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Community Heritage Financial Inc (CMHF)
OTHER OTC:CMHF
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CMHF
Community Heritage Financial
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Community Heritage Financial (CMHF) Ratios

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Community Heritage Financial Ratios

CMHF's free cash flow for Q2 2026 was $0.53. For the 2026 fiscal year, CMHF's free cash flow was decreased by $ and operating cash flow was $-0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 50.31 0.02 0.02 0.03
Quick Ratio
 0.00 50.31 0.02 0.02 0.05
Cash Ratio
 0.00 45.30 0.02 0.02 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 >-0.01 <0.01
Operating Cash Flow Ratio
 0.00 18.74 <0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 18.74 12.62 15.35 18.22
Net Current Asset Value
$ -1.03B$ -1.01B$ -923.41M$ -900.73M$ -846.94M
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.05 0.03 0.04 0.02
Debt-to-Equity Ratio
 0.25 0.62 0.37 0.50 0.26
Debt-to-Capital Ratio
 0.20 0.38 0.27 0.33 0.21
Long-Term Debt-to-Capital Ratio
 0.16 0.34 0.25 0.30 0.18
Financial Leverage Ratio
 13.46 12.71 12.93 13.91 13.88
Debt Service Coverage Ratio
 0.30 0.47 0.34 -0.11 1.50
Interest Coverage Ratio
 0.39 0.57 0.38 0.33 1.88
Debt to Market Cap
 0.18 0.58 0.39 0.63 0.32
Interest Debt Per Share
 14.49 25.84 17.85 18.15 9.41
Net Debt to EBITDA
 -6.76 1.91 1.22 -29.29 0.22
Profitability Margins
Gross Profit Margin
62.85%63.78%58.69%155.18%84.38%
EBIT Margin
13.72%19.15%15.40%18.86%25.71%
EBITDA Margin
13.72%21.26%17.88%-2.12%29.38%
Operating Profit Margin
13.72%19.15%15.40%18.86%25.53%
Pretax Profit Margin
13.72%19.15%15.40%18.86%25.71%
Net Profit Margin
10.34%14.30%11.57%14.26%18.92%
Continuous Operations Profit Margin
10.34%14.30%11.57%14.26%18.92%
Net Income Per EBT
75.34%74.71%75.09%75.59%73.57%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.71%
Return on Assets (ROA)
0.51%0.77%0.65%0.43%0.74%
Return on Equity (ROE)
6.82%9.74%8.39%6.03%10.21%
Return on Capital Employed (ROCE)
0.67%1.03%4.32%2.25%4.04%
Return on Invested Capital (ROIC)
0.51%0.76%3.26%1.71%2.96%
Return on Tangible Assets
0.51%0.77%0.65%0.43%0.74%
Earnings Yield
4.99%10.99%9.47%8.82%14.32%
Efficiency Ratios
Receivables Turnover
 16.16 17.81 18.18 10.13 13.85
Payables Turnover
 0.00 0.00 47.46 -36.25 20.76
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.27
Fixed Asset Turnover
 5.11 5.29 7.54 3.46 3.66
Asset Turnover
 0.05 0.05 0.06 0.03 0.04
Working Capital Turnover Ratio
 0.94 -0.16 -0.08 -0.04 -0.06
Cash Conversion Cycle
 22.59 20.50 12.39 46.08 -1.33K
Days of Sales Outstanding
 22.59 20.50 20.08 36.02 26.36
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -1.34K
Days of Payables Outstanding
 0.00 0.00 7.69 -10.07 17.58
Operating Cycle
 22.59 20.50 20.08 36.02 -1.31K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 4.34 2.07 2.92 4.11
Free Cash Flow Per Share
 0.00 3.77 1.96 2.81 3.49
CapEx Per Share
 0.00 0.57 0.11 0.12 0.62
Free Cash Flow to Operating Cash Flow
 0.00 0.87 0.95 0.96 0.85
Dividend Paid and CapEx Coverage Ratio
 0.00 4.88 5.97 8.23 5.29
Capital Expenditure Coverage Ratio
 0.00 7.64 19.43 25.42 6.66
Operating Cash Flow Coverage Ratio
 0.00 0.23 0.21 0.24 0.56
Operating Cash Flow to Sales Ratio
 0.00 0.21 0.11 0.28 0.27
Free Cash Flow Yield
0.00%14.01%8.17%16.77%17.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 19.90 9.09 10.57 11.34 6.98
Price-to-Sales (P/S) Ratio
 1.58 1.30 1.22 1.62 1.32
Price-to-Book (P/B) Ratio
 1.37 0.89 0.89 0.68 0.71
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 7.14 12.24 5.96 5.70
Price-to-Operating Cash Flow Ratio
 0.00 6.20 11.61 5.73 4.84
Price-to-Earnings Growth (PEG) Ratio
 -0.79 0.30 0.20 -0.24 1.04
Price-to-Fair Value
 1.37 0.89 0.89 0.68 0.71
Enterprise Value Multiple
 4.77 8.03 8.05 -105.49 4.72
Enterprise Value
 38.38M 103.29M 82.50M 67.42M 50.24M
EV to EBITDA
 4.77 8.03 8.05 -105.49 4.72
EV to Sales
 0.66 1.71 1.44 2.24 1.39
EV to Free Cash Flow
 0.00 9.36 14.43 8.26 5.98
EV to Operating Cash Flow
 0.00 8.13 13.68 7.93 5.08
Tangible Book Value Per Share
 29.56 29.78 26.53 24.60 27.19
Shareholders’ Equity Per Share
 30.13 30.34 27.10 24.50 27.88
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.25 0.24 0.26
Revenue Per Share
 19.88 20.66 19.65 10.36 15.04
Net Income Per Share
 2.06 2.96 2.27 1.48 2.85
Tax Burden
 0.75 0.75 0.75 0.76 0.74
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.34 0.30 0.03 0.03 0.02
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 1.47 0.91 1.98 1.44
Currency in USD