What if you'd held CHMG?
A $1,000 investment in Chemung Financial Corp (CHMG) at the month-end close of 1999-01 would be worth $7,257 at the close of 2026-08 — +625.7% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,024.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1999
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1999 | $1,000 | — |
| 2000 | $798 | -20.2% |
| 2001 | $1,260 | +57.9% |
| 2002 | $1,202 | -4.6% |
| 2003 | $1,693 | +40.8% |
| 2004 | $1,548 | -8.6% |
| 2005 | $1,506 | -2.7% |
| 2006 | $1,612 | +7.0% |
| 2007 | $1,458 | -9.5% |
| 2008 | $1,071 | -26.6% |
| 2009 | $1,165 | +8.8% |
| 2010 | $1,346 | +15.5% |
| 2011 | $1,417 | +5.3% |
| 2012 | $1,941 | +36.9% |
| 2013 | $2,292 | +18.1% |
| 2014 | $1,923 | -16.1% |
| 2015 | $1,986 | +3.3% |
| 2016 | $2,718 | +36.8% |
| 2017 | $3,688 | +35.7% |
| 2018 | $3,243 | -12.1% |
| 2019 | $3,414 | +5.3% |
| 2020 | $2,829 | -17.1% |
| 2021 | $3,977 | +40.6% |
| 2022 | $4,039 | +1.6% |
| 2023 | $4,512 | +11.7% |
| 2024 | $4,545 | +0.7% |
| 2025 | $5,330 | +17.3% |
| 2026 | $7,888 | +48.0% |
Best and worst month-end to buy
The best single month-end close to have bought CHMG was 2000-03 ($8.17): $1,000 then is $9,993 today. The worst was 2026-08 ($81.64): $1,000 then is $1,000.
FAQ
What would $1,000 in CHMG be worth today?
A $1,000 investment in Chemung Financial Corp (CHMG) at the start of 1999 would be worth about $7,257 today, a total return of +625.7%. Dividends are reinvested in these figures.
What were the best and worst years for CHMG?
Chemung Financial Corp (CHMG)'s strongest calendar year since 1999 was 2001, a +57.9% return — $1,000 held through that year became about $1,579 by year-end. Its weakest year was 2008, at -26.6%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CHMG have grown?
Investing $100 at the end of every month since 1999-01 would have grown to about $150,189 on $33,200 invested.
Did CHMG beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,024. CHMG beat the S&P 500 by +20.5% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Chemung Financial Corp (CHMG) historical total-return data from 1999-01 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.