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CMHF Stock Chart & Stats
$40.75
-$0.52(-1.24%)
At close: 4:00 PM EDT
$40.75
-$0.52(-1.24%)
Day’s Range― - ―
52-Week Range$26.05 - $42.00
Previous CloseN/A
Volume715.00
Average Volume (3M)1.20K
Market Cap
$118.37M
Enterprise Value$51.34
Total Cash (Recent Filing)$76.65M
Total Debt (Recent Filing)$22.28M
Price to Earnings (P/E)19.9
Beta0.09
Next Earnings
Oct 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.76%
Share Statistics
EPS (TTM)2.07
Shares Outstanding2,948,143
10 Day Avg. Volume50
30 Day Avg. Volume1,197
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)0.89
Price to Sales (P/S)1.30
P/FCF Ratio7.14
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue And Margin RecoveryRe-accelerating revenue and expanding operating and net margins in 2025 reflect renewed top-line momentum and improving operating leverage. These trends support sustainable profitability and cash generation over the medium term, strengthening core earnings quality for 2–6 months.
Stronger Free Cash FlowConsistent free cash flow roughly tracking net income and a large year-over-year FCF improvement in 2025 indicate durable cash conversion. Reliable cash generation supports capital returns, loan funding and debt servicing, underpinning the firm’s financial flexibility over coming quarters.
Growing Equity Base And Acceptable ROEA materially larger equity base enhances capital capacity for lending and regulatory cushions, while a near-10% ROE shows reasonable capital efficiency for a regional bank. Together these factors support sustainable growth potential and resilience to shocks.
Bears Say
Rising LeverageA sharp increase in debt and a notable step-up in debt/equity raise funding and interest-rate sensitivity for a regional bank. Higher leverage can constrain future lending flexibility, increase capital pressure under stress, and reduce margin of safety over the medium term.
Cash-flow Volatility Over CycleHistorical swings, including a negative cash-flow year and multi-year uneven FCF trends, weaken predictability of internal funding. This volatility complicates forecasting, heightens refinancing risk in adverse cycles, and limits reliability of dividends or rapid capital deployment.
Historical Statement Anomalies Weakening ComparabilityUnusual 2023 accounting distortions and inconsistent line-item presentation reduce comparability and raise earnings-quality questions. These anomalies increase diligence needs and shorten the investor confidence horizon when projecting sustainable earnings and credit metrics.
Community Heritage Financial News
CMHF FAQ
What was Community Heritage Financial Inc’s price range in the past 12 months?
Community Heritage Financial Inc lowest stock price was $26.05 and its highest was $42.00 in the past 12 months.
What is Community Heritage Financial Inc’s market cap?
Community Heritage Financial Inc’s market cap is $118.37M.
When is Community Heritage Financial Inc’s upcoming earnings report date?
Community Heritage Financial Inc’s upcoming earnings report date is Oct 27, 2026 which is in 47 days.
How were Community Heritage Financial Inc’s earnings last quarter?
Community Heritage Financial Inc released its earnings results on Jul 23, 2026. The company reported -$0.373 earnings per share for the quarter.
Is Community Heritage Financial Inc overvalued?
According to Wall Street analysts Community Heritage Financial Inc’s price is currently Overvalued.
Does Community Heritage Financial Inc pay dividends?
Community Heritage Financial Inc pays a Quarterly dividend of $0.08 which represents an annual dividend yield of 0.76%. See more information on Community Heritage Financial Inc dividends here
What is Community Heritage Financial Inc’s EPS estimate?
Community Heritage Financial Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Community Heritage Financial Inc have?
Community Heritage Financial Inc has 2,948,143 shares outstanding.
What happened to Community Heritage Financial Inc’s price movement after its last earnings report?
Community Heritage Financial Inc reported an EPS of -$0.373 in its last earnings report. Following the earnings report the stock price went down -0.866%.
Which hedge fund is a major shareholder of Community Heritage Financial Inc?
Currently, no hedge funds are holding shares in CMHF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Community Heritage Financial Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
44.83%
12-Months-Change
Fundamentals
Return on Equity
0.76%
Trailing 12-Months
Asset Growth
9.04%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Community Heritage Financial Inc
Operating via its various subsidiaries, Community Heritage Financial, Inc. offers comprehensive retail and commercial banking solutions, serving both private clients and corporate entities across Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. Its operational structure is bifurcated into two core divisions: Commercial Banking and Mortgage Banking. The Commercial Banking unit furnishes a diverse array of lending products, encompassing commercial, property, installment, and personal loans, alongside various other forms of corporate finance. Furthermore, it manages a selection of deposit vehicles, such as checking accounts, savings accounts, term deposits, and certificates of deposit. Meanwhile, the Mortgage Banking division principally focuses on creating residential mortgage loans, which are then divested into the broader secondary market. Beyond its banking functions, the institution also extends life insurance offerings. Its physical footprint consists of eight branches strategically positioned within Frederick and Washington Counties, Maryland. Established in 2018, the firm maintains its corporate headquarters in Middletown, Maryland.
Technical Analysis
Bank Of The Jame Financial
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NSTS Bancorp
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Ownership Overview
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Insiders
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Mutual Funds
8.63% Other Institutional Investors
91.37% Public Companies and
Individual Investors