CHMG vs WSBF
Comparison between Chemung Financial Corp (CHMG, Company) and Waterstone Financial Inc (WSBF, Company).
Both CHMG and WSBF are from the Financial Services sector.
5-Year PerformanceCHMG has outperformed WSBF, delivering a return of +13.7% compared to +5.8%
CHMG vs WSBF - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
CHMG vs WSBF - Historical Returns
Returns include dividend reinvestment.
CHMG vs WSBF - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | CHMG | WSBF |
|---|---|---|
| 2026 | +40.27% | +25.95% |
| 2025 | +20.27% | +32.10% |
| 2024 | +0.43% | +0.08% |
| 2023 | +12.85% | -14.51% |
| 2022 | +3.83% | -16.42% |
| 2021 | +40.45% | +24.78% |
| 2020 | -16.42% | +7.67% |
| 2019 | +3.75% | +20.35% |
| 2018 | -14.18% | +3.40% |
| 2017 | +38.89% | -3.47% |
| 2016 | +35.58% | +34.85% |
| 2015 | +2.58% | +9.96% |
| 2014 | -13.22% | +32.45% |
| 2013 | +16.28% | +36.87% |
| 2012 | +31.29% | +306.26% |
| 2011 | +6.93% | -42.02% |
| 2010 | +10.31% | +37.71% |
| 2009 | +6.19% | -40.41% |
| 2008 | -26.47% | -73.41% |
| 2007 | -11.08% | -27.94% |
| 2006 | +8.38% | +54.15% |
| 2005 | -2.74% | +1.69% |
| 2004 | -4.97% | N/A |
| 2003 | +42.07% | N/A |
| 2002 | -4.59% | N/A |
| 2001 | +55.66% | N/A |
| 2000 | -17.46% | N/A |
| 1999 | +0.82% | N/A |
CHMG vs WSBF Drawdown Comparison
The maximum drawdown for CHMG was -55.13%, occurring on Mar 16, 2020. Recovery took 1162 trading sessions.
The maximum drawdown for WSBF was -90.63%, occurring on Dec 17, 2009. Recovery took 2492 trading sessions.
| Rank | CHMG | WSBF |
|---|---|---|
| #1 | -55.13% Dec 18, 2017 - Aug 2, 2022 | -90.63% Sep 18, 2006 - Aug 11, 2016 |
| #2 | -51.75% Dec 24, 2003 - Dec 10, 2012 | -51.09% Jan 6, 2022 - Jan 22, 2026 |
| #3 | -34.59% Feb 2, 2023 - Jul 17, 2024 | -33.12% Dec 17, 2019 - Nov 16, 2020 |
| #4 | -28.00% Dec 30, 1999 - Jun 26, 2001 | -16.14% Oct 27, 2017 - Oct 24, 2019 |
| #5 | -25.12% Dec 6, 2024 - Aug 28, 2025 | -11.30% Jun 9, 2017 - Sep 27, 2017 |
| #6 | -22.82% Jan 21, 2014 - May 24, 2016 | -10.58% Oct 6, 2005 - Nov 30, 2005 |
| #7 | -20.63% Feb 9, 2026 - Apr 20, 2026 | -8.79% Dec 9, 2016 - Feb 16, 2017 |
| #8 | -17.56% Dec 6, 2001 - May 16, 2003 | -8.59% Feb 16, 2017 - Apr 24, 2017 |
| #9 | -15.92% May 25, 2016 - Dec 5, 2016 | -7.97% Jun 30, 2006 - Aug 29, 2006 |
| #10 | -14.19% Aug 2, 2022 - Jan 20, 2023 | -7.19% Jan 22, 2026 - Jan 29, 2026 |
| #11 | -13.86% Oct 18, 2013 - Jan 21, 2014 | -7.18% Apr 12, 2021 - Aug 6, 2021 |
| #12 | -13.03% Jul 17, 2024 - Nov 6, 2024 | -6.98% Feb 2, 2026 - Apr 9, 2026 |
| #13 | -11.46% Jun 27, 2013 - Sep 20, 2013 | -6.33% May 3, 2017 - Jun 9, 2017 |
| #14 | -10.94% Dec 21, 2016 - Feb 13, 2017 | -6.07% Nov 12, 2021 - Jan 4, 2022 |
| #15 | -10.93% Dec 18, 2025 - Jan 30, 2026 | -5.91% Jan 14, 2021 - Feb 10, 2021 |
Correlation
Correlation between CHMG and WSBF is 0.87 which considered as a strong positive correlation - the stocks tend to move together.
Dividend Comparison (1999 - 2026)
CHMG vs WSBF dividend yield comparison.
| Year | CHMG | WSBF |
|---|---|---|
| 2026 | 0.90% | 1.57% |
| 2025 | 2.37% | 3.63% |
| 2024 | 2.54% | 4.46% |
| 2023 | 2.49% | 5.28% |
| 2022 | 2.70% | 7.54% |
| 2021 | 2.56% | 5.95% |
| 2020 | 3.06% | 6.80% |
| 2019 | 2.45% | 5.15% |
| 2018 | 2.52% | 5.85% |
| 2017 | 2.16% | 5.75% |
| 2016 | 2.86% | 1.41% |
| 2015 | 3.78% | 1.42% |
| 2014 | 3.76% | 1.14% |
| 2013 | 3.04% | 0.00% |
| 2012 | 3.35% | 0.00% |
| 2011 | 4.41% | 0.00% |
| 2010 | 4.44% | 0.00% |
| 2009 | 6.11% | 0.00% |
| 2008 | 3.75% | 0.00% |
| 2007 | 3.46% | 0.00% |
| 2006 | 3.00% | 0.00% |
| 2005 | 3.11% | 0.00% |
| 2004 | 2.84% | 0.00% |
| 2003 | 2.49% | 0.00% |
| 2002 | 3.41% | 0.00% |
| 2001 | 3.08% | 0.00% |
| 2000 | 4.47% | 0.00% |
| 1999 | 0.86% | 0.00% |
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