Community Heritage Financial, Inc. (CMHF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 28 | 31 | 31 | 13 | 34 | 40 | 38 | - |
| Operating profit | $m | 12 | 8 | ||||||
| Net profit | $m | 4 | 6 | 7 | 4 | 7 | 9 | 6 | - |
| EPS reported | $ | 2.93 | 2.06 | ||||||
| Operating cashflow per share | $ | 4.34 | 0.00 | ||||||
| Capex per share | $ | 0.57 | 0.00 | ||||||
| FCF per share | $ | 3.77 | 0.00 | ||||||
| Free cash flow | $m | 11 | 0 | ||||||
| Net debt | $m | 20 | -54 | ||||||
| Book value equity | $m | 89 | 89 | ||||||
| Book value per share | $ | 30.13 | 30.13 | ||||||
| Number of shares | m | 2.95 | 2.95 | ||||||
| DPS (TTM paid) | $ | 0.32 | 0.32 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.18 | 12.57 | ||||||
| P/B LTM | x | 0.89 | 0.89 | ||||||
| P/S LTM | x | 1.97 | 2.06 | ||||||
| P/FCF LTM | x | 7.14 | 0.00 | ||||||
| EV/EBITDA LTM | x | 8.03 | 12.85 | ||||||
| EV/Sales LTM | x | 1.71 | 0.66 | ||||||
| Earnings Yield LTM | % | +10.89% | +7.96% | ||||||
| FCF Yield | % | +14.01% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +9.74% | +6.82% | ||||||
| ROIC | % | +0.76% | +0.51% | ||||||
| Operating margin | % | +19.15% | +13.72% | ||||||
| Gross margin | % | +63.78% | +62.85% | ||||||
| FCF/Sales | % | +18.25% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +29.07% | -9.25% | ||||||
| Sales Growth YoY | % | +16.87% | +11.36% | ||||||
| Net Income Growth YoY | % | +30.56% | -8.62% | ||||||
| FCF Growth | % | +93.00% | -100.00% | ||||||
| Operating Profit Growth | % | +31.23% | -8.92% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.19% | +0.78% | ||||||
| Dividend Growth | % | +33.33% | +33.33% | ||||||
| Payout Ratio | % | +10.84% | 0.00% | ||||||
| FCF/Debt | x | 0.20 | 0.00 | ||||||
| Net Debt/EBITDA | x | 1.91 | -6.76 | ||||||
| EBIT/Net interest | x | 0.57 | 0.39 | ||||||
| Net debt/market cap | % | +58.06% | +18.37% | ||||||
| Net debt/Equity | x | 0.23 | -0.61 | ||||||
| Gross debt/equity | x | 0.62 | 0.25 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Community Heritage Financial, Inc. (CMHF)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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