Chemung Financial Corporation (CHMG) vs MVB Financial Corp. (MVBF)
A side-by-side comparison of Chemung Financial Corporation and MVB Financial Corp. 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 MVBF
growth of $100 · dividends reinvested · last 10yCHMG vs MVBF: by the numbers
- •CHMG is the larger company ($396M vs $384M market cap).
- •MVBF trades at the lower trailing earnings multiple (10.10 vs 11.84 P/E), one valuation lens rather than an overall verdict.
- •CHMG converts more revenue to profit (24.21% vs 17.71% net margin).
- •MVBF grew revenue faster over the past five years (16.76% vs 9.02% CAGR).
- •MVBF pays the higher dividend yield (2.27% vs 1.68%).
Metrics side by side
Valuation
| Metric | CHMG | MVBF |
|---|---|---|
| P/E ratio | 11.84 | 10.10 |
| Forward P/E | 10.83 | 15.15 |
| P/S ratio | 2.86 | 1.75 |
| P/B ratio | 1.46 | 1.12 |
Profitability
| Metric | CHMG | MVBF |
|---|---|---|
| Operating margin | 15.20% | 13.63% |
| Net margin | 24.21% | 17.71% |
| ROE | 12.41% | 11.26% |
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.
MVB Financial Corp.: 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 | MVBF |
|---|---|---|
| Dividend yield | 1.68% | 2.27% |
| Payout ratio | 19.88% | 22.97% |
Growth (annualized)
| Metric | CHMG | MVBF |
|---|---|---|
| Revenue CAGR (5Y) | 9.02% | 16.76% |
| EPS CAGR (5Y) | -4.84% | -7.58% |
| Total return CAGR (5Y) | 15.25% | -4.48% |
Frequently asked
- Which has the lower trailing P/E, CHMG or MVBF?
- MVBF has the lower trailing P/E: CHMG trades at 11.84 and MVBF at 10.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CHMG or MVBF?
- Over the past five years, MVBF grew revenue faster — CHMG at a 9.02% CAGR versus MVBF at 16.76%.
- Does CHMG or MVBF pay a bigger dividend?
- CHMG yields 1.68% and MVBF yields 2.27% based on trailing dividends and the latest price.
- Is CHMG or MVBF more profitable?
- CHMG runs the higher net margin — CHMG at 24.21% versus MVBF at 17.71%.
- How have CHMG and MVBF total returns compared?
- Over the past 10 years, CHMG delivered 13.94% and MVBF delivered 11.36% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Chemung Financial & MVB Financial 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.