Community Heritage Financial (CMHF) AI Stock Analysis

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Community Heritage Financial

(Other OTC:CMHF)

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Rating:67Neutral

Price Target:$45.00▲(8.04% Upside)

Action:reiterated

Date:11/07/26

CMHF’s score is driven primarily by improving 2025 operating performance and cash generation, alongside supportive technical trends (price above key moving averages with positive MACD). The main constraint on the score is balance-sheet risk from the sharp 2025 leverage increase and some historical financial-statement volatility/anomalies, while valuation looks reasonable but the dividend yield is modest.

Positive Factors

Revenue and Margin ImprovementThe 2025 re-acceleration in revenue, combined with wider net and operating margins, indicates improved operating momentum and stronger earnings capacity. If maintained, this combination can support internal investment, reinforce the company’s regional banking position, and provide a more durable base for future profitability.

Negative Factors

Higher LeverageThe sharp increase in debt and debt-to-equity materially reduces financial flexibility and raises the importance of maintaining stable earnings and cash generation. For a regional bank, faster leverage growth than equity can increase balance-sheet sensitivity and constrain future capital allocation if conditions weaken.

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

Income statement trends improved in 2025 with re-accelerating revenue growth (+14.3%) and stronger margins (net margin 14.3%, operating margin 19.1%), supported by operating cash flow and free cash flow rebound in 2025. Offsetting this, balance-sheet risk increased as leverage stepped up materially in 2025 (debt-to-equity up to 0.62), and historical volatility/anomalies (notably 2023 profitability line items and negative cash flow in 2020) reduce consistency.

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 Technical Analysis

Technical Analysis SentimentPositive

Last Price41.65

Price Trends

50DMA40.90Positive

100DMA39.74Positive

200DMA35.93Positive

Market Momentum

MACD0.27Negative

RSI58.09Neutral

STOCH66.29Neutral

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 41.65 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

UnderperformOutperform

Sector (68)

Financial Indicators

CMHF against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	69Neutral	$116.63M	9.58	14.94%	1.58%	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%
FUSB	65Neutral	$83.59M	11.99	7.58%	1.69%	3.74%	43.52%
BYFC	51Neutral	$106.89M	-4.29	-7.74%	―	10.60%	-935.88%
FNWB	42Neutral	$94.51M	-1065.59	-0.03%	―	-6.23%	99.32%

* Financial Sector Average

Performance Comparison

CMHF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CMHF	Community Heritage Financial	41.65	13.19	46.33%
BOTJ	Bank Of The James Financial Group, Inc.	25.39	8.90	53.97%
BYFC	Broadway Financial	11.72	5.47	87.60%
FUSB	First Us Bancshares	16.55	3.38	25.68%
FNWB	First Northwest Bancorp	9.91	0.65	7.02%

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: Nov 07, 2026

Community Heritage Financial AI Stock Analysis