Community Heritage Financial AI Stock Analysis
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Community Heritage Financial (CMHF) AI Stock Analysis
Community Heritage Financial
(Other OTC:CMHF)
The overall score of 72 reflects solid financial performance driven by strong revenue growth and improved cash flow, though higher leverage is a watchpoint. Technicals show a healthy uptrend with moderate momentum, and valuation is fair. The absence of earnings call insights and corporate events limits additional catalysts.
Community Heritage Financial (CMHF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $123.23M
- Dividend Yield
- 0.77%
- Average Volume (3M)
- 4,019
- Price to Earnings (P/E)
- 14.8
- Beta (1Y)
- 0.08
- 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
Revenue grew 14.3% to $60.5M with a 5-year CAGR of 13.4%. Net margin improved to 14.3% and operating cash flow doubled to $12.7M. However, debt-to-equity rose to 0.62, adding moderate leverage risk. Overall, strong growth and cash generation are tempered by increased debt and margins below historical peaks.
Income Statement
75PositiveBalance Sheet
68PositiveCash Flow
78Positive| 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 Technical Analysis
Price Trends
Market Momentum
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 41.58 is above the 20-day moving average (MA) of 41.27, above the 50-day MA of 40.90, and above the 200-day MA of 35.93, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 58.09 is Neutral, neither overbought nor oversold. The STOCH value of 66.29 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
Overall Rating
- CMHF72Outperform
BOTJ69Neutral
FUSB65Neutral
BYFC51Neutral
FNWB42Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CMHF | 72Outperform | $122.79M | 14.82 | 9.24% | 0.77% | 3.22% | 2.58% |
| BOTJ | 69Neutral | $115.36M | 9.39 | 14.94% | 1.61% | 7.06% | 52.33% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FUSB | 65Neutral | $84.36M | 12.13 | 7.58% | 1.67% | 3.74% | 43.52% |
| BYFC | 51Neutral | $108.79M | -4.29 | -7.74% | ― | 10.60% | -935.88% |
| FNWB | 42Neutral | $94.23M | -1048.39 | -0.03% | ― | -6.23% | 99.32% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CMHF | Community Heritage Financial | 41.58 | 13.11 | 46.06% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.77 | 8.28 | 50.21% | |
| BYFC | Broadway Financial | 11.71 | 5.46 | 87.36% | |
| FUSB | First Us Bancshares | 16.74 | 3.57 | 27.13% | |
| FNWB | First Northwest Bancorp | 9.84 | 0.58 | 6.26% |
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: Nov 07, 2026