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STOCKS

Community Heritage Financial Inc (CMHF)

OTHER OTC:CMHF

CMHF

Community Heritage Financial

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Community Heritage Financial (CMHF) Ratios

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6 Followers

Community Heritage Financial Ratios

CMHF's free cash flow for Q2 2025 was $1.00. For the 2025 fiscal year, CMHF's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.13	0.02	0.02	0.03	0.08
Quick Ratio	0.13	0.02	0.02	0.05	0.15
Cash Ratio	0.00	0.02	0.02	0.02	0.07
Solvency Ratio	<0.01	<0.01	>-0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	<0.01	0.01	0.01	0.03
Short-Term Operating Cash Flow Coverage	0.00	12.62	15.35	18.22	29.30
Net Current Asset Value	$ -1.01B	$ -923.41M	$ -900.73M	$ -846.94M	$ -719.15M
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.03	0.04	0.02	0.02
Debt-to-Equity Ratio	0.62	0.37	0.50	0.26	0.33
Debt-to-Capital Ratio	0.38	0.27	0.33	0.21	0.25
Long-Term Debt-to-Capital Ratio	0.36	0.25	0.30	0.18	0.23
Financial Leverage Ratio	12.71	12.93	13.91	13.88	14.39
Debt Service Coverage Ratio	1.68	0.34	-0.11	1.50	2.13
Interest Coverage Ratio	2.55	0.38	0.33	1.88	2.81
Debt to Market Cap	0.72	0.39	0.63	0.32	0.31
Interest Debt Per Share	20.59	17.85	18.15	9.41	9.74
Net Debt to EBITDA	4.77	1.22	-29.29	0.22	-2.35
Profitability Margins
Gross Profit Margin	36.90%	58.69%	155.18%	84.38%	90.35%
EBIT Margin	20.97%	15.40%	18.86%	25.71%	24.07%
EBITDA Margin	20.97%	17.88%	-2.12%	29.38%	27.77%
Operating Profit Margin	23.70%	15.40%	18.86%	25.53%	24.07%
Pretax Profit Margin	20.97%	15.40%	18.86%	25.71%	24.07%
Net Profit Margin	15.67%	11.57%	14.26%	18.92%	17.65%
Continuous Operations Profit Margin	15.67%	11.57%	14.26%	18.92%	17.65%
Net Income Per EBT	74.71%	75.09%	75.59%	73.57%	73.30%
EBT Per EBIT	88.49%	100.00%	100.00%	100.71%	100.00%
Return on Assets (ROA)	0.77%	0.65%	0.43%	0.74%	0.73%
Return on Equity (ROE)	10.17%	8.39%	6.03%	10.21%	10.56%
Return on Capital Employed (ROCE)	1.50%	4.32%	2.25%	4.04%	3.28%
Return on Invested Capital (ROIC)	-4.37%	3.26%	1.71%	2.96%	2.40%
Return on Tangible Assets	0.77%	0.65%	0.43%	0.74%	0.74%
Earnings Yield	9.52%	9.47%	8.82%	14.32%	11.00%
Efficiency Ratios
Receivables Turnover	0.00	18.18	10.13	13.85	17.29
Payables Turnover	0.00	47.46	-36.25	20.76	15.39
Inventory Turnover	0.00	0.00	0.00	-0.27	-0.07
Fixed Asset Turnover	4.83	7.54	3.46	3.66	3.76
Asset Turnover	0.05	0.06	0.03	0.04	0.04
Working Capital Turnover Ratio	-0.49	-0.08	-0.04	-0.06	-0.14
Cash Conversion Cycle	0.00	12.39	46.08	-1.33K	-5.40K
Days of Sales Outstanding	0.00	20.08	36.02	26.36	21.10
Days of Inventory Outstanding	0.00	0.00	0.00	-1.34K	-5.40K
Days of Payables Outstanding	0.00	7.69	-10.07	17.58	23.71
Operating Cycle	0.00	20.08	36.02	-1.31K	-5.38K
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	2.07	2.92	4.11	6.39
Free Cash Flow Per Share	0.00	1.96	2.81	3.49	5.39
CapEx Per Share	0.00	0.11	0.12	0.62	1.00
Free Cash Flow to Operating Cash Flow	0.00	0.95	0.96	0.85	0.84
Dividend Paid and CapEx Coverage Ratio	0.00	5.97	8.23	5.29	5.53
Capital Expenditure Coverage Ratio	0.00	19.43	25.42	6.66	6.42
Operating Cash Flow Coverage Ratio	0.00	0.21	0.24	0.56	0.76
Operating Cash Flow to Sales Ratio	0.00	0.11	0.28	0.27	0.42
Free Cash Flow Yield	0.00%	8.17%	16.77%	17.55%	22.19%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.50	10.56	11.34	6.98	9.09
Price-to-Sales (P/S) Ratio	1.26	1.22	1.62	1.32	1.60
Price-to-Book (P/B) Ratio	1.02	0.89	0.68	0.71	0.96
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	12.24	5.96	5.70	4.51
Price-to-Operating Cash Flow Ratio	0.00	11.61	5.73	4.84	3.80
Price-to-Earnings Growth (PEG) Ratio	1.30	0.20	-0.24	1.04	0.20
Price-to-Fair Value	1.02	0.89	0.68	0.71	0.96
Enterprise Value Multiple	10.79	8.05	-105.49	4.72	3.43
Enterprise Value	125.00M	82.50M	67.42M	50.24M	32.46M
EV to EBITDA	10.79	8.05	-105.49	4.72	3.43
EV to Sales	2.26	1.44	2.24	1.39	0.95
EV to Free Cash Flow	0.00	14.43	8.26	5.98	2.67
EV to Operating Cash Flow	0.00	13.68	7.93	5.08	2.26
Tangible Book Value Per Share	29.73	26.53	24.60	27.19	24.56
Shareholders’ Equity Per Share	30.30	27.10	24.50	27.88	25.30
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.24	0.26	0.27
Revenue Per Share	18.83	19.65	10.36	15.04	15.14
Net Income Per Share	2.95	2.27	1.48	2.85	2.67
Tax Burden	0.75	0.75	0.76	0.74	0.73
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.12	0.02	0.03	0.02	0.02
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	0.00	0.91	1.98	1.44	2.39

Currency in USD