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Community Heritage Financial, Inc (CMHF) Fair Value & Analysis

Financial Services · US · Market cap $105M

Price$35.65
Fair Value$38.36
Upside+7.6%
Quality95/100
Evidence: High Range $28.77 – $47.95

Fair value as of: Jun 26, 2026

Analysis

Community Heritage Financial, Inc (CMHF) currently trades at $35.65, while our model-based Fair Value estimate is $38.36 — implying the stock looks roughly 7.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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, …

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Frequently asked questions

Is Community Heritage Financial, Inc (CMHF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $38.36 versus a price of $35.65 — about +8% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CMHF?
Our 21-model fair value for Community Heritage Financial, Inc is $38.36 (as of Jun 26, 2026), built from audited fundamentals. The current price is $35.65.
What is the quality score of CMHF?
Community Heritage Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.