Community Heritage Financial, Inc.

OOTC:CMHFOTC Markets

41.90

USD

+1.16

(+2.85%)

2.27EPS

10.56P/E

70.08MMarket Cap

Profitability (USD)

Profitability Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	- -	8.13	10.95	11.05	6.21	8.82
Return on Assets (%)	- -	0.68	0.8	0.78	0.45	0.66
Return on Capital (%)	- -	5.67	7.77	8.52	4.49	6.17
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.7	20.7	26.65	30.22	19.77	26.24
Profit Margin (%)	13.08	14.97	19.53	22.23	14.94	19.71
Net Income to Common Margin (%)	13.08	14.97	19.53	22.23	14.94	19.71
Effective Tax Rate (%)	26.08	27.68	26.7	26.43	24.41	24.91
Dvd Payout Ratio (%)	10.26	8.73	5.99	5.63	16.25	10.56
Sustainable Growth Rate (%)	- -	7.42	10.29	10.43	5.2	7.89

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	18	26	19	18	35	29
ST Debt	- -	- -	- -	- -	- -	- -
LT Debt	18	26	19	18	35	29
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.41	7.7	6.96	7.22	7.21	7.75
Long-Term Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Long-Term Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Long-Term Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
Total Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Total Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Total Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
Net Debt to Equity	-51.54	-54.35	-72.43	-22.93	-23.39	-20.89
Net Debt/Capital (%)	-60.3	-57.44	-118.86	-22.15	-18.53	-18.04
EBITDA	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.41	7.7	6.96	7.22	7.21	7.75
Long-Term Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Long-Term Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Long-Term Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
Total Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Total Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Total Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
CFO/Total Liabilities	0.5	-0.27	1.89	1.15	0.93	0.64
CFO/CapEx	1.97	-5.36	11.91	8.24	25.42	19.63
Altman's Z-Score	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	49	42	55	58	49	70
- Cash & Cash Equivalents	25	29	41	15	17	17
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	18	26	19	18	35	29
Enterprise Value	42	39	32	60	67	83
Total Capital	67	79	76	85	107	108
Total Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Total Debt / EV	0.43	0.66	0.59	0.3	0.52	0.35
EV/Sales	2.1	1.43	1.05	1.95	2.35	2.46
EV/EBITDA	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	17.96	- -	2.26	6.08	7.94	13.71
EV/Free Cash Flow to Firm	36.42	- -	2.46	6.92	8.27	14.44
Diluted Market Cap	49	42	55	48	49	70
Diluted Enterprise Value	42	39	32	50	67	83
EV per Share	18.73	17.48	14.42	20.69	23.18	28.29
TTM Sales	20	28	31	31	29	34
TTM EBITDA	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	-2	14	10	8	6
TTM Free Cash Flow to Firm	1	-2	13	9	8	6

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	42.5	-20.6	4.15	5.52	5.96	12.27
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	42	39	32	60	67	83
Low Price	18.05	15.65	19	19.85	13.26	16.55
EV/Sales	2.1	1.43	1.05	1.95	2.35	2.46
EV/EBITDA	- -	- -	- -	- -	- -	- -
Price/Earnings	18.71	10.23	9.09	6.98	11.34	10.56
Price/Earnings Average	17.72	10	8.18	7.77	11.46	8.67
Price/Earnings High	19.67	12.33	10.48	9.12	13.98	10.56
Price/Earnings Low	15.44	8.54	7.11	6.97	8.98	7.28
Price/Book Value	1.01	0.8	0.96	0.86	0.68	0.89
Price/Book Value Average	0.96	0.78	0.86	0.96	0.69	0.73
Price/Book Value High	1.06	0.96	1.11	1.12	0.84	0.89
Price/Book Value Low	0.84	0.67	0.75	0.86	0.54	0.61
Price/Tangible Book Value	1.05	0.82	0.99	0.88	0.7	0.91
Price/Tangible Book Value Average	0.99	0.8	0.89	0.98	0.71	0.74
Price/Tangible Book Value High	1.1	0.99	1.14	1.15	0.86	0.91
Price/Tangible Book Value Low	0.87	0.69	0.77	0.88	0.55	0.62
Price/Sales	2.45	1.53	1.78	1.55	1.69	2.08
Price/Sales Average	2.32	1.5	1.6	1.73	1.71	1.71
Price/Sales High	2.57	1.85	2.05	2.03	2.09	2.08
Price/Sales Low	2.02	1.28	1.39	1.55	1.34	1.44
Price/Cash Flow	20.96	-24.45	3.8	4.84	5.73	11.61
Price/Cash Flow Average	19.85	-23.9	3.42	5.39	5.79	9.53
Price/Cash Flow High	22.04	-29.47	4.38	6.32	7.06	11.61
Price/Cash Flow Low	17.3	-20.41	2.98	4.84	4.54	8.01
Price/Free Cash Flow Average	40.25	-20.14	3.74	6.14	6.03	10.08
Price/Free Cash Flow High	44.7	-24.83	4.79	7.2	7.35	12.27
Price/Free Cash Flow Low	35.08	-17.2	3.25	5.51	4.72	8.46
EV/Sales Average	1.97	1.39	0.88	2.16	2.37	2.08
EV/Sales High	2.22	1.74	1.32	2.52	2.74	2.46
EV/Sales Low	1.67	1.17	0.67	1.95	1.99	1.81
EV/EBITDA Average	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	21.87	18.75	24.3	19.88	16.75	24
High Price	23	22.6	28	25.95	20.65	24
Enterprise Value Average	40	38	27	67	68	70
Enterprise Value High	45	48	41	78	79	83
Enterprise Value Low	34	32	21	60	57	61

