Community Heritage Financial, Inc. Logo

Community Heritage Financial, Inc.

CMHF

(0.5)
Stock Price

24,00 USD

0.47% ROA

7.88% ROE

12.02x PER

Market Cap.

47.255.207,00 USD

107.79% DER

1.14% Yield

11.66% NPM

Community Heritage Financial, Inc. Stock Analysis

Community Heritage Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Community Heritage Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

2 ROE

Unidentified ROE

3 ROA

Unidentified ROA

4 PBV

Unidentified ROA

5 DER

Unidentified DER

6 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

7 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

Unidentified Graham Number

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Buffet Intrinsic Value

The company's stock appears overvalued (0) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Community Heritage Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Community Heritage Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Community Heritage Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Community Heritage Financial, Inc. Revenue
Year Revenue Growth
2014 6.576.495
2015 7.080.811 7.12%
2016 9.204.021 23.07%
2017 12.936.191 28.85%
2018 17.475.790 25.98%
2019 24.931.468 29.9%
2020 32.425.593 23.11%
2021 34.088.191 4.88%
2022 36.234.850 5.92%
2023 30.129.808 -20.26%
2024 32.840.912 8.26%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Community Heritage Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2014 0
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Community Heritage Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2014 874.202
2015 902.811 3.17%
2016 1.029.679 12.32%
2017 806.330 -27.7%
2018 869.529 7.27%
2019 683.696 -27.18%
2020 746.435 8.41%
2021 712.544 -4.76%
2022 710.697 -0.26%
2023 3.789.772 81.25%
2024 4.036.392 6.11%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Community Heritage Financial, Inc. EBITDA
Year EBITDA Growth
2014 -202.211
2015 -489.011 58.65%
2016 -461.989 -5.85%
2017 -95.589 -383.31%
2018 -94.960 -0.66%
2019 -174.945 45.72%
2020 -280.488 37.63%
2021 -441.308 36.44%
2022 -571.203 22.74%
2023 -639.080 10.62%
2024 -820.572 22.12%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Community Heritage Financial, Inc. Gross Profit
Year Gross Profit Growth
2014 6.576.495
2015 7.080.811 7.12%
2016 9.204.021 23.07%
2017 12.936.191 28.85%
2018 17.475.790 25.98%
2019 24.931.468 29.9%
2020 32.425.593 23.11%
2021 34.088.191 4.88%
2022 36.234.850 5.92%
2023 46.754.148 22.5%
2024 57.488.388 18.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Community Heritage Financial, Inc. Net Profit
Year Net Profit Growth
2014 497.262
2015 366.006 -35.86%
2016 892.971 59.01%
2017 1.216.788 26.61%
2018 1.967.734 38.16%
2019 2.630.774 25.2%
2020 4.127.418 36.26%
2021 6.015.285 31.38%
2022 6.855.504 12.26%
2023 4.295.162 -59.61%
2024 5.766.624 25.52%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Community Heritage Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2014 0
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 2 0%
2021 3 50%
2022 3 0%
2023 1 -100%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Community Heritage Financial, Inc. Free Cashflow
Year Free Cashflow Growth
2014 0
2015 0 0%
2016 0 0%
2017 1.376.843 100%
2018 1.644.548 16.28%
2019 1.017.309 -61.66%
2020 -2.216.742 145.89%
2021 12.137.787 118.26%
2022 8.403.587 -44.44%
2023 8.165.200 -2.92%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Community Heritage Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
2014 0
2015 0 0%
2016 0 0%
2017 2.389.035 100%
2018 2.813.549 15.09%
2019 2.348.045 -19.83%
2020 -1.726.489 236%
2021 14.377.877 112.01%
2022 9.887.388 -45.42%
2023 8.499.580 -16.33%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Community Heritage Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
2014 0
2015 0 0%
2016 0 0%
2017 1.012.192 100%
2018 1.169.001 13.41%
2019 1.330.736 12.15%
2020 490.253 -171.44%
2021 2.240.090 78.11%
2022 1.483.801 -50.97%
2023 334.380 -343.75%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Community Heritage Financial, Inc. Equity
Year Equity Growth
2014 22.752.242
2015 24.684.871 7.83%
2016 25.124.069 1.75%
2017 43.387.832 42.09%
2018 44.944.488 3.46%
2019 48.634.902 7.59%
2020 52.960.495 8.17%
2021 56.954.891 7.01%
2022 67.141.158 15.17%
2023 71.231.101 5.74%
2024 74.194.301 3.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Community Heritage Financial, Inc. Assets
Year Assets Growth
2014 175.339.047
2015 238.087.523 26.36%
2016 282.903.542 15.84%
2017 361.617.500 21.77%
2018 436.144.491 17.09%
2019 518.557.308 15.89%
2020 689.582.220 24.8%
2021 819.327.015 15.84%
2022 932.093.646 12.1%
2023 988.628.126 5.72%
2024 1.091.108.096 9.39%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Community Heritage Financial, Inc. Liabilities
Year Liabilities Growth
2014 3.217
2015 16.659 80.69%
2016 22.495 25.94%
2017 318.229.668 99.99%
2018 391.200.003 18.65%
2019 469.922.406 16.75%
2020 636.621.725 26.18%
2021 762.372.124 16.49%
2022 864.952.488 11.86%
2023 917.397.025 5.72%
2024 1.016.913.795 9.79%

