Community Heritage Financial (CMHF) AI Stock Analysis

Community Heritage Financial

(Other OTC:CMHF)

Select Model

Rating:67Neutral

Price Target:$45.00▲(7.66% 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 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.

Negative Factors

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.

Community Heritage Financial (CMHF) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $123.23M
Dividend Yield: 0.77%
Average Volume (3M): 5,009
Price to Earnings (P/E): 14.8
Beta (1Y): 0.10
Revenue Growth: 3.22%
EPS Growth: 2.58%
Country: US
Employees: 174
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, and t...

Community Heritage Financial Financial Statement Overview

Summary

Income statement trends improved in 2025 with revenue up 14.3% and higher profitability (net margin 14.3%, operating margin 19.1%). Cash generation also strengthened in 2025 with higher operating cash flow and free cash flow, broadly supporting earnings quality. Offsetting this, the balance sheet shows a notable 2025 leverage increase (debt-to-equity up to 0.62), and there is historical volatility/anomalies (notably 2020 cash flow weakness and distorted 2023 profitability line items) that raise consistency risk.

Income Statement

74Positive

Balance Sheet

61Positive

Cash Flow

58Neutral

Financial statement breakdown
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	10.17M	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	11.04M	5.72M	8.17M	8.40M	12.14M
Operating Cash Flow	0	12.70M	6.03M	8.50M	9.89M	14.38M
Investing Cash Flow	0	-92.23M	-28.46M	-61.72M	-148.41M	-132.00M
Financing Cash Flow	0	93.73M	22.28M	54.50M	112.66M	130.09M

Community Heritage Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CMHF against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	73Outperform	$90.83M	11.96	7.58%	1.70%	3.80%	43.33%
BOTJ	69Neutral	$107.95M	8.97	14.94%	1.68%	7.06%	52.33%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CMHF	67Neutral	$123.23M	14.82	9.24%	0.77%	3.22%	2.58%
BYFC	51Neutral	$106.33M	-4.23	-7.74%	―	10.60%	-935.88%
FNWB	44Neutral	$97.30M	-1100.00	-0.03%	―	-6.23%	99.73%

* Financial Sector Average

Performance Comparison

CMHF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CMHF	Community Heritage Financial	41.80	13.26	46.47%
BOTJ	Bank Of The James Financial Group, Inc.	23.76	7.07	42.39%
BYFC	Broadway Financial	11.46	5.06	79.06%
FUSB	First Us Bancshares	16.50	3.49	26.82%
FNWB	First Northwest Bancorp	10.23	1.23	13.67%

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.

Date of analysis: Aug 06, 2026

Community Heritage Financial AI Stock Analysis