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Shares Outstanding	2	2	2	3	3	3
Diluted Weighted Avg Shares	2	2	2	2	3	3
Basic Weighted Avg Shares	2	2	2	2	3	3
Revenue per Share	8.94	12.24	13.68	12.8	9.89	11.53
EBITDA per Share	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.17	1.83	2.67	2.85	1.48	2.27
Basic EPS from Cont Ops	1.17	1.83	2.67	2.85	1.48	2.27
Diluted EPS, GAAP	1.17	1.83	2.67	2.84	1.48	2.27
Diluted EPS from Cont Ops	1.17	1.83	2.67	2.84	1.48	2.27
Dividend per Share	0.12	0.16	0.16	0.16	0.24	0.24
Cash Flow per Share	1.04	-0.77	6.39	4.11	2.92	2.07
Free Cash Flow per Basic Share	0.51	-0.91	5.85	3.61	2.81	1.96
Cash & Equivalents per Share	11.13	12.79	18.32	5.3	5.72	5.65
Book Value per Share	21.6	23.52	25.3	23.1	24.46	27.07
Tangible Book Value per Share	20.86	22.78	24.56	22.53	23.9	26.5

Profitability (USD)

Profitability Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	- -	8.13	10.95	11.05	6.21	8.82
Return on Assets (%)	- -	0.68	0.8	0.78	0.45	0.66
Return on Capital (%)	- -	5.67	7.77	8.52	4.49	6.17
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.7	20.7	26.65	30.22	19.77	26.24
Profit Margin (%)	13.08	14.97	19.53	22.23	14.94	19.71
Net Income to Common Margin (%)	13.08	14.97	19.53	22.23	14.94	19.71
Effective Tax Rate (%)	26.08	27.68	26.7	26.43	24.41	24.91
Dvd Payout Ratio (%)	10.26	8.73	5.99	5.63	16.25	10.56
Sustainable Growth Rate (%)	- -	7.42	10.29	10.43	5.2	7.89

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	18	26	19	18	35	29
ST Debt	- -	- -	- -	- -	- -	- -
LT Debt	18	26	19	18	35	29
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.41	7.7	6.96	7.22	7.21	7.75
Long-Term Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Long-Term Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Long-Term Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
Total Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Total Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Total Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
Net Debt to Equity	-51.54	-54.35	-72.43	-22.93	-23.39	-20.89
Net Debt/Capital (%)	-60.3	-57.44	-118.86	-22.15	-18.53	-18.04
EBITDA	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.41	7.7	6.96	7.22	7.21	7.75
Long-Term Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Long-Term Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Long-Term Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
Total Debt/Equity (%)	37.01	48.97	33.37	26.44	49.67	36.73
Total Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Total Debt/Total Assets (%)	3.48	3.77	2.32	1.91	3.58	2.84
CFO/Total Liabilities	0.5	-0.27	1.89	1.15	0.93	0.64
CFO/CapEx	1.97	-5.36	11.91	8.24	25.42	19.63
Altman's Z-Score	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	49	42	55	58	49	70
- Cash & Cash Equivalents	25	29	41	15	17	17
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	18	26	19	18	35	29
Enterprise Value	42	39	32	60	67	83
Total Capital	67	79	76	85	107	108
Total Debt/Capital (%)	27.01	32.87	25.02	20.91	33.19	26.86
Total Debt / EV	0.43	0.66	0.59	0.3	0.52	0.35
EV/Sales	2.1	1.43	1.05	1.95	2.35	2.46
EV/EBITDA	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	17.96	- -	2.26	6.08	7.94	13.71
EV/Free Cash Flow to Firm	36.42	- -	2.46	6.92	8.27	14.44
Diluted Market Cap	49	42	55	48	49	70
Diluted Enterprise Value	42	39	32	50	67	83
EV per Share	18.73	17.48	14.42	20.69	23.18	28.29
TTM Sales	20	28	31	31	29	34
TTM EBITDA	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	-2	14	10	8	6
TTM Free Cash Flow to Firm	1	-2	13	9	8	6

