OTCPK:CMHF

Stock Analysis Report

Community Heritage Financial

Executive Summary

Community Heritage Financial, Inc. operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking services to individuals and businesses in Maryland.

Snowflake

Fundamentals

Excellent balance sheet with moderate growth potential.

Risks

  • Community Heritage Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has Community Heritage Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.9%

OTCPK:CMHF

2.4%

US Banks

2.9%

US Market


1 Year Return

-21.7%

OTCPK:CMHF

-14.8%

US Banks

0.2%

US Market

CMHF underperformed the Banks industry which returned -15.3% over the past year.

CMHF underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

CMHFIndustryMarket
7 Day-1.9%2.4%2.9%
30 Day0.2%-6.3%-2.3%
90 Day-11.5%-2.1%3.1%
1 Year-21.3%-21.7%-12.4%-14.8%2.4%0.2%
3 Yearn/a41.7%32.0%41.7%32.4%
5 Yearn/a52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is Community Heritage Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Heritage Financial undervalued based on future cash flows and its price relative to the stock market?

24.93x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Community Heritage Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Community Heritage Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Community Heritage Financial is overvalued based on earnings compared to the US Banks industry average.

Community Heritage Financial is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community Heritage Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Community Heritage Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Community Heritage Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

22.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Community Heritage Financial is high growth as no revenue estimate data is available.

Community Heritage Financial's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Community Heritage Financial's revenue growth to the United States of America market average as no estimate data is available.

Community Heritage Financial's earnings growth is expected to exceed the United States of America market average.

Community Heritage Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Community Heritage Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Community Heritage Financial performed over the past 5 years?

27.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community Heritage Financial has delivered over 20% year on year earnings growth in the past 5 years.

Community Heritage Financial's 1-year earnings growth is less than its 5-year average (20.6% vs 27.7%)

Community Heritage Financial's earnings growth has not exceeded the US Banks industry average in the past year (20.6% vs 33.2%).


Return on Equity

Community Heritage Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Community Heritage Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Community Heritage Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Community Heritage Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Community Heritage Financial has an acceptable proportion of non-loan assets held.

Unable to establish if Community Heritage Financial has a sufficient allowance for bad loans without relevant financial data.

Community Heritage Financial's liabilities are made up of primarily low risk sources of funding.

Community Heritage Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Community Heritage Financial are broadly funded by customer deposits.

Community Heritage Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Community Heritage Financial's current dividend yield, its reliability and sustainability?

0.59%

Current Dividend Yield


Dividend Yield and Payments Analysis

Community Heritage Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Community Heritage Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Community Heritage Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Community Heritage Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Community Heritage Financial's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community Heritage Financial's salary, the management and board of directors tenure and is there insider trading?

0.8yrs

Average management tenure


CEO

BJ Goetz 0

0.8yrs

Tenure

0

Mr. Robert E. Goetz, Jr., B.J., serves as the Chief Executive Officer, President since 2012 & Director of Middletown Valley Bank since 2013and also serves as President, CEO and Director at Community Herita ...


Management Age and Tenure

0.8yrs

Average Tenure

The average tenure for the Community Heritage Financial management team is less than 2 years, this suggests a new team.


Board Age and Tenure

0.8yrs

Average Tenure

The average tenure for the Community Heritage Financial board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Brian Ropp (50yo)

    Executive VP & CFO

    • Tenure: 0.8yrs
  • Dawn Woods

    Corporate Secretary

    • Tenure: 0.8yrs
  • Ryan Lampton

    Senior VP & Director of Commercial & Retail Services

    • Tenure: 0.0yrs
  • BJ Goetz

    President

    • Tenure: 0.8yrs
  • J. Hill

    Executive VP & CRO

    • Tenure: 0.8yrs
  • Angie Shubert

    Executive VP & COO

    • Tenure: 0.8yrs
  • William Poffenbarger

    Executive VP and President & CEO of Millennium Financial Group

    • Tenure: 0.0yrs
  • Dawn Lowe

    Senior VP & Director of Human Resources

    • Tenure: 0.0yrs

Board Members

  • Jim Pierne (67yo)

    Chairman of the Board

    • Tenure: 0.8yrs
  • BJ Goetz

    President

    • Tenure: 0.8yrs
  • James Clapp

    Director

    • Tenure: 0.8yrs
  • J. T. Routzahn

    Director

    • Tenure: 0.8yrs
  • Denny Remsburg

    Vice Chairman of the Board

    • Tenure: 0.8yrs
  • Richard Kefauver

    Director

    • Tenure: 0.8yrs
  • John Rudy

    Director

    • Tenure: 0.8yrs
  • Todd Snook

    Director

    • Tenure: 0.8yrs
  • J. Routzahn

    Director

    • Tenure: 0.8yrs

Company Information

Community Heritage Financial, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Heritage Financial, Inc.
  • Ticker: CMHF
  • Exchange: OTCPK
  • Founded: 1908
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$45.458m
  • Shares outstanding: 2.23m
  • Website: https://mvbbank.com

Number of Employees


Location

  • Community Heritage Financial, Inc.
  • 24 West Main Street
  • PO Box 75
  • Middletown
  • Maryland
  • 21769
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CMHFOTCPK (Pink Sheets LLC)YesNew Common StockUSUSDFeb 2018

Biography

Community Heritage Financial, Inc. operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking services to individuals and businesses in Maryland. It offers  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:57
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.