CHBH

Croghan Bancshares, Inc.

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Price alert · CHBH

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73.04 USD +1.84 +2.58%
As of Oct 30, 2026
71.99 Day range 72.25
49.63 52-week range 78.00
YTD
+36.55%
1 year
+47.17%
Open
71.99
Prev close
71.20
Mkt cap
147.30M
Vol
447
Avg vol
300
EPS
8.29
P/E
8.81
More statistics
Low
71.99
High
72.25

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Financial health

Altman Z-Score

0.42 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 9.0×
FY 2016: 11.5×FY 2017: 11.2×FY 2018: 9.5×FY 2019: 9.7×FY 2020: 8.5×FY 2021: 9.3×FY 2022: 8.7×FY 2023: 9.3×FY 2024: 10.1×FY 2025: 9.0×
FY 2016 5y median 9.3× FY 2025
P/S 1.6×
FY 2016: 2.7×FY 2017: 2.9×FY 2018: 2.8×FY 2019: 2.7×FY 2020: 2.5×FY 2021: 2.9×FY 2022: 2.6×FY 2023: 1.9×FY 2024: 1.7×FY 2025: 1.6×
FY 2016 5y median 1.9× FY 2025
P/B 0.8×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 8.4×
FY 2016: 9.6×FY 2017: 9.2×FY 2018: 8.2×FY 2019: 9.1×FY 2020: 8.2×FY 2021: 8.3×FY 2022: 7.1×FY 2023: 7.4×FY 2024: 7.9×FY 2025: 8.4×
FY 2016 5y median 7.9× FY 2025
EV/EBITDA 14.8×
FY 2016: 10.1×FY 2017: 10.0×FY 2018: 7.1×FY 2019: 9.9×FY 2020: 8.7×FY 2021: 7.7×FY 2022: 11.1×FY 2023: 11.8×FY 2024: 11.3×FY 2025: 14.8×
FY 2016 5y median 11.3× FY 2025
EV/Sales 3.3×
FY 2016: 3.6×FY 2017: 3.7×FY 2018: 2.7×FY 2019: 3.6×FY 2020: 3.3×FY 2021: 3.2×FY 2022: 4.3×FY 2023: 3.1×FY 2024: 2.3×FY 2025: 3.3×
FY 2016 5y median 3.2× FY 2025
FCF Yield 12.0%
FY 2016: 10.4%FY 2017: 10.9%FY 2018: 12.2%FY 2019: 11.0%FY 2020: 12.2%FY 2021: 12.1%FY 2022: 14.0%FY 2023: 13.5%FY 2024: 12.6%FY 2025: 12.0%
FY 2016 5y median 12.6% FY 2025

Profitability

Gross Margin 70.5%
FY 2016: 92.1%FY 2017: 93.2%FY 2018: 91.6%FY 2019: 88.5%FY 2020: 89.0%FY 2021: 94.6%FY 2022: 95.5%FY 2023: 78.4%FY 2024: 70.5%FY 2025: 70.5%
FY 2016 5y median 78.4% FY 2025
Operating Margin 22.5%
FY 2016: 31.3%FY 2017: 33.4%FY 2018: 34.4%FY 2019: 33.5%FY 2020: 35.4%FY 2021: 38.5%FY 2022: 36.3%FY 2023: 24.4%FY 2024: 20.4%FY 2025: 22.5%
FY 2016 5y median 24.4% FY 2025
Net Margin 18.1%
FY 2016: 23.7%FY 2017: 26.1%FY 2018: 29.2%FY 2019: 27.9%FY 2020: 29.3%FY 2021: 31.6%FY 2022: 29.9%FY 2023: 20.2%FY 2024: 16.6%FY 2025: 18.1%
FY 2016 5y median 20.2% FY 2025
ROE 8.8%
FY 2016: 8.9%FY 2017: 9.4%FY 2018: 10.4%FY 2019: 10.1%FY 2020: 10.1%FY 2021: 10.9%FY 2022: 12.8%FY 2023: 9.0%FY 2024: 8.1%FY 2025: 8.8%
FY 2016 5y median 9.0% FY 2025
ROIC 3.6%
FY 2016: 5.7%FY 2017: 6.2%FY 2018: 2.0%FY 2019: 6.6%FY 2020: 6.4%FY 2021: 7.5%FY 2022: -7.4%FY 2023: 4.6%FY 2024: 4.9%FY 2025: 3.6%
FY 2016 5y median 4.6% FY 2025
ROA 0.9%
FY 2016: 1.1%FY 2017: 1.2%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 1.3%FY 2021: 1.4%FY 2022: 1.2%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 11.0%
FY 2016: 4.8%FY 2017: 2.8%FY 2018: 4.5%FY 2019: 9.0%FY 2020: 4.6%FY 2021: 2.7%FY 2022: -2.8%FY 2023: 13.9%FY 2024: 13.6%FY 2025: 11.0%
FY 2016 FY 2025
Operating Income 22.1%
FY 2016: 8.1%FY 2017: 9.6%FY 2018: 7.8%FY 2019: 6.0%FY 2020: 10.5%FY 2021: 11.7%FY 2022: -8.3%FY 2023: -23.4%FY 2024: -4.8%FY 2025: 22.1%
FY 2016 FY 2025
EPS (diluted) 24.2%
FY 2016: 8.4%FY 2017: 12.6%FY 2018: 17.2%FY 2019: 5.0%FY 2020: 11.1%FY 2021: 12.3%FY 2022: -6.7%FY 2023: -21.2%FY 2024: -5.0%FY 2025: 24.2%
FY 2016 FY 2025
Free Cash Flow 2.1%
FY 2016: -13.1%FY 2017: 14.7%FY 2018: 11.0%FY 2019: -3.4%FY 2020: 6.5%FY 2021: 20.0%FY 2022: 0.3%FY 2023: -21.6%FY 2024: -5.2%FY 2025: 2.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 2.6×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 2.6×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 1.1×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.1×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 1.1×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 7.6×
FY 2016: 2.4×FY 2017: 2.1×FY 2018: -0.2×FY 2019: 2.4×FY 2020: 2.2×FY 2021: 0.6×FY 2022: 4.4×FY 2023: 4.8×FY 2024: 3.1×FY 2025: 7.6×
FY 2016 5y median 4.4× FY 2025
Interest Coverage 0.8×
FY 2016: 5.1×FY 2017: 6.3×FY 2018: 4.9×FY 2019: 3.5×FY 2020: 6.2×FY 2021: 10.4×FY 2022: 8.0×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 3.1%FY 2017: 2.9%FY 2018: 3.2%FY 2019: 3.4%FY 2020: 3.8%FY 2021: 3.3%FY 2022: 4.0%FY 2023: 4.9%FY 2024: 4.7%FY 2025: 4.4%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 39.4%
FY 2016: 35.4%FY 2017: 32.5%FY 2018: 30.3%FY 2019: 33.4%FY 2020: 32.2%FY 2021: 31.1%FY 2022: 34.5%FY 2023: 45.3%FY 2024: 47.8%FY 2025: 39.4%
FY 2016 5y median 39.4% FY 2025

Annual · latest fiscal year ends 2025-12-31