BAC vs CHMG: Which Is the Better Dividend Stock?
As of September 2026, CHMG (Chemung Financial Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BAC offers the higher yield at 2.15%, CHMG has the higher dividend-safety score, and CHMG trades at the larger discount to fair value (+125%).
| Metric | BAC | CHMG |
|---|---|---|
| Forward yield | 2.15% | 1.70% |
| Annual dividend | $1.28 | $1.44 |
| Payout ratio | 26% | 20% |
| Years of growth | 12 yr | 1 yr |
| 5-yr dividend growth | 8.4% | 4.9% |
| 5-yr total return | 48% | 88% |
| Dividend safety score | 86 (A) | 97 (A) |
| Fair value estimate | $91.51 | $191.78 |
| Upside to fair value | +46% | +125% |
| Frequency | quarterly | quarterly |
| Market cap | $416.2B | $410.9M |
| P/E ratio | 13.7 | 12.2 |
Higher yield
BAC
2.15%
Safer dividend
CHMG
Grade A
Faster growth
BAC
8.4%
Better value
CHMG
+125% upside
BAC vs CHMG — FAQ
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