Community Heritage Financial (CMHF) Stock Price, News & Analysis

Company Overview

Community Heritage Financial, Inc. operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking services to individuals and businesses in Frederick and Washington counties in Maryland and Franklin County, Pennsylvania. Its primary deposit products include demand, savings, and time deposits, as well as lending products comprise real estate mortgages, commercial business loans, and instalment loans. The company also offers mortgage financing, new home purchases, refinancing, and construction lending in Middletown, Crofton, and Oakland, Maryland. The company was founded in 1908 and is based in Middletown, Maryland.

Key Stats

• Today's Range: $25.50 to $27.00
• 50-Day Range: $25.20 to $27.00
• 52-Week Range: $19.00 to $27.00
• Volume: 582 shs
• Average Volume: 182 shs
• Market Capitalization: $79.11 million
• P/E Ratio: 9.75
• Dividend Yield: 1.19%
• Price Target: N/A
• Consensus Rating: N/A

Community Heritage Financial Stock Analysis - MarketRank™

Community Heritage Financial scored higher than 37% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Community Heritage Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Community Heritage Financial is 9.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Heritage Financial is 9.75, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.03.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Community Heritage Financial has been sold short.

Short Interest Ratio / Days to Cover

Community Heritage Financial has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Community Heritage Financial has recently decreased by 66.67%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Community Heritage Financial pays a meaningful dividend of 1.26%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Community Heritage Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Community Heritage Financial is 11.55%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the float of Community Heritage Financial has been sold short.

Short Interest Ratio / Days to Cover

Community Heritage Financial has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Community Heritage Financial has recently decreased by 66.67%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.74

News Sentiment

Community Heritage Financial has a news sentiment score of 0.74. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Community Heritage Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Community Heritage Financial insiders have not sold or bought any company stock.

Percentage Held by Institutions

Only 12.18% of the stock of Community Heritage Financial is held by institutions.

CMHF Stock Analysis - Frequently Asked Questions

How have CMHF shares performed this year?

Community Heritage Financial's stock was trading at $24.00 at the beginning of the year. Since then, CMHF stock has increased by 12.5% and is now trading at $27.00.

How were Community Heritage Financial's earnings last quarter?

Community Heritage Financial, Inc. (OTCMKTS:CMHF) announced its quarterly earnings data on Thursday, July, 24th. The company reported $0.84 earnings per share for the quarter. The business earned $9.93 million during the quarter.

How do I buy shares of Community Heritage Financial?

Shares of CMHF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 7/24/2025
• Today: 7/25/2025
• Record date for 8/8 Dividend: 8/01/2025
• Dividend Payable: 8/08/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:CMHF
• CIK: 1792597
• Web: www.communityheritageinc.com
• Phone: 844-533-9211
• Fax: N/A
• Employees: 174
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 10.54
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $57.30 million
• Price / Sales: 1.30
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 2,929,000
• Free Float: N/A
• Market Cap: $74.69 million
• Optionable: Not Optionable
• Beta: 0.22