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Community Heritage Financial
(OTC:CMHF)
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Rating:67Neutral
Price Target:
$45.00
▲(7.14% Upside)
Action:Downgraded
Date:08/06/26
The score is driven primarily by improving 2025 financial performance and cash generation, tempered by a meaningful increase in leverage and some historical statement volatility. Technicals are supportive with a strong uptrend, but overbought signals add near-term risk. Valuation is middling due to a moderate P/E and a low dividend yield.
Positive Factors
Revenue and margin recovery
Re-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.
Negative Factors
Rising leverage
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and margin recovery
Re-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.
Read all positive factors
Community Heritage Financial (CMHF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$120.14M
Dividend Yield0.75%
Average Volume (3M)1.05K
Price to Earnings (P/E)19.9
Beta (1Y)0.09
Revenue Growth0.71%
EPS Growth-25.72%
CountryUS
Employees174
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.07
Shares Outstanding2,948,143
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
Community Heritage Financial Business Overview & Revenue Model
Company Description
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, an...
Community Heritage Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
61
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 58.59M | 60.49M | 57.30M | 30.13M | 36.23M | 34.09M |
| Gross Profit | 36.82M | 38.58M | 33.63M | 46.75M | 30.57M | 30.80M |
| EBITDA | 8.04M | 12.86M | 10.24M | 7.12M | 10.65M | 9.47M |
| Net Income | 6.06M | 8.65M | 6.63M | 4.30M | 6.86M | 6.02M |
Balance Sheet | ||||||
| Total Assets | 1.19B | 1.13B | 1.02B | 990.57M | 932.09M | 819.33M |
| Cash, Cash Equivalents and Short-Term Investments | 76.65M | 30.71M | 16.51M | 16.66M | 15.39M | 41.26M |
| Total Debt | 22.28M | 55.23M | 29.03M | 35.38M | 17.75M | 19.01M |
| Total Liabilities | 1.11B | 1.04B | 943.07M | 917.40M | 864.95M | 762.37M |
| Stockholders Equity | 88.77M | 88.85M | 79.03M | 71.23M | 67.14M | 56.95M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 11.04M | 5.72M | 8.17M | 8.40M | 12.14M |
| Operating Cash Flow | 0.00 | 12.70M | 6.03M | 8.50M | 9.89M | 14.38M |
| Investing Cash Flow | 0.00 | -92.23M | -28.46M | -61.72M | -148.41M | -132.00M |
| Financing Cash Flow | 0.00 | 93.73M | 22.28M | 54.50M | 112.66M | 130.09M |
Community Heritage Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $121.40M | 10.62 | 14.30% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $90.77M | 12.11 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $120.14M | 19.93 | 10.98% | 0.76% | 0.71% | -25.72% | |
51 Neutral | $111.81M | -4.45 | -7.74% | ― | 10.60% | -935.88% | |
46 Neutral | $105.29M | 69.32 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
CMHF
Community Heritage Financial
40.75
13.23
48.05%
BOTJ
Bank Of The Jame Financial
26.86
11.71
77.29%
BYFC
Broadway Financial
12.05
4.04
50.40%
FUSB
First US Bancshares
16.35
4.15
33.97%
FNWB
First Northwest Bancorp
11.14
3.70
49.73%
NSTS
NSTS Bancorp
14.03
2.13
17.86%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.