OTC · Banks - Regional

Croghan Bancshares, Inc. (CHBH) Stock

$61.51 +0.00% OTC: CHBH Financial Services

Croghan Bancshares, Inc., headquartered in Fremont, Ohio, since its incorporation in 1888, serves as the holding company for Croghan Colonial Bank. This state-chartered financial institution delivers a broad spectrum of commercial and retail banking solutions to individual consumers and businesses throughout Ohio.

Valuation

MetricValue
Price$61.51
Market Cap$123.92M
P/E Ratio9.55
P/B Ratio0.91
P/S Ratio1.76
EPS (TTM)$6.44
52-Week High$62.00
52-Week Low$48.06
Dividend Yield3.97%

Financials & Margins

MetricValue
ROE9.69%
ROA0.96%
ROCE5.03%
Gross Margin69.82%
Operating Margin23.08%
Net Margin18.55%
Debt/Equity1.06
Current Ratio0.04

Annual Financials (USD)

Metric20212022202320242025
Revenue$48.0M$47.0M$53.0M$61.0M$67.0M
Operating Profit$19.0M$17.0M$13.0M$12.0M$15.0M
Net Profit$15.0M$14.0M$11.0M$10.0M$12.0M
EPS$6.87$6.41$5.05$4.80$5.96
Op Margin38.5%36.3%24.4%20.4%22.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.1B$1.1B$1.1B$1.2B$1.3B
Total Liabilities$972.0M$1.0B$998.0M$1.0B$1.2B
Cash$46.0M$21.0M$37.0M$37.0M$31.0M
Borrowings$57.0M$101.0M$105.0M$25.0M$145.0M

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$18.0M$18.0M$15.0M$13.0M$14.0M
Investing Cash Flow$-79.0M$-80.0M$26.0M$-35.0M$-162.0M
Financing Cash Flow$77.0M$-2.0M$-18.0M$55.0M$26.0M
Net Cash Flow$13.0M$-25.0M$16.0M$0$0
Free Cash Flow$17.0M$17.0M$13.0M$13.0M$13.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.25
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y32.91%
Return 3Y50.09%
Return 5Y28.11%

Ownership

Insiders Held0.00%
Institutions Held0.13%
Institutions Float Held0.13%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC2,5182026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About Croghan Bancshares, Inc.

Croghan Bancshares, Inc., headquartered in Fremont, Ohio, since its incorporation in 1888, serves as the holding company for Croghan Colonial Bank. This state-chartered financial institution delivers a broad spectrum of commercial and retail banking solutions to individual consumers and businesses throughout Ohio. Customers can access diverse deposit accounts, including checking, savings, money market, certificates of deposit, IRAs, time deposit accounts, and health savings accounts. The bank's extensive lending options cater to various needs, from personal and agricultural loans, real estate and mortgage financing, and credit for vehicles (auto, boat, RV, motorcycle) and home improvements, to comprehensive business solutions like small business loans, commercial real estate loans, equipment financing, business succession loans, and lines of credit. Beyond traditional banking, Croghan Colonial Bank provides equipment leasing services, along with trust and investment management offerings that encompass retirement, financial, and legacy planning. Further enhancing its client services are fraud protection, a selection of investment products such as annuities and college savings plans, insurance coverage, and overdraft protection. The bank also supports modern banking conveniences like credit and debit cards, online and mobile banking, electronic statements and bill pay, mobile deposits, merchant services, remote deposit capture, and secure safe deposit boxes. It maintains a physical presence across Ohio with 19 banking centers situated in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Oak Harbor, Oregon, Port Clinton, and Tiffin.

Croghan Bancshares, Inc. is headquartered in US.

Croghan Bancshares, Inc. (CHBH) stock trades at $61.51 with a market capitalization of $123.92M. The stock is valued at a price-to-earnings (P/E) ratio of 9.55, price-to-book of 0.91, price-to-sales of 1.76. Over the past 52 weeks the stock has ranged between $48.06 and $62.00, and currently trades at its 52-week high. It pays a dividend yielding 3.97%.

On profitability, Croghan Bancshares, Inc. generates a return on equity (ROE) of 9.69%, return on capital employed of 5.03%, an operating margin of 23.08%, a net profit margin of 18.55%.

Official website: www.croghan.com

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