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SAR vs CHMG

Comparison between Saratoga Investment Corp (SAR, Company) and Chemung Financial Corp (CHMG, Company).

Both SAR and CHMG are from the Financial Services sector.

5-Year PerformanceCHMG has outperformed SAR, delivering a return of +13.7% compared to +8.8%

SAR vs CHMG - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
SAR
$359M
Winner
CHMG
$359M
Max Drawdown
SAR
94.01%
Winner
CHMG
59.08%
Sharpe Ratio
SAR
0.23
Winner
CHMG
1.61
5Y Beta
Winner
SAR
0.52
CHMG
0.64
Industry
SAR
Asset Management
CHMG
Banks - Regional
P/E Ratio
Winner
SAR
9.57
CHMG
21.62
Forward P/E
SAR
11.05
Winner
CHMG
9.29
PEG Ratio
SAR
0.32
Winner
CHMG
0.00
Dividend Yield
Winner
SAR
13.50%
CHMG
1.80%
5Y Dividends CAGR
Winner
SAR
19.72%
CHMG
9.04%
5Y EPS CAGR
SAR
N/A
CHMG
5.63%
Debt to Equity
SAR
186.64%
Winner
CHMG
0.00%
Free Cash Flow Yield
SAR
-24.55%
Winner
CHMG
12.78%
P/S Ratio
Winner
SAR
2.86
CHMG
3.76
P/B Ratio
Winner
SAR
0.91
CHMG
1.36

SAR vs CHMG - Historical Returns

Returns include dividend reinvestment.

1M
SAR
+1.07%
Winner
CHMG
+9.04%
3M
SAR
+7.03%
Winner
CHMG
+39.35%
6M
SAR
+5.41%
Winner
CHMG
+38.37%
1Y
SAR
+6.93%
Winner
CHMG
+58.21%
5Y(CAGR)
SAR
+8.77%
Winner
CHMG
+13.72%
10Y(CAGR)
Winner
SAR
+14.10%
CHMG
+13.52%
Max(CAGR)
SAR
+5.77%
Winner
CHMG
+7.90%

SAR vs CHMG - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearSARCHMG
2026+5.41%+40.27%
2025+9.10%+20.27%
2024+6.50%+0.43%
2023+10.72%+12.85%
2022-4.08%+3.83%
2021+54.28%+40.45%
2020-10.77%-16.42%
2019+29.96%+3.75%
2018-2.27%-14.18%
2017+22.47%+38.89%
2016+48.92%+35.58%
2015+14.78%+2.58%
2014-3.24%-13.22%
2013+16.35%+16.28%
2012+56.12%+31.29%
2011-15.58%+6.93%
2010+26.49%+10.31%
2009+5.90%+6.19%
2008-67.73%-26.47%
2007-21.56%-11.08%
2006N/A+8.38%
2005N/A-2.74%
2004N/A-4.97%
2003N/A+42.07%
2002N/A-4.59%
2001N/A+55.66%
2000N/A-17.46%
1999N/A+0.82%

SAR vs CHMG Drawdown Comparison

The maximum drawdown for SAR was -90.54%, occurring on Nov 24, 2008. Recovery took 2410 trading sessions.

The maximum drawdown for CHMG was -55.13%, occurring on Mar 16, 2020. Recovery took 1162 trading sessions.

The current SAR drawdown is -2.10%.

RankSARCHMG
#1-90.54%
Jun 4, 2007 - Dec 27, 2016
-55.13%
Dec 18, 2017 - Aug 2, 2022
#2-69.89%
Feb 14, 2020 - Apr 5, 2021
-51.75%
Dec 24, 2003 - Dec 10, 2012
#3-28.49%
Jun 26, 2018 - Jul 26, 2019
-34.59%
Feb 2, 2023 - Jul 17, 2024
#4-25.99%
Oct 6, 2021 - Jan 10, 2023
-28.00%
Dec 30, 1999 - Jun 26, 2001
#5-15.50%
Feb 17, 2023 - May 24, 2023
-25.12%
Dec 6, 2024 - Aug 28, 2025
#6-15.19%
Jun 1, 2023 - Oct 9, 2024
-22.82%
Jan 21, 2014 - May 24, 2016
#7-14.36%
Apr 1, 2025 - May 6, 2025
-20.63%
Feb 9, 2026 - Apr 20, 2026
#8-13.85%
Sep 2, 2025 - Feb 2, 2026
-17.56%
Dec 6, 2001 - May 16, 2003
#9-13.25%
Jan 10, 2018 - May 15, 2018
-15.92%
May 25, 2016 - Dec 5, 2016
#10-12.48%
Mar 13, 2017 - Oct 23, 2017
-14.19%
Aug 2, 2022 - Jan 20, 2023
#11-11.73%
Mar 4, 2026 - May 1, 2026
-13.86%
Oct 18, 2013 - Jan 21, 2014
#12-8.61%
May 6, 2025 - May 27, 2025
-13.03%
Jul 17, 2024 - Nov 6, 2024
#13-7.64%
May 4, 2026 - May 11, 2026
-11.46%
Jun 27, 2013 - Sep 20, 2013
#14-7.37%
Feb 28, 2025 - Mar 27, 2025
-10.94%
Dec 21, 2016 - Feb 13, 2017
#15-7.20%
Mar 27, 2007 - May 29, 2007
-10.93%
Dec 18, 2025 - Jan 30, 2026

Correlation

Correlation between SAR and CHMG is 0.94 which considered as a very strong positive correlation - the stocks move almost identically together.

0.94
-101

Dividend Comparison (1999 - 2026)

SAR vs CHMG dividend yield comparison.

YearSARCHMG
20269.35%0.90%
202514.04%2.37%
202413.80%2.54%
202310.90%2.49%
202211.02%2.70%
20216.16%2.56%
20206.57%3.06%
20196.61%2.45%
201810.35%2.52%
201710.51%2.16%
20169.12%2.86%
201514.14%3.78%
20141.21%3.76%
201316.93%3.04%
201227.60%3.35%
201124.29%4.41%
201025.36%4.44%
2009103.69%6.11%
200862.99%3.75%
20079.66%3.46%
20060.00%3.00%
20050.00%3.11%
20040.00%2.84%
20030.00%2.49%
20020.00%3.41%
20010.00%3.08%
20000.00%4.47%
19990.00%0.86%

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