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Community Heritage Financial, Inc. CMHF OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Community Heritage Financial, Inc. (CMHF) is a Banks - Regional company in the Financial Services sector, currently trading at $32.54. It has a SharesGrow Score of 64/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $60M, +26.3%/yr average growth. Net income is $9M, growing at +15.8%/yr. Net profit margin is 14.3% (healthy). Gross margin is 63.8% (-36.2 pp trend).

Balance sheet: total debt is $55M against $89M equity (Debt-to-Equity (D/E) ratio 0.62, moderate). Current ratio is 0.13 (tight liquidity). Debt-to-assets is 4.9%. Total assets: $1.1B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).

CMHF SharesGrow Score Overview

66/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 90/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CMHF

CMHF trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CMHF: +26.3%/yr revenue is, +15.8%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CMHF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CMHF: Debt-to-Equity (D/E) ratio 0.62 (moderate), Current ratio is 0.13 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CMHF: Gross margin is 63.8% (-36.2 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

CMHF: Net profit margin is 14.3%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range23.05-31.03

Volume400

Avg Volume (30D)700

Market Cap$73.26M

Beta (1Y)0.32

Dividend Yield$0.3200

Share Statistics

EPS (TTM)2.96

Shares Outstanding$2.93M

IPO Date2000-10-19

Employees174

CEORobert E. Goetz Jr.

Financial Highlights & Ratios

Revenue (TTM)$60.49M

Gross Profit$38.58M

EBITDA$11.58M

Net Income$8.65M

Operating Income$11.58M

Total Debt$55.23M

Net Debt$55.23M

Total Assets$1.13B

Price / Earnings (P/E)11

Price / Sales (P/S)1.21

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS20370L1035

Price Chart

CMHF

Community Heritage Financial, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

23.05 52WK RANGE 31.03

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