Financial Services
Community Heritage Financial, Inc.(CMHF)
Live Price
Offline$34.50
+0.00% today
1Y Change
+39.97%
Window
Jun 26, 2025 β Jun 24, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +5.6%
- EPS Growth
- +30.4%
- Dividend Yield
- 0.9%
Coverage: 253 bars Β· Jun 26, 2025 β Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Community Heritage Financial, Inc. (CMHF) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $34.50 and up 40.0% across the available one-year price window (Jun 26, 2025 β Jun 24, 2026). Baseline metrics include revenue growth of +5.6%, EPS growth of +30.4%, a dividend yield of 0.9%. What stands out right now is revenue +5.6%, EPS +30.4%, free cash flow +93.0% with operating margin 24.1% and ROIC 0.9%. The dividend is present but secondary, with a yield around 0.9%. Valuation is more restrained than many high-expectation growth names at P/E 10.4 and price/sales 1.3. Stock Foundry combines CMHF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+5.6% vs +3.4% peer median
Operating Margin
Above sector median
+24.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Jan 26, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.6% and EPS at +30.4%, with operating margin around 24.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.9%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +3.4% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS Ξ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Jan 26, 2026 | β | +0.0% | +0.7% | +8.4% |
2025 Oct 23, 2025 | β | +0.0% | +0.5% | -5.1% |
2025 Jul 24, 2025 | β | +6.0% | +9.0% | +9.9% |
Benchmark Edge
CMHF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CMHF
β
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CMHF Max Drawdown
-14.53%
Trailing 1Y
SPY Max Drawdown
β
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CMHF and SPY.
Company Overview
Community Heritage Financial, Inc.
OTC
Community Heritage Financial Inc. is a bank holding company headquartered in Middletown, Maryland, serving as the parent organization for Middletown Valley Bank and Millennium Financial Group, Inc. The company was established in 2018 and is regulated under the Bank Holding Company Act of 1956. Through Middletown Valley Bank, Community Heritage Financial provides a comprehensive suite of retail and commercial banking products, including demand deposits, savings accounts, real estate mortgages, commercial business loans, and installment loans. Its services primarily support individuals, businesses, and communities in Frederick, Washington, and Garrett counties in Maryland, as well as Franklin County in Pennsylvania. The companyβs subsidiary, Millennium Financial Group (Mlend), offers full-service mortgage lending solutions, expanding the companyβs reach in residential real estate financing. Community Heritage Financialβs business model is rooted in community banking, emphasizing local decision-making and personalized customer service. With a focus on relationship-based banking and a longstanding presence dating back to 1908 through its banking operations, the company plays an important role in regional economic development and community support.
- Leadership
- Mr. Robert E. Goetz Jr.
- Employees
- 174
- Street Address
- 24 West Main Street, PO Box 75
- Mailing
- Middletown, MD, 21769
- Region
- Middletown, MD, United States
- Last Updated
- May 8, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.4
- EV/EBITDA
- 7.3
- Price/Sales
- 1.3
- Price/Book
- 1.1
Growth
- Revenue
- +5.6%
- EPS
- +30.4%
- Free Cash Flow
- +93.0%
Profitability
- Gross Margin
- 54.9%
- Operating Margin
- 24.1%
- Net Margin
- 16.9%
- ROE
- 11.0%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 0.65
- Current Ratio
- β
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.