CHBH Stock Overview

Operates as the holding company for the Croghan Colonial Bank, a state-chartered bank that provides a range of commercial and retail banking services to individuals and business clients in Ohio. More details

CHBH fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 69.3% below our estimate of its fair value

Pays a high and reliable dividend of 4.91%

Risk Analysis

Earnings have declined by 2.2% per year over past 5 years

Does not have a meaningful market cap ($98M)

My Notes

Capture your thoughts, links and company narrative

Croghan Bancshares, Inc. Competitors

First Commerce Bancorp

OTCPK:CMRB

US$103.9m

Pathfinder Bancorp

NasdaqCM:PBHC

US$107.4m

Northway Financial

OTCPK:NWYF

US$98.1m

PSB Holdings

OTCPK:PSBQ

US$109.7m

Price History & Performance

Summary of share price highs, lows and changes for Croghan Bancshares
Historical stock prices
Current Share Price	US$47.29
52 Week High	US$50.49
52 Week Low	US$45.05
Beta	0.79
1 Month Change	-5.23%
3 Month Change	2.63%
1 Year Change	2.80%
3 Year Change	-26.11%
5 Year Change	-11.44%
Change since IPO	138.44%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CHBH	US Banks	US Market
7D	-1.5%	0.8%	0.6%
1Y	2.8%	29.4%	23.8%

Return vs Industry: CHBH underperformed the US Banks industry which returned 29.6% over the past year.

Return vs Market: CHBH underperformed the US Market which returned 24.6% over the past year.

Price Volatility

Is CHBH's price volatile compared to industry and market?
CHBH volatility
CHBH Average Weekly Movement	3.2%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CHBH has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CHBH's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1888	211	Kendall Rieman	www.croghan.com

Croghan Bancshares, Inc. operates as the holding company for the Croghan Colonial Bank, a state-chartered bank that provides a range of commercial and retail banking services to individuals and business clients in Ohio. It offers personal and business checking accounts, savings accounts, and time deposit accounts, as well as safe deposit box and trust department services. Its loan product portfolio includes home equity and improvement, personal, auto, boat, RV, and motorcycle, as well as consumer, commercial, agricultural, and real estate loans, as well as overdraft protection services; business loans and lines, small business lending, equipment loans and leasing, commercial real estate and SBA loans, and business successions planning, as well as mortgage lending services.

Croghan Bancshares, Inc. Fundamentals Summary

How do Croghan Bancshares's earnings and revenue compare to its market cap?
CHBH fundamental statistics
Market cap	US$98.13m
Earnings (TTM)	US$9.92m
Revenue (TTM)	US$41.56m

9.9x

P/E Ratio

0.8x

P/B Ratio

Is CHBH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CHBH income statement (TTM)
Revenue	US$41.56m
Cost of Revenue	US$0
Gross Profit	US$41.56m
Other Expenses	US$31.64m
Earnings	US$9.92m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.78
Gross Margin	100.00%
Net Profit Margin	23.87%
Debt/Equity Ratio	0%

How did CHBH perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

49%

Payout Ratio

Does CHBH pay a reliable dividends?

See CHBH dividend history and benchmarks

When do you need to buy CHBH by to receive an upcoming dividend?
Croghan Bancshares dividend dates
Ex Dividend Date	Jan 10 2025
Dividend Pay Date	Jan 31 2025
Days until Ex dividend	13 days
Days until Dividend pay date	34 days

Does CHBH pay a reliable dividends?

See CHBH dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/28 09:10
End of Day Share Price	2024/12/26 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Croghan Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution