faster — CHMG at a 9.02% CAGR versus ISTR at 11.95%.
Does CHMG or ISTR pay a bigger dividend?: CHMG yields 1.68% and ISTR yields 1.57% based on trailing dividends and the latest price.
Is CHMG or ISTR more profitable?: CHMG runs the higher net margin — CHMG at 24.21% versus ISTR at 17.83%.
How have CHMG and ISTR total returns compared?: Over the past 10 years, CHMG delivered 13.94% and ISTR delivered 8.36% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CHMG analysis Full ISTR analysis Interactive comparison tool

Dig into the metrics

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

Chemung Financial & Investar appear in these rankings

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.