Community Heritage Financial Inc (CMHF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Community Heritage Financial Inc stock $26.24, price $41.80, that is 37.2% below the price, quality 56 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $12.95 – $42.00 · fair‑value band $24.38 – $30.06 · the $41.80 price screens above the $26.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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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.
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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.
Stock analysis
Community Heritage Financial Inc (CMHF) currently trades at $41.80, while our model-based Fair Value estimate is $26.24, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $32.51 per share, and 0 of the 6 models we run sit above the $41.80 price.
Bear case: the Dividend Discount group reads lowest at $4.15, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $24.38 (bear) to $30.06 (bull), the price of $41.80 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Community Heritage Financial Inc reported revenue of $60.5M in FY2025 versus $34.1M in FY2021, a compound +15.4%/yr. Reported net income was $8.7M in FY2025, compounding +9.5%/yr from FY2021.
Key figures
Market cap $123M Micro · P/E ratio 14.3 · P/S ratio 3.04 · EPS (TTM) $2.93 · Dividend yield 0.8% · Net margin 20.4% · Return on equity 9.5% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 60% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −37%, CMHF screens richer than that median.
Fair Value models
Bear$24.38Fair Value $26.24Bull$30.06
Price $41.80 · Downside -37.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.24 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.94/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
Start year 2020 (pandemic). Over 10 years: +23.9% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.9%
Dividend (yield on the price)0.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.9% vs 20.5%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.18% → 19%
Compare Community Heritage Financial Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−37.2% · Bottom 25%
Profitability
Return on equity (12 months)9.5% · Below median
Return on assets0.8% · Below median
Net margin (12 months)20.4% · Bottom 25%
Operating margin (12 months)44.8% · Above median
Growth and dividend
Revenue growth (quarter YoY)39.5% · Top 25%
Dividend yield (12 months)0.8% · Bottom 25%
Balance sheet
Debt / equity0.17× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)14.3× · Priciest 25%
P/B1.39× · Pricier than median
P/S (12 months)3.04× · Cheaper than median
Price / free cash flow (fiscal year)11.2× · Pricier than median
EV/EBITDA8.4× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)100· sector 47
PAST (return on equity)38· sector 43
HEALTH (low debt)–
DIVIDEND (yield)15· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Community Heritage Financial Inc (CMHF) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $26.24 versus a price of $41.80, about 37% lower (overvalued).
What is the fair value of CMHF?
Our model-based fair value for Community Heritage Financial Inc is $26.24 (as of Nov 6, 2026), built from audited fundamentals. The current price: $41.80.
What is the quality score of CMHF?
Community Heritage Financial Inc has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Community Heritage Financial Inc (CMHF)?
Our model-based price target is the fair value of $26.24 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $24.38, optimistic scenario $30.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Community Heritage Financial Inc stock forecast for 2026?
Our models put fair value at $26.24, about 37% lower versus a price of $41.80 (overvalued). Cautious scenario $24.38, optimistic scenario $30.06. The calculation is refreshed regularly with new filings.
What is the revenue of Community Heritage Financial Inc (CMHF)?
Community Heritage Financial Inc reported trailing-twelve-month revenue of about $40.5M (latest available figure, as of Nov 6, 2026).
Does Community Heritage Financial Inc pay a dividend?
Community Heritage Financial Inc currently shows a dividend yield of 0.77% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Community Heritage Financial Inc (CMHF) and when is the ex-dividend date?
Community Heritage Financial Inc pays a dividend of $0.32 per share a year, a dividend yield of 0.8%. The last ex-dividend date was Oct 30, 2026. A dividend has been paid every year since at least 2018. The payout ratio is 10.9% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Community Heritage Financial Inc (CMHF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Community Heritage Financial Inc it is $26.24 per share (as of Nov 6, 2026), against a price of $41.80. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Community Heritage Financial Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CMHF trades above its calculated fair value: price $41.80, fair value $26.24, a gap of about −37% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CMHF?
No. The price is what the market pays today ($41.80); the fair value is what the company's own numbers justify ($26.24). For Community Heritage Financial Inc the two are $15.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is Community Heritage Financial Inc worth?
The market values Community Heritage Financial Inc at about $123M (market capitalisation, as of Nov 6, 2026). Per share that is $41.80; our models calculate a fair value of $26.24 per share.
What do the bullish and bearish scenarios say about CMHF?
Our models span a range for Community Heritage Financial Inc: cautious scenario $24.38, base $26.24, optimistic $30.06 per share (as of Nov 6, 2026, price $41.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CMHF?
Community Heritage Financial Inc trades at a price-to-earnings ratio of 14.3 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $26.24 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 10.4. Other multiples: P/B 1.4, P/S 3.0, EV/EBITDA 8.4.
How solid is the balance sheet of Community Heritage Financial Inc (CMHF)?
Balance-sheet figures for Community Heritage Financial Inc (as of Nov 6, 2026): return on equity 9.5%, debt of 0.17 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is CMHF from its 52-week high?
Community Heritage Financial Inc trades at $41.80, at its 52-week high of $42.00 and 60% above the low of $26.06 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $26.24 is for.
Which stocks are comparable to Community Heritage Financial Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Community Heritage Financial Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $41.80, calculated fair value $26.24 (−37%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CMHF calculated?
We run Community Heritage Financial Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $26.24 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Community Heritage Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Community Heritage Financial Inc (CMHF)?
The closing price on Nov 6, 2026 was $41.80. Our model-based fair value is $26.24, about 37% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Community Heritage Financial Inc right now?
The price sits above even our optimistic bull case ($30.06). The favourable scenario is already priced in. Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Community Heritage Financial Inc (CMHF) come from?
Earnings per share at Community Heritage Financial Inc grew +18.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.7 %, EBIT margin +1.5 %, tax rate +0.2 %, residual (interest, one-offs) +4.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Community Heritage Financial Inc
How large is the market capitalisation of Community Heritage Financial Inc (CMHF)?
The market capitalisation of Community Heritage Financial Inc is $123M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Community Heritage Financial Inc (CMHF)?
The price-to-sales ratio of Community Heritage Financial Inc is 3.04 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Community Heritage Financial Inc (CMHF)?
Earnings per share at Community Heritage Financial Inc are $2.93 (price ÷ EPS = P/E 14.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Community Heritage Financial Inc (CMHF)?
The dividend yield of Community Heritage Financial Inc is 0.8% (payout 10.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Community Heritage Financial Inc (CMHF)?
The net margin of Community Heritage Financial Inc is 20.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Community Heritage Financial Inc (CMHF)?
The return on equity (ROE) of Community Heritage Financial Inc is 9.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Community Heritage Financial Inc (CMHF)?
On an EBIT basis the return on assets of Community Heritage Financial Inc is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Community Heritage Financial Inc (CMHF)?
The operating margin of Community Heritage Financial Inc is 44.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Community Heritage Financial Inc (CMHF)?
Revenue at Community Heritage Financial Inc is growing +39.5% versus a year earlier (3y avg +18.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Community Heritage Financial Inc (CMHF)?
Earnings per share at Community Heritage Financial Inc are growing +111% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Community Heritage Financial Inc (CMHF) generate?
The free cash flow of Community Heritage Financial Inc is $11.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Community Heritage Financial Inc (CMHF) carry?
The net debt of Community Heritage Financial Inc is $19.4M (fiscal year 2025, ≈ 1.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 6, 2026