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	42.5	-20.6	4.15	5.52	5.96	12.27
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	42	39	32	60	67	83
Low Price	18.05	15.65	19	19.85	13.26	16.55
EV/Sales	2.1	1.43	1.05	1.95	2.35	2.46
EV/EBITDA	- -	- -	- -	- -	- -	- -
Price/Earnings	18.71	10.23	9.09	6.98	11.34	10.56
Price/Earnings Average	17.72	10	8.18	7.77	11.46	8.67
Price/Earnings High	19.67	12.33	10.48	9.12	13.98	10.56
Price/Earnings Low	15.44	8.54	7.11	6.97	8.98	7.28
Price/Book Value	1.01	0.8	0.96	0.86	0.68	0.89
Price/Book Value Average	0.96	0.78	0.86	0.96	0.69	0.73
Price/Book Value High	1.06	0.96	1.11	1.12	0.84	0.89
Price/Book Value Low	0.84	0.67	0.75	0.86	0.54	0.61
Price/Tangible Book Value	1.05	0.82	0.99	0.88	0.7	0.91
Price/Tangible Book Value Average	0.99	0.8	0.89	0.98	0.71	0.74
Price/Tangible Book Value High	1.1	0.99	1.14	1.15	0.86	0.91
Price/Tangible Book Value Low	0.87	0.69	0.77	0.88	0.55	0.62
Price/Sales	2.45	1.53	1.78	1.55	1.69	2.08
Price/Sales Average	2.32	1.5	1.6	1.73	1.71	1.71
Price/Sales High	2.57	1.85	2.05	2.03	2.09	2.08
Price/Sales Low	2.02	1.28	1.39	1.55	1.34	1.44
Price/Cash Flow	20.96	-24.45	3.8	4.84	5.73	11.61
Price/Cash Flow Average	19.85	-23.9	3.42	5.39	5.79	9.53
Price/Cash Flow High	22.04	-29.47	4.38	6.32	7.06	11.61
Price/Cash Flow Low	17.3	-20.41	2.98	4.84	4.54	8.01
Price/Free Cash Flow Average	40.25	-20.14	3.74	6.14	6.03	10.08
Price/Free Cash Flow High	44.7	-24.83	4.79	7.2	7.35	12.27
Price/Free Cash Flow Low	35.08	-17.2	3.25	5.51	4.72	8.46
EV/Sales Average	1.97	1.39	0.88	2.16	2.37	2.08
EV/Sales High	2.22	1.74	1.32	2.52	2.74	2.46
EV/Sales Low	1.67	1.17	0.67	1.95	1.99	1.81
EV/EBITDA Average	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	21.87	18.75	24.3	19.88	16.75	24
High Price	23	22.6	28	25.95	20.65	24
Enterprise Value Average	40	38	27	67	68	70
Enterprise Value High	45	48	41	78	79	83
Enterprise Value Low	34	32	21	60	57	61

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Shares Outstanding	2	2	2	3	3	3
Diluted Weighted Avg Shares	2	2	2	2	3	3
Basic Weighted Avg Shares	2	2	2	2	3	3
Revenue per Share	8.94	12.24	13.68	12.8	9.89	11.53
EBITDA per Share	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.17	1.83	2.67	2.85	1.48	2.27
Basic EPS from Cont Ops	1.17	1.83	2.67	2.85	1.48	2.27
Diluted EPS, GAAP	1.17	1.83	2.67	2.84	1.48	2.27
Diluted EPS from Cont Ops	1.17	1.83	2.67	2.84	1.48	2.27
Dividend per Share	0.12	0.16	0.16	0.16	0.24	0.24
Cash Flow per Share	1.04	-0.77	6.39	4.11	2.92	2.07
Free Cash Flow per Basic Share	0.51	-0.91	5.85	3.61	2.81	1.96
Cash & Equivalents per Share	11.13	12.79	18.32	5.3	5.72	5.65
Book Value per Share	21.6	23.52	25.3	23.1	24.46	27.07
Tangible Book Value per Share	20.86	22.78	24.56	22.53	23.9	26.5