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

Company Overview

Community Heritage Financial, Inc. is the bank holding company for Community Heritage Bank, a locally focused commercial bank headquartered in Kingstree, South Carolina. As a federally regulated holding company, it oversees the strategic direction and financial operations of its wholly owned subsidiary, leveraging community relationships to support regional economic growth.

Through Community Heritage Bank, the company offers a full suite of deposit and lending products tailored to individuals, small businesses and agricultural enterprises. Deposit offerings include checking accounts, savings accounts, money market accounts and certificates of deposit. Lending services encompass commercial real estate financing, construction and development loans, agricultural lending, and consumer installment loans. The bank also provides treasury management solutions, online and mobile banking platforms, and payment processing services designed to streamline cash flow for its clients.

Community Heritage Financial serves the Pee Dee region of South Carolina, with branch locations in Kingstree and neighboring communities. Emphasizing relationship banking and local decision-making, the company’s management team and board of directors are drawn from the regional business and civic community, supporting personalized service and community development initiatives throughout their footprint.

Key Stats

• Today's Range: $30.00 to $30.00
• 50-Day Range: $27.00 to $30.77
• 52-Week Range: $20.26 to $30.77
• Volume: N/A
• Average Volume: 964 shs
• Market Capitalization: $87.87 million
• P/E Ratio: 10.83
• Dividend Yield: 1.07%
• Price Target: N/A
• Consensus Rating: N/A

Community Heritage Financial Stock Analysis - MarketRank™

Community Heritage Financial scored higher than 16% 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 10.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 232.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Heritage Financial is 10.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 39.91.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the outstanding shares of Community Heritage Financial have been sold short.

Short Interest Ratio / Days to Cover

Community Heritage Financial has a short interest ratio ("days to cover") of 1, 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 increased by 100.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Community Heritage Financial pays a meaningful dividend of 1.07%, 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

0.01% of the outstanding shares of Community Heritage Financial have been sold short.

Short Interest Ratio / Days to Cover

Community Heritage Financial has a short interest ratio ("days to cover") of 1, 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 increased by 100.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.8 / 5
• News Sentiment: -0.50

News Sentiment

Community Heritage Financial has a news sentiment score of -0.50. 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 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 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 on January 1st, 2025. Since then, CMHF stock has increased by 25.0% and is now trading at $30.00.

How were Community Heritage Financial's earnings last quarter?

Community Heritage Financial, Inc. (OTCMKTS:CMHF) released its quarterly earnings data on Thursday, July, 24th. The company reported $0.84 EPS for the quarter. The firm had revenue of $9.93 million for 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
• Record date for 8/8 Dividend: 8/01/2025
• Dividend Payable: 8/08/2025
• Today: 10/05/2025
• 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: 10.83
• 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: 1.53
• 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: $87.87 million
• Optionable: Not Optionable
• Beta: 0.31