Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.68%.
YIELD ON COST (YOC)
1.68%
CHMG now pays $1.38 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-09-29) | $28.57 | 4.83% |
| 5 years ago(2021-10-07) | $45.36 | 3.04% |
| 3 years ago(2023-10-10) | $40.24 | 3.43% |
| 1 year ago(2025-10-02) | $52.35 | 2.64% |
| Buying today(at $82.39) | $82.39 | 1.68% |
Projection: starting from today's 1.68% yield, assuming the dividend keeps compounding at 2.7% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.68%
In 3 years
1.82%
In 5 years
1.92%
In 10 years
2.18%
Try your own purchase price, dividend and growth rate for Chemung Financial Corporation (CHMG).
Starting Yield
1.67%
Ending YOC
3.42%
Year 15 Dividend
$2.82
Cum. Dividends Recd.
$30.95
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.38 | N/A | 1.67% | $0.00 |
| Year 1 | $1.45 | +4.88% | 1.76% | $1.45 |
| Year 2 | $1.52 | +4.88% | 1.84% | $2.97 |
| Year 3 | $1.59 | +4.88% | 1.93% | $4.56 |
| Year 4 | $1.67 | +4.88% | 2.03% | $6.23 |
| Year 5 | $1.75 | +4.88% | 2.13% | $7.98 |
| Year 6 | $1.84 | +4.88% | 2.23% | $9.82 |
| Year 7 | $1.93 | +4.88% | 2.34% | $11.74 |
| Year 8 | $2.02 | +4.88% | 2.45% | $13.76 |
| Year 9 | $2.12 | +4.88% | 2.57% | $15.88 |
| Year 10 | $2.22 | +4.88% | 2.70% | $18.10 |
| Year 11 | $2.33 | +4.88% | 2.83% | $20.43 |
| Year 12 | $2.44 | +4.88% | 2.97% | $22.88 |
| Year 13 | $2.56 | +4.88% | 3.11% | $25.44 |
| Year 14 | $2.69 | +4.88% | 3.26% | $28.13 |
| Year 15 | $2.82 | +4.88% | 3.42% | $30.95 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
