Community Heritage Financial (CMHF) AI Stock Analysis

• Market Cap: $55.72M
• Dividend Yield: 1.05%
• Average Volume (3M): 776.00
• Price to Earnings (P/E): 10.2
• Beta (1Y): -0.01
• Revenue Growth: 15.81%
• EPS Growth: 64.29%
• Country: US
• Employees: 174
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 2.42
• Shares Outstanding: 2,251,320
• 10 Day Avg. Volume: 1,762
• 30 Day Avg. Volume: 776
• PEG Ratio: 0.94
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 59.88
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

Community Heritage Financial's overall score is driven by solid financial performance characterized by profitability and stable equity, despite challenges with revenue contraction and rising debt. The stock's valuation is attractive, with a low P/E ratio and a decent dividend yield. However, technical analysis indicates a neutral trend, reflecting some short-term uncertainty in price movements.

Community Heritage Financial Business Overview & Revenue Model

Company Description

Community Heritage Financial (CMHF) is a financial services company operating primarily in the banking and financial sectors. The company offers a range of products and services including personal and business banking solutions, mortgage lending, and investment services. CMHF is committed to serving the financial needs of its community by providing personalized and accessible financial solutions.

How the Company Makes Money

Community Heritage Financial (CMHF) generates revenue through multiple streams, primarily from interest income on loans and mortgages offered to individuals and businesses. The company also earns money through service fees associated with account maintenance, transaction processing, and financial advisory services. Additionally, CMHF may benefit from investment income derived from its own portfolio of investments. Strategic partnerships with financial institutions and local businesses further enhance its revenue potential by expanding its service reach and customer base.

Community Heritage Financial Financial Statement Overview

Summary

Community Heritage Financial shows robust profitability with strong gross profit and net income margins. The stable equity position and efficient use of equity capital are positive, but revenue contraction and rising debt pose challenges. Cash conversion is good, though free cash flow growth needs improvement.

Income Statement

Community Heritage Financial shows a robust gross profit margin and consistent net income generation. However, the recent decline in total revenue impacts its revenue growth rate negatively. Despite this, the company maintains strong EBIT and EBITDA margins.

Balance Sheet

The company's equity position is solid, indicated by a reasonable debt-to-equity ratio. Return on equity is commendable, reflecting efficient use of equity capital. The equity ratio suggests a stable financial structure, but rising debt levels are a concern.

Cash Flow

Operating cash flow to net income ratio indicates good cash conversion from earnings. Nevertheless, free cash flow growth has been inconsistent, and free cash flow to net income ratio highlights potential inefficiencies in converting income to cash.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
46.75M	30.13M	36.23M	34.09M	32.43M	24.93M
	Gross Profit
47.03M	46.75M	36.23M	34.09M	32.43M	24.93M
	EBIT
7.54M	6.32M	9.89M	8.65M	5.99M	3.73M
	EBITDA
-744.70K	-639.08K	10.65M	9.47M	6.90M	-439.56K
	Net Income Common Stockholders
5.14M	4.30M	6.86M	6.02M	4.13M	2.63M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.62M	16.66M	15.39M	41.26M	28.79M	25.07M
	Total Assets
282.90M	990.57M	932.09M	819.33M	689.58M	518.56M
	Total Debt
0.00	29.93M	17.75M	19.01M	25.94M	18.00M
	Net Debt
-15.62M	13.27M	2.36M	-22.25M	-2.85M	-7.07M
	Total Liabilities
22.50K	919.34M	864.95M	762.37M	636.62M	469.92M
	Stockholders Equity
25.12M	71.23M	67.14M	56.95M	52.96M	48.63M
Cash Flow		Free Cash Flow
2.29M	8.17M	8.40M	12.14M	-2.22M	1.02M
	Operating Cash Flow
2.29M	8.50M	9.89M	14.38M	-1.73M	2.35M
	Investing Cash Flow
0.00	-61.72M	-148.41M	-132.00M	-155.32M	-67.67M
	Financing Cash Flow
0.00	54.50M	112.66M	130.09M	160.76M	71.84M

Community Heritage Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CMHF, the sentiment is Positive. The current price of 24.75 is above the 20-day moving average (MA) of 24.38, above the 50-day MA of 24.15, and above the 200-day MA of 22.67, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 56.16 is Neutral, neither overbought nor oversold. The STOCH value of 67.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CMHF.

Community Heritage Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	76 Outperform	$40.91M	12.03	6.24%	3.98%	-2.69%	-21.26%
CMHF	66 Neutral	$55.72M	10.21	9.24%	1.05%	15.81%	64.29%
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%
BAFN	63 Neutral	$61.07M	6.62	10.87%	2.04%	8.22%	112.31%
CFSB	60 Neutral	$89.13M	―	>-0.01%	―	13.69%	77.14%
TCBS	48 Neutral	$47.40M	23.26	3.88%	1.03%	19.16%	―