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COMPANY SUMMARY
Community Heritage Financial, Inc. operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking products and services to individuals and businesses in Maryland and Pennsylvania. It offers checking, savings, and individual retirement accounts; demand and time deposits; personal, household appliance/furnishing, recreation, auto, commercial real estate, capital improvement, acquisition, installment, commercial business, and agricultural loans; real estate mortgages and debt consolidation financing; overdraft protection lines of credit; business lines of credit; and letters of credit. The company also provides home equity lines of credit; credit cards; and cash management, merchant, wealth, bank to bank transfer, bill pay, bank by phone, check order, digital wallet, e-statement, mobile banking and deposit, payment, and online banking services. In addition, it offers a range of residential mortgage products to homebuyers for home purchases, refinancing, and construction. The company was founded in 1908 and is based in Middletown, Maryland.
Financial Summary
| Share Statistics | CMHF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $123.7 | $716.9 | 23% |
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| Shares Out (Mil) | 3.0 | 15.7 | 10% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | 2.7 | 21.2 | 7% |
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| Beta | 0.31 | 0.48 | 18% |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
162.5% | 96.7% | 96% |
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| Growth | CMHF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.3% | 7.6% | 56% |
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| Net Income (5yr) | 16.2% | 11.1% | 66% |
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| EPS (5yr) | 9.9% | 10.1% | 46 |
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| Dividends (5yr) | 14.9% | 3.6% | 64% |
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| Cash Flow (5yr) | 24.1% | (17.0%) | 83% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CMHF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $39 | $190 | 18% |
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| Net Income (TTM) (Mil) | $9 | $51 | 45% |
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| EPS (TTM) | $2.955 | $2.500 | 78% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $22 | $100 | 33% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CMHF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.39 | 1.27 | 36% |
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| P/E | 14.3 | 12.9 | 33% |
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| Dividend Yield | 0.8% | 2.2% | 65% |
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| PEG (5yr hist) | 1.4 | 1.1 | 57% |
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| Ratios | CMHF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 23.7% | 28.9% | 83% |
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| ROA | 0.9% | 1.0% | 45% |
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| ROE | 12.2% | 11.1% | 65% |
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| Liabilities to Assets | 92.1% | 89.8% | 89% |
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| F-Score | 3 | 4 | 19% |
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Community Heritage Financial, Inc. did not pass any screens on 7/31/2026.
