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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 1.93
CHBH's Cash to Debt is ranked higher than
55% of the 974 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. CHBH: 1.93 )
CHBH' s 10-Year Cash to Debt Range
Min: 0.26   Max: 3.25
Current: 1.93

0.26
3.25
Equity to Asset 0.10
CHBH's Equity to Asset is ranked higher than
50% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHBH: 0.10 )
CHBH' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.12
Current: 0.1

0.09
0.12
Interest Coverage 2.43
CHBH's Interest Coverage is ranked higher than
61% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CHBH: 2.43 )
CHBH' s 10-Year Interest Coverage Range
Min: 0.45   Max: 2.43
Current: 2.43

0.45
2.43
F-Score: 5
Z-Score: 0.21
WACC vs ROIC
6.72%
7.24%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 21.20
CHBH's Operating margin (%) is ranked lower than
69% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. CHBH: 21.20 )
CHBH' s 10-Year Operating margin (%) Range
Min: -527.27   Max: 42.08
Current: 21.2

-527.27
42.08
Net-margin (%) 17.66
CHBH's Net-margin (%) is ranked lower than
62% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. CHBH: 17.66 )
CHBH' s 10-Year Net-margin (%) Range
Min: 14.62   Max: 207.26
Current: 17.66

14.62
207.26
ROE (%) 5.84
CHBH's ROE (%) is ranked lower than
66% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. CHBH: 5.84 )
CHBH' s 10-Year ROE (%) Range
Min: 5.6   Max: 12.32
Current: 5.84

5.6
12.32
ROA (%) 0.61
CHBH's ROA (%) is ranked lower than
63% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CHBH: 0.61 )
CHBH' s 10-Year ROA (%) Range
Min: 0.61   Max: 1.37
Current: 0.61

0.61
1.37
ROC (Joel Greenblatt) (%) 61.93
CHBH's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. CHBH: 61.93 )
CHBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -216.3   Max: 101.28
Current: 61.93

-216.3
101.28
Revenue Growth (3Y)(%) 4.80
CHBH's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CHBH: 4.80 )
CHBH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 106.5
Current: 4.8

0
106.5
EBITDA Growth (3Y)(%) -0.60
CHBH's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CHBH: -0.60 )
CHBH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 13.5
Current: -0.6

0
13.5
EPS Growth (3Y)(%) 2.60
CHBH's EPS Growth (3Y)(%) is ranked lower than
65% of the 1000 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CHBH: 2.60 )
CHBH' s 10-Year EPS Growth (3Y)(%) Range
Min: -30   Max: 17.7
Current: 2.6

-30
17.7
» CHBH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.90
CHBH's P/E(ttm) is ranked lower than
56% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHBH: 13.90 )
CHBH' s 10-Year P/E(ttm) Range
Min: 7.35   Max: 14.44
Current: 13.9

7.35
14.44
PE(NRI) 13.90
CHBH's PE(NRI) is ranked higher than
52% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. CHBH: 13.90 )
CHBH' s 10-Year PE(NRI) Range
Min: 7.35   Max: 14.44
Current: 13.9

7.35
14.44
P/B 1.00
CHBH's P/B is ranked higher than
52% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHBH: 1.00 )
CHBH' s 10-Year P/B Range
Min: 0.66   Max: 1.51
Current: 1

0.66
1.51
P/S 2.45
CHBH's P/S is ranked higher than
51% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHBH: 2.45 )
CHBH' s 10-Year P/S Range
Min: 1.76   Max: 3.9
Current: 2.45

1.76
3.9
PFCF 6.00
CHBH's PFCF is ranked higher than
56% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CHBH: 6.00 )
CHBH' s 10-Year PFCF Range
Min: 4.41   Max: 13.56
Current: 6

4.41
13.56
POCF 5.78
CHBH's POCF is ranked higher than
65% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. CHBH: 5.78 )
CHBH' s 10-Year POCF Range
Min: 4.33   Max: 10.81
Current: 5.78

4.33
10.81
EV-to-EBIT 12.71
CHBH's EV-to-EBIT is ranked higher than
58% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.37 vs. CHBH: 12.71 )
CHBH' s 10-Year EV-to-EBIT Range
Min: 0.5   Max: 15.6
Current: 12.71

