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Community Heritage Financial(OTC) CMHF

Market Cap$121.61MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2018)+134%
5 Year+90%
1 Year+39%
1 Month-1%
$41.25
+0.00%
+0.00Today
Community Heritage Financial last closing stock price
MetricPriceDate
Last closeUSD 41.252026-09-15
Community Heritage Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 41.252026-09-03
1 month-0.6%USD 41.502026-08-13
3 month+19.79%USD 34.432026-06-17
Year to date+54.44%USD 26.712025-12-31
1 year+38.85%USD 29.712025-09-12
3 year+168.08%USD 15.392023-09-11
5 year+89.51%USD 21.772021-09-01
Since inception+134.38%USD 17.602018-02-28

Community Heritage Financial Financials at a Glance

Market Cap

$121.61MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$58.59M

Net Income (TTM)

$6.06M

EPS (TTM)

$2.05

P/E Ratio

20.11

Dividend

$0.32

Beta (Volatility)

0.03 (Low)

Price

$41.25

Volume

758

Open

$40.05

Previous Close

$41.25

Daily Range

$40.00 - $41.25

52-Week Range

$26.05 - $42.00

Estimated Earnings Date

Apr 26, 2023

CMHF News

No articles available.

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About Community Heritage Financial

Community Heritage Financial, Inc. is a regional financial institution providing a range of retail and commercial banking solutions. The company operates through its subsidiaries, serving clients across Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia.

Products and Services
  • Commercial and personal loans, including property and installment loans
  • Residential mortgage loans, primarily sold in the secondary market
  • Deposit products such as checking and savings accounts
Growth Outlook
  • Recent quarterly revenue of $11.35 million indicates strong market demand
  • Trailing twelve months (TTM) revenue reached $57.5 million, showcasing consistent growth
  • Strategic expansion in Maryland and surrounding states supports future growth potential
Financial Highlights
  • Net income for Q2 2026 was -$1.1 million, reflecting recent operational challenges
  • TTM net profit margin stands at 10.34%, indicating profitability potential
  • Current market capitalization is approximately $92.87 million, positioning for future investments
Community Heritage Financial, Inc. operates in the regional banking sector, focusing on both commercial and mortgage banking. The company has established a solid presence with eight branches in key locations, enhancing its ability to serve a diverse clientele. Despite facing recent operational challenges, the company has demonstrated resilience with a TTM revenue of $57.5 million, reflecting its capacity to generate income in a competitive market. The strategic focus on expanding services in Maryland and neighboring states positions the company for future growth, making it an intriguing option for potential investors.
AI Generated • Sep 4, 2026

Industry

Banks

Sector

Financials

CEO

Robert E. Goetz, Jr.

Website

www.communityheritageinc.com

Headquarters

Middletown, MD 21769, US

CMHF Financials

Key Financial Metrics (TTM)

Gross Margin

62.85%

Operating Margin

13.72%

Net Income Margin

10.34%

Return on Equity

6.82%

Return on Capital

8.04%

Return on Assets

0.51%

Earnings Yield

4.97%

Dividend Yield

0.78%

Payout Ratio

0.00%

Stock Overview

Market Cap

$121.61MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.95M

Volume

758

Avg. Volume

623.492

Financials (TTM)

Gross Profit

$36.82M

Operating Income

$8.04M

EBITDA

$8.04M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$76.65M

Total Debt

$22.28M

Community Heritage Financial Performance Analysis

Community Heritage Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 36,234,8506.3%
20232023-12-31USD 46,754,14829.0%
20242024-12-31USD 57,303,01422.6%
20252025-12-31USD 60,481,8585.5%
Community Heritage Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3059.4%
Q42025-12-311.7%
Q12026-03-31-0.5%
Q22026-06-30-28.0%
Community Heritage Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.846.5%
20232023-12-31USD 1.47-48.4%
20242024-12-31USD 2.2754.5%
20252025-12-31USD 2.9329.5%
Community Heritage Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-21.4%
Q42025-12-3121.2%
Q12026-03-3121.2%
Q22026-06-30-138.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$11.35M

+16.0%

Gross Profit

$6.04M

-38.2%

Gross Margin

53.24%

N/A

Market Cap

$121.61MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$698.91K

N/A

Employees

174

N/A

Net Income

-$1.10M

-144.5%

EBITDA

-$1.57M

-146.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$76.65M

+14.0%

Total Debt

$22.28M

-23.0%

Accounts Receivable

$3.63M

N/A

Inventory

$0.00

N/A

Long Term Debt

$22.28M

-23.0%

Short Term Debt

$0.00

N/A

Return on Assets

0.51%

N/A

Return on Invested Capital

0.67%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About CMHF

What is the current price of Community Heritage Financial?

Community Heritage Financial is trading at $41.25 per share.

What is the 52-week range for Community Heritage Financial?

Over the past 52 weeks, Community Heritage Financial has traded between $26.05 and $42.00.

How much debt does Community Heritage Financial have?

As of the most recent reporting period, Community Heritage Financial reported total debt of $22.28M.

How much cash does Community Heritage Financial have on hand?

Community Heritage Financial does not have cash on hand data available.

What is Community Heritage Financial’s dividend yield?

Community Heritage Financial currently has a dividend yield of 0.78%.

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