CHMG vs HBCYF: Which Is the Better Dividend Stock?
As of Nov 9, 2026, CHMG (Chemung Financial Corporation) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HBCYF offers the higher yield at 2.29%, CHMG has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 40% above its share price).
Key facts: CHMG vs HBCYF
Data as of · Source: SmarterDividends data
- As of Nov 9, 2026, HSBC Holdings plc (HBCYF) has the higher forward dividend yield at 2.29%, versus 1.70% for Chemung Financial Corporation (CHMG).
- As of Nov 9, 2026, SmarterDividends grades CHMG's dividend safety A (97/100) and HBCYF's C (56/100).
- As of Nov 9, 2026, CHMG pays out 17% of its earnings as dividends and HBCYF pays out 54%.
- As of Nov 9, 2026, CHMG's fair-value estimate is 22% below its share price and HBCYF's fair-value estimate is 40% above its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "CHMG vs HBCYF: Dividend Yield, Safety & Value Compared," updated Nov 9, 2026, https://smarterdividends.com/compare/chmg-vs-hbcyf
| Metric | CHMG | HBCYF |
|---|---|---|
| Forward yield | 1.70% | 2.29% |
| Annual dividend | $1.44 | $0.40 |
| Payout ratio | 17% | 54% |
| Years of growth | 1 yr | 0 yr |
| 5-yr dividend growth | 4.9% | — |
| 5-yr total return | 79% | 214% |
| Dividend safety score | 97 (A) | 56 (C) |
| Fair value estimate | $65.91 | $24.43 |
| Upside to fair value | -22% | +40% |
| Frequency | quarterly | quarterly |
| Market cap | $408.7M | $298.7B |
| P/E ratio | 10.6 | 11.4 |
Higher yield
HBCYF
2.29%
Safer dividend
CHMG
Grade A
Faster growth
CHMG
4.9%
Better value
HBCYF
+40% upside
CHMG vs HBCYF — FAQ
Is CHMG or HBCYF a better dividend stock?
On the data, CHMG wins more head-to-head categories (4 vs 3). HBCYF offers the higher yield (2.29%), while CHMG has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, CHMG or HBCYF?
HBCYF has the higher forward dividend yield at 2.29%, versus 1.70% for CHMG.
Is CHMG or HBCYF safer?
CHMG has the higher dividend-safety score (97/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is CHMG or HBCYF better value right now?
As of Nov 9, 2026, HBCYF looks like the better value: its fair-value estimate is 40% above its share price (undervalued). For CHMG, its fair-value estimate is 22% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.