Community Heritage Financial Inc (CMHF)
OTHER OTC:CMHF
Top Page
Community Heritage Financial
(OTC:CMHF)
Select Model
Select Model
Rating:71Outperform
Price Target:
$32.00
▲(17.00% Upside)
Action:ReiteratedDate:10/31/25
The overall stock score of 71 for CMHF is primarily driven by strong financial performance, with notable revenue and cash flow growth. A reasonable valuation further supports the score, though technical indicators reflect short-term weakness with bearish momentum signals. Investors should weigh financial strengths against potential margin pressures and market trends.
Positive Factors
Revenue Growth
Strong revenue growth indicates the company's ability to expand its market presence and increase its customer base, which is crucial for long-term sustainability and competitiveness in the regional banking sector.
Negative Factors
Cost Management Issues
Decreasing gross profit margins may indicate rising costs or pricing pressures, which could impact profitability if not addressed, posing a risk to long-term financial performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong revenue growth indicates the company's ability to expand its market presence and increase its customer base, which is crucial for long-term sustainability and competitiveness in the regional banking sector.
Read all positive factors
Community Heritage Financial (CMHF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$73.26M
Dividend Yield1.16%
Average Volume (3M)1.05K
Price to Earnings (P/E)9.1
Beta (1Y)0.05
Revenue Growth4.66%
EPS Growth37.32%
CountryUS
Employees174
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.80
Shares Outstanding2,251,320
10 Day Avg. Volume1,224
30 Day Avg. Volume1,049
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.89
Price to Sales (P/S)1.22
P/FCF Ratio12.24
Enterprise Value/Market Cap1.75
Enterprise Value/Revenue2.43
Enterprise Value/Gross Profit4.70
Enterprise Value/Ebitda11.79
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Community Heritage Financial Business Overview & Revenue Model
Company Description
Community Heritage Financial, Inc., through its subsidiaries, provides retail and commercial banking services to individuals and businesses in Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. It operates in two segmen...
How the Company Makes Money
CMHF generates revenue through multiple key streams, including interest income from loans such as mortgages, personal loans, and business financing. The company also earns fees from its investment services and insurance products, which include fin...
Community Heritage Financial Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.91M | 57.30M | 30.13M | 36.23M | 34.09M | 32.43M |
| Gross Profit | 27.33M | 33.63M | 46.75M | 30.57M | 30.80M | 32.43M |
| EBITDA | 10.90M | 10.24M | -639.08K | 10.65M | 9.47M | 6.90M |
| Net Income | 8.13M | 6.63M | 4.30M | 6.86M | 6.02M | 4.13M |
Balance Sheet | ||||||
| Total Assets | 1.10B | 1.02B | 990.57M | 932.09M | 819.33M | 689.58M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 16.51M | 16.66M | 15.39M | 41.26M | 28.79M |
| Total Debt | 28.93M | 29.03M | 35.38M | 17.75M | 19.01M | 25.94M |
| Total Liabilities | 1.01B | 943.07M | 917.40M | 864.95M | 762.37M | 636.62M |
| Stockholders Equity | 83.94M | 79.03M | 71.23M | 67.14M | 56.95M | 52.96M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.72M | 8.17M | 8.40M | 12.14M | -2.22M |
| Operating Cash Flow | 0.00 | 6.03M | 8.50M | 9.89M | 14.38M | -1.73M |
| Investing Cash Flow | 0.00 | -28.46M | -61.72M | -148.41M | -132.00M | -155.32M |
| Financing Cash Flow | 0.00 | 22.28M | 54.50M | 112.66M | 130.09M | 160.76M |
Community Heritage Financial Technical Analysis
Positive
27.35
Price Trends
30.46
Positive
28.86
Positive
28.43
Positive
Market Momentum
0.30
Negative
67.37
Neutral
82.66
Negative
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 27.35 is below the 20-day moving average (MA) of 30.60, below the 50-day MA of 30.46, and below the 200-day MA of 28.43, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 67.37 is Neutral, neither overbought nor oversold. The STOCH value of 82.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CMHF.
Community Heritage Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $101.00M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
71 Outperform | $73.26M | 9.10 | 10.17% | 1.16% | 4.66% | 37.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $88.42M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $90.91M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% | |
44 Neutral | $70.06M | 15.26 | -8.97% | ― | 2.54% | -174.74% |
* Financial Sector Average
CMHF
Community Heritage Financial
32.25
8.78
37.39%
BOTJ
Bank Of The Jame Financial
22.23
8.34
60.08%
BYFC
Broadway Financial
7.85
1.64
26.41%
FUSB
First US Bancshares
15.65
3.12
24.89%
FNWB
First Northwest Bancorp
9.57
-0.08
-0.84%
NSTS
NSTS Bancorp
11.67
0.42
3.73%
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.