0.5
15.6
Shiller P/E 13.70
CHBH's Shiller P/E is ranked higher than
56% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. CHBH: 13.70 )
CHBH' s 10-Year Shiller P/E Range
Min: 7.28   Max: 16.18
Current: 13.7

7.28
16.18
Days Sales Outstanding 44.85
CHBH's Days Sales Outstanding is ranked lower than
61% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.65 vs. CHBH: 44.85 )
CHBH' s 10-Year Days Sales Outstanding Range
Min: 31.91   Max: 638.87
Current: 44.85

31.91
638.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.72
CHBH's Dividend Yield is ranked higher than
56% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. CHBH: 3.72 )
CHBH' s 10-Year Dividend Yield Range
Min: 2.63   Max: 6.99
Current: 3.72

2.63
6.99
Dividend Payout 0.37
CHBH's Dividend Payout is ranked lower than
67% of the 1089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.28 vs. CHBH: 0.37 )
CHBH' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.63
Current: 0.37

0.11
0.63
Dividend growth (3y) -9.10
CHBH's Dividend growth (3y) is ranked lower than
81% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CHBH: -9.10 )
CHBH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 72.6
Current: -9.1

0
72.6
Yield on cost (5-Year) 3.21
CHBH's Yield on cost (5-Year) is ranked lower than
73% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.46 vs. CHBH: 3.21 )
CHBH' s 10-Year Yield on cost (5-Year) Range
Min: 2.28   Max: 6.06
Current: 3.21

2.28
6.06
Share Buyback Rate -0.70
CHBH's Share Buyback Rate is ranked higher than
58% of the 915 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. CHBH: -0.70 )
CHBH' s 10-Year Share Buyback Rate Range
Min: 2.6   Max: -44.4
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
CHBH's Price/Tangible Book is ranked lower than
72% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHBH: 1.40 )
CHBH' s 10-Year Price/Tangible Book Range
Min: 0.86   Max: 2.15
Current: 1.4

0.86
2.15
Price/DCF (Projected) 0.40
CHBH's Price/DCF (Projected) is ranked higher than
78% of the 778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CHBH: 0.40 )
CHBH' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 0.81
Current: 0.4

0.42
0.81
Price/Median PS Value 1.00
CHBH's Price/Median PS Value is ranked higher than
61% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHBH: 1.00 )
CHBH' s 10-Year Price/Median PS Value Range
Min: 0.76   Max: 11.42
Current: 1

0.76
11.42
Price/Graham Number 1.10
CHBH's Price/Graham Number is ranked lower than
81% of the 1193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHBH: 1.10 )
CHBH' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 1.29
Current: 1.1

0.63
1.29
Earnings Yield (Greenblatt) 7.90
CHBH's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CHBH: 7.90 )
CHBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.4   Max: 185.8
Current: 7.9

6.4
185.8
Forward Rate of Return (Yacktman) 16.82
CHBH's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. CHBH: 16.82 )
CHBH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.6   Max: 17.8
Current: 16.82

-0.6
17.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Croghan Bancshares Inc was incorporated on September 27, 1983 in the State of Ohio. The Corporation is a bank holding company and has one wholly-owned subsidiary, The Croghan Colonial Bank. The Corporation, through its subsidiary, the Bank, operates in one industry segment, the commercial banking industry. The Bank conducts a general banking business embracing the usual functions of commercial, retail, and savings banking, including time, savings, money market and demand deposits; commercial, industrial, agricultural, real estate, consumer installment and credit card lending; safe deposit box rental; automatic teller machines; trust department services; and other services tailored for individual customers. The Bank originates and services secured and unsecured loans to individuals, firms and corporations. Direct loans are made to individuals and installment obligations are purchased from retailers, both with and without recourse. The Bank makes a number of residential, industrial, commercial and agricultural loans secured by real estate, including interim construction financing. Additionally, investment products bearing no FDIC insurance are offered through the Bank's Trust and Investment Services Division. The Bank competes for commercial and individual deposits and/or loans with other commercial banks in Huron, Ottawa, Sandusky, Seneca, and Wood counties in Northwestern Ohio, as well as with savings and loan associations in the trade area, credit unions, brokerage firms, mutual funds, and loan production offices and other financial units of non-local bank holding companies. The Corporation is subject to regulation, supervision, and examination by the Board of Governors of the Federal Reserve System.

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