Chemung Financial (CHMG) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in Chemung Financial (CHMG) ten years ago, at the end of Oct 2016, was worth $39,555 at the end of Oct 2026 with every dividend reinvested: 14.7% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $57,399 reinvested (9.7% a year), or $38,314 taking the dividends as cash, $7,558 of it paid out along the way.
CHMG became
$57,399
S&P 500: $72,756
Return a year
9.7%
S&P 500: 11.1%
Payouts reinvested
$11,013
bought more shares
Worst drop
-50.8%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | CHMG total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +57.1% | $710 | +11.7% |
| 2025 | +17.3% | $846 | +17.7% |
| 2024 | +0.7% | $804 | +24.9% |
| 2023 | +11.7% | $757 | +26.2% |
| 2022 | +1.6% | $765 | −18.2% |
| 2021 | +40.5% | $704 | +28.7% |
| 2020 | −17.1% | $643 | +18.3% |
| 2019 | +5.3% | $566 | +31.2% |
| 2018 | −12.1% | $565 | −4.6% |
| 2017 | +35.7% | $562 | +21.7% |
| 2016 | +36.8% | $531 | +12.0% |
| 2015 | +3.3% | $529 | +1.2% |
| 2014 | −16.1% | $473 | +13.5% |
| 2013 | +18.1% | $507 | +32.3% |
| 2012 | +36.9% | $449 | +16.0% |
| 2011 | +5.3% | $428 | +1.9% |
| 2010 | +15.5% | $420 | +15.1% |
| 2009 | +9.0% | $477 | +26.4% |
| 2008 | −26.6% | $276 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: CHMG total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Chemung Financial (CHMG) at the end of Dec 2007, with dividends reinvested, was worth $57,399 at the end of Oct 2026: 9.7% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, CHMG turned $10,000 into $39,555 with dividends reinvested, 14.7% a year.
- Over the 5 years to Oct 2026, CHMG returned 16.3% a year with dividends reinvested (S&P 500: 12.0%).
- Taking CHMG's dividends as cash instead of reinvesting them, the same $10,000 ended at $38,314, including $7,558 of cash received; reinvesting added $19,085.
- CHMG's best calendar year in that time was 2021 (40.5%) and its worst 2008 (-26.6%), with dividends reinvested.
Cite this page
SmarterDividends, "Chemung Financial (CHMG) Total Return Calculator," updated Nov 9, 2026, https://smarterdividends.com/stocks/CHMG/total-return
CHMG total return questions
If I invested $10,000 in CHMG 10 years ago, how much would I have?
About $39,555 at the end of Oct 2026, with every dividend reinvested: 14.7% a year. Taking them as cash, you'd have shares worth $30,270 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is CHMG's total return since Dec 2007?
474% in total, or 9.7% a year, through Oct 2026 with dividends reinvested. The share price alone rose 208%.
How much of CHMG's return came from dividends?
About 37% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $19,085 better off on a $10,000 start.
What was CHMG's worst year?
2008, at -26.6% with dividends reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -50.8%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.