Community Heritage Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.89
Net Income per Share
1.75
Price to Earning Ratio
12.02x
Price To Sales Ratio
1.01x
POCF Ratio
26.98
PFCF Ratio
20.65
Price to Book Ratio
0.83
EV to Sales
0.75
EV Over EBITDA
-47.33
EV to Operating CashFlow
15.4
EV to FreeCashFlow
15.4
Earnings Yield
0.08
FreeCashFlow Yield
0.05
Market Cap
0,05 Bil.
Enterprise Value
0,04 Bil.
Graham Number
31.47
Graham NetNet
-314.37

Income Statement Metrics

Net Income per Share
1.75
Income Quality
0.45
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.75
EBT Per Ebit
0.93
Ebit per Revenue
0.17
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.01
Operating Profit Margin
0.17
Pretax Profit Margin
0.15
Net Profit Margin
0.12

Dividends

Dividend Yield
0.01
Dividend Yield %
1.14
Payout Ratio
0
Dividend Per Share
0.24

Operating Metrics

Operating Cashflow per Share
0.78
Free CashFlow per Share
0.78
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
31,27
Book Value per Share
25,22
Tangible Book Value per Share
24.65
Shareholders Equity per Share
25.22
Interest Debt per Share
27.8
Debt to Equity
1.08
Debt to Assets
0.07
Net Debt to EBITDA
16.13
Current Ratio
56.32
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-0,92 Bil.
Invested Capital
100174727
Working Capital
0,09 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.69

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Community Heritage Financial, Inc. Dividends
Year Dividends Growth
2018 0
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Community Heritage Financial, Inc. Profile

About Community Heritage Financial, Inc.

Community Heritage Financial, Inc., through its subsidiaries, provides retail and commercial banking services to individuals and businesses in Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. It operates in two segments, Commercial Banking and Mortgage Banking. The Commercial Banking segment offers commercial loans, real estate loans, installment loans, and consumer loans, as well as other business financing services; and deposit products, including demand deposit accounts, savings accounts, time deposit, and certificates of deposit. The Mortgage Banking segment primarily engages in the origination of residential mortgages for sale into the secondary market. The company also provides life insurance services. It operates through a network of eight branches located in Frederick and Washington Counties, Maryland. The company was incorporated in 2018 and is based in Middletown, Maryland.

CEO
Mr. Robert E. Goetz Jr.
Employee
174
Address
24 West Main Street
Middletown, 21769

Community Heritage Financial, Inc. Executives & BODs

Community Heritage Financial, Inc. Executives & BODs
# Name Age
1 Ms. Brenda McComas
Executive Vice President & Chief Operating Officer
70
2 Mr. Robert E. Goetz Jr.
President, Chief Executive Officer & Director
70
3 Cody Hill
Senior Vice President & Director of Retail Banking
70
4 Mr. Dustin A. Watson
Executive Vice President & Chief Credit Officer
70
5 Ms. Dawn Lowe
Executive Vice President and Chief Talent & Culture Officer
70
6 Mr. Ryan M. Lampton
Executive Vice President & President of Commercial Banking
70
7 Jerry Merrick
Executive Vice President & President of Mortgage Lending
70
8 Ms. Dawn R. Woods Apr
Corporate Secretary
70
9 Mr. John A. Scaldara Jr.
Executive Vice President & Chief Financial Officer
70
10 Mr. J. Michael Hill
Executive Vice President & Chief Risk Officer
70

Community Heritage Financial, Inc. Competitors