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CMHF Stock Chart & Stats
$27.35
$0.00(0.00%)
At close: 4:00 PM EST
$27.35
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$25.47 - $42.00
Previous CloseN/A
Volume902.00
Average Volume (3M)1.05K
Market Cap
$94.56M
Enterprise Value$51.34
Total Cash (Recent Filing)$41.12M
Total Debt (Recent Filing)$59.04M
Price to Earnings (P/E)20.3
Beta0.08
Next Earnings
Oct 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.76%
Share Statistics
EPS (TTM)3.28
Shares Outstanding2,251,320
10 Day Avg. Volume1,224
30 Day Avg. Volume1,049
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 & Margin RecoveryRe-accelerating revenue and expanding margins through 2025 indicate improving core banking performance and stronger fee/interest income dynamics. Sustained top-line momentum and margin expansion support durable earnings power, providing internal funding for growth and capital needs over the medium term.
Solid Cash GenerationFree cash flow that consistently tracks net income and a material 2025 improvement demonstrates real cash earnings conversion. That persistent cash generation enhances financial flexibility, funds dividends/loans, and supports reinvestment without heavy reliance on external funding across a multi-quarter horizon.
Stronger Equity BaseRising shareholders' equity provides a thicker capital buffer to absorb losses and underpin balance-sheet growth. An acceptable ROE near 10% shows the franchise earns returns on capital, helping sustain lending and strategic initiatives while meeting regulatory capital expectations over the medium term.
Bears Say
Rising LeverageA material step-up in leverage in 2025 weakens balance-sheet resilience and increases sensitivity to funding cost shifts or credit stress. For a regional bank, higher debt levels reduce cushion for loan losses, may constrain capital actions, and can invite closer regulatory and investor scrutiny over the coming quarters.
Cash Flow VolatilityHistoric swings in operating and free cash flow undermine predictability of internal funding and capital allocation. Even with a 2025 rebound, inconsistent cash profiles increase rollover and provisioning risk, making sustained dividend policies, credit growth, and stress planning more challenging across economic cycles.
Earnings Consistency RiskAccounting or reporting anomalies in 2023 reduce confidence in the sustainability of reported profits and complicate trend analysis. Persistent inconsistencies impair forecasting accuracy, could mask one-off items, and make it harder to assess core operating performance for medium-term planning and investor assessment.
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 $25.47 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 $94.56M.
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 92 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, missing the consensus estimate of N/A by N/A.
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 2,251,320 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, missing expectations of N/A. Following the earnings report the stock price went down -0.867%.
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
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
43.81%
12-Months-Change
Fundamentals
Return on Equity
0.76%
Trailing 12-Months
Asset Growth
9.01%
Trailing 12-Months
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
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Ownership Overview
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Insiders
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Mutual Funds
11.30% Other Institutional Investors
88.70% Public Companies and
Individual Investors