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Community Heritage Financial, Inc. CMHF

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41.80 USD 0.00 (+0.00%)

At closeNov 4, 2026, 4:00 PM EST

Day range unavailable

26.05 52-week range 42.17
YTD
+55.39%
1 year
+42.91%

Financial health

Altman Z-Score

0.28 Distress zone

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

Piotroski F-Score

4 / 9 Average

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

FMP rating

B3 / 5 overall

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

Valuation

P/E 9.1×
FY 2016: 384×FY 2017: 323×FY 2018: 25.6×FY 2019: 18.7×FY 2020: 10.2×FY 2021: 9.1×FY 2022: 7.0×FY 2023: 11.3×FY 2024: 10.6×FY 2025: 9.1×
FY 2016 5y median 9.1× FY 2025
P/S 1.3×
FY 2016: 37.3×FY 2017: 30.4×FY 2018: 2.9×FY 2019: 2.0×FY 2020: 1.3×FY 2021: 1.6×FY 2022: 1.3×FY 2023: 1.6×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 0.9×
FY 2016: 13.7×FY 2017: 9.0×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 7.1×
FY 2016: 0.0×FY 2017: 285×FY 2018: 30.6×FY 2019: 48.4×FY 2020: -19.0×FY 2021: 4.5×FY 2022: 5.7×FY 2023: 6.0×FY 2024: 12.2×FY 2025: 7.1×
FY 2016 5y median 6.0× FY 2025
EV/EBITDA 8.0×
FY 2016: 0.0×FY 2017: 129×FY 2018: 10.0×FY 2019: -95.9×FY 2020: 5.7×FY 2021: 3.4×FY 2022: 4.7×FY 2023: 9.5×FY 2024: 8.1×FY 2025: 8.0×
FY 2016 5y median 8.0× FY 2025
EV/Sales 1.7×
FY 2016: 35.6×FY 2017: 28.8×FY 2018: 1.8×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 1.0×FY 2022: 1.4×FY 2023: 2.2×FY 2024: 1.4×FY 2025: 1.7×
FY 2016 5y median 1.4× FY 2025
FCF Yield 14.0%
FY 2016: 0.0%FY 2017: 0.4%FY 2018: 3.3%FY 2019: 2.1%FY 2020: -5.3%FY 2021: 22.2%FY 2022: 17.6%FY 2023: 16.8%FY 2024: 8.2%FY 2025: 14.0%
FY 2016 5y median 16.8% FY 2025

Profitability

Gross Margin 63.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 90.3%FY 2022: 84.4%FY 2023: 155.2%FY 2024: 58.7%FY 2025: 63.8%
FY 2016 5y median 84.4% FY 2025
Operating Margin 19.1%
FY 2016: 18.9%FY 2017: 19.8%FY 2018: 15.8%FY 2019: 15.0%FY 2020: 17.6%FY 2021: 24.1%FY 2022: 25.5%FY 2023: 18.9%FY 2024: 15.4%FY 2025: 19.1%
FY 2016 5y median 19.1% FY 2025
Net Margin 14.3%
FY 2016: 9.7%FY 2017: 9.4%FY 2018: 11.3%FY 2019: 10.6%FY 2020: 12.7%FY 2021: 17.6%FY 2022: 18.9%FY 2023: 14.3%FY 2024: 11.6%FY 2025: 14.3%
FY 2016 5y median 14.3% FY 2025
ROE 9.7%
FY 2016: 3.6%FY 2017: 2.8%FY 2018: 4.4%FY 2019: 5.4%FY 2020: 7.8%FY 2021: 10.6%FY 2022: 10.2%FY 2023: 6.0%FY 2024: 8.4%FY 2025: 9.7%
FY 2016 5y median 9.7% FY 2025
ROIC 0.8%
FY 2016: 0.4%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.3%FY 2020: 0.6%FY 2021: 2.4%FY 2022: 3.0%FY 2023: 1.7%FY 2024: 3.3%FY 2025: 0.8%
FY 2016 5y median 2.4% FY 2025
ROA 0.8%
FY 2016: 0.3%FY 2017: 0.3%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.6%FY 2021: 0.7%FY 2022: 0.7%FY 2023: 0.4%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 5.6%
FY 2016: 30.0%FY 2017: 40.5%FY 2018: 35.1%FY 2019: 42.7%FY 2020: 30.1%FY 2021: 5.1%FY 2022: 6.3%FY 2023: -16.8%FY 2024: 90.2%FY 2025: 5.6%
FY 2016 FY 2025
Operating Income 31.2%
FY 2016: 88.0%FY 2017: 47.3%FY 2018: 8.0%FY 2019: 35.1%FY 2020: 52.8%FY 2021: 43.8%FY 2022: 12.7%FY 2023: -38.6%FY 2024: 55.3%FY 2025: 31.2%
FY 2016 FY 2025
EPS (diluted) 29.1%
FY 2016: 146.4%FY 2017: 18.8%FY 2018: 7.3%FY 2019: 33.0%FY 2020: 56.4%FY 2021: 45.9%FY 2022: 6.4%FY 2023: -47.9%FY 2024: 53.4%FY 2025: 29.1%
FY 2016 FY 2025
Free Cash Flow 93.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 19.4%FY 2019: -38.1%FY 2020: -317.9%FY 2021: 647.6%FY 2022: -30.8%FY 2023: -2.8%FY 2024: -30.0%FY 2025: 93.0%
FY 2016 FY 2025

Financial Health

Current Ratio 50.3×
FY 2016: 694×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 144×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 50.3×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 50.3×
FY 2016: 694×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 144×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 50.3×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.9×
FY 2016: 0.0×FY 2017: -6.9×FY 2018: -5.9×FY 2019: 16.1×FY 2020: -0.4×FY 2021: -2.4×FY 2022: 0.2×FY 2023: 2.6×FY 2024: 1.2×FY 2025: 1.9×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 0.6×
FY 2016: 0.0×FY 2017: 320×FY 2018: 102×FY 2019: 0.8×FY 2020: 1.3×FY 2021: 2.8×FY 2022: 1.9×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 1.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.4%FY 2019: 0.5%FY 2020: 0.9%FY 2021: 0.7%FY 2022: 0.8%FY 2023: 1.4%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.0% FY 2025
Payout Ratio 10.8%
FY 2016: 0.0%FY 2017: 10.1%FY 2018: 10.2%FY 2019: 10.3%FY 2020: 8.7%FY 2021: 6.0%FY 2022: 5.6%FY 2023: 16.2%FY 2024: 10.6%FY 2025: 10.8%
FY 2016 5y median 10.6% FY 2025

Annual · latest fiscal year ends 2025-12-31