OTC · Banks - Regional

Community Heritage Financial, Inc. (CMHF) Stock

$42.00 +0.00% OTC: CMHF Financial Services

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 the District of Columbia.

Valuation

MetricValue
Price$42.00
Market Cap$94.56M
P/E Ratio20.29
P/B Ratio1.39
P/S Ratio1.61
EPS (TTM)$2.07
52-Week High$42.00
52-Week Low$26.05
Dividend Yield0.76%

Financials & Margins

MetricValue
ROE6.82%
ROA0.51%
ROCE0.67%
Gross Margin62.85%
Operating Margin13.72%
Net Margin10.34%
Debt/Equity0.25
Current Ratio34.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$34.0M$36.0M$30.0M$57.0M$60.0M
Operating Profit$8.0M$9.0M$6.0M$9.0M$12.0M
Net Profit$6.0M$7.0M$4.0M$7.0M$9.0M
EPS$2.67$2.84$1.48$2.27$2.93
Op Margin24.1%25.5%18.9%15.4%19.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$819.0M$932.0M$991.0M$1.0B$1.1B
Total Liabilities$762.0M$865.0M$917.0M$943.0M$1.0B
Cash$41.0M$15.0M$17.0M$17.0M$31.0M
Borrowings$19.0M$18.0M$35.0M$29.0M$55.0M

Latest News

Community Heritage Financial, Inc. Announces Second Quarter 2026 Dividend PR Newswire · Jul 20, 2026 Community Heritage Financial, Inc. Repositions Investment Portfolio PR Newswire · May 20, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$14.0M$10.0M$8.0M$6.0M$13.0M
Investing Cash Flow$-134.0M$-150.0M$-62.0M$-29.0M$-94.0M
Financing Cash Flow$137.0M$103.0M$37.0M$29.0M$77.0M
Net Cash Flow$12.0M$-26.0M$1.0M$0$0
Free Cash Flow$12.0M$8.0M$8.0M$6.0M$11.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.80
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y57.24%
Return 3Y190.83%
Return 5Y95.57%

Ownership

Insiders Held0.00%
Institutions Held23.14%
Institutions Float Held23.14%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC129,0002026-03-31
BANC FUNDS CO LLC125,4242026-03-31

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 Community Heritage Financial, Inc.

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 the District of Columbia. Its operational structure is bifurcated into two core divisions: Commercial Banking and Mortgage Banking. The Commercial Banking unit furnishes a diverse array of lending products, encompassing commercial, property, installment, and personal loans, alongside various other forms of corporate finance. Furthermore, it manages a selection of deposit vehicles, such as checking accounts, savings accounts, term deposits, and certificates of deposit. Meanwhile, the Mortgage Banking division principally focuses on creating residential mortgage loans, which are then divested into the broader secondary market. Beyond its banking functions, the institution also extends life insurance offerings. Its physical footprint consists of eight branches strategically positioned within Frederick and Washington Counties, Maryland. Established in 2018, the firm maintains its corporate headquarters in Middletown, Maryland.

Community Heritage Financial, Inc. is headquartered in US.

Community Heritage Financial, Inc. (CMHF) stock trades at $42.00 with a market capitalization of $94.56M. The stock is valued at a price-to-earnings (P/E) ratio of 20.29, price-to-book of 1.39, price-to-sales of 1.61. Over the past 52 weeks the stock has ranged between $26.05 and $42.00, and currently trades at its 52-week high. It pays a dividend yielding 0.76%.

On profitability, Community Heritage Financial, Inc. generates a return on equity (ROE) of 6.82%, return on capital employed of 0.67%, an operating margin of 13.72%, a net profit margin of 10.34%.

Official website: www.communityheritageinc.com

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