CHMG vs MA: Which Is the Better Dividend Stock?
As of Nov 9, 2026, CHMG and MA are closely matched. CHMG offers the higher yield at 1.70%, CHMG has the higher dividend-safety score, and CHMG looks like the better value (its fair-value estimate is 22% below its share price).
Key facts: CHMG vs MA
Data as of · Source: SmarterDividends data
- As of Nov 9, 2026, Chemung Financial Corporation (CHMG) has the higher forward dividend yield at 1.70%, versus 0.53% for Mastercard Incorporated (MA).
- As of Nov 9, 2026, SmarterDividends grades CHMG's dividend safety A (97/100) and MA's A (89/100).
- By SmarterDividends' count as of Nov 9, 2026, CHMG has raised its dividend for 1 consecutive years and MA for 14.
- As of Nov 9, 2026, CHMG pays out 17% of its earnings as dividends and MA pays out 18%.
- As of Nov 9, 2026, CHMG's fair-value estimate is 22% below its share price and MA's fair-value estimate is 24% below its share price, so CHMG looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "CHMG vs MA: Dividend Yield, Safety & Value Compared," updated Nov 9, 2026, https://smarterdividends.com/compare/chmg-vs-ma
| Metric | CHMG | MA |
|---|---|---|
| Forward yield | 1.70% | 0.53% |
| Annual dividend | $1.44 | $3.48 |
| Payout ratio | 17% | 18% |
| Years of growth | 1 yr | 14 yr |
| 5-yr dividend growth | 4.9% | 13.7% |
| 5-yr total return | 79% | 107% |
| Dividend safety score | 97 (A) | 89 (A) |
| Fair value estimate | $65.91 | $499.25 |
| Upside to fair value | -22% | -24% |
| Frequency | quarterly | quarterly |
| Market cap | $408.7M | $568.6B |
| P/E ratio | 10.6 | 34.2 |
Higher yield
CHMG
1.70%
Safer dividend
CHMG
Grade A
Faster growth
MA
13.7%
Better value
CHMG
-22% upside
CHMG vs MA — FAQ
Is CHMG or MA a better dividend stock?
CHMG and MA are closely matched. CHMG has the higher yield; CHMG scores better on safety.
Which has a higher dividend yield, CHMG or MA?
CHMG has the higher forward dividend yield at 1.70%, versus 0.53% for MA.
Is CHMG or MA safer?
CHMG has the higher dividend-safety score (97/100 vs 89/100), reflecting stronger payout coverage and dividend-growth history.
Is CHMG or MA better value right now?
As of Nov 9, 2026, CHMG looks like the better value: its fair-value estimate is 22% below its share price (overvalued). For MA, its fair-value estimate is 24% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.