Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 1.84
CHEV's Cash to Debt is ranked higher than
54% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CHEV: 1.84 )
Ranked among companies with meaningful Cash to Debt only.
CHEV' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.38 Max: N/A
Current: 1.84
Equity to Asset 0.17
CHEV's Equity to Asset is ranked higher than
90% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHEV: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
CHEV' s 10-Year Equity to Asset Range
Min: 0.12  Med: 0.20 Max: 0.28
Current: 0.17
0.12
0.28
Interest Coverage 1.26
CHEV's Interest Coverage is ranked lower than
56% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CHEV: 1.26 )
Ranked among companies with meaningful Interest Coverage only.
CHEV' s 10-Year Interest Coverage Range
Min: 0.14  Med: 0.53 Max: 1.26
Current: 1.26
0.14
1.26
F-Score: 5
WACC vs ROIC
6.34%
2.50%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 18.61
CHEV's Operating margin (%) is ranked lower than
75% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CHEV: 18.61 )
Ranked among companies with meaningful Operating margin (%) only.
CHEV' s 10-Year Operating margin (%) Range
Min: -831.77  Med: 21.13 Max: 26.66
Current: 18.61
-831.77
26.66
Net-margin (%) 12.63
CHEV's Net-margin (%) is ranked lower than
78% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CHEV: 12.63 )
Ranked among companies with meaningful Net-margin (%) only.
CHEV' s 10-Year Net-margin (%) Range
Min: 8.1  Med: 16.40 Max: 465.69
Current: 12.63
8.1
465.69
ROE (%) 2.39
CHEV's ROE (%) is ranked lower than
86% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CHEV: 2.39 )
Ranked among companies with meaningful ROE (%) only.
CHEV' s 10-Year ROE (%) Range
Min: 1.32  Med: 2.58 Max: 6.88
Current: 2.39
1.32
6.88
ROA (%) 0.40
CHEV's ROA (%) is ranked lower than
77% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CHEV: 0.40 )
Ranked among companies with meaningful ROA (%) only.
CHEV' s 10-Year ROA (%) Range
Min: 0.23  Med: 0.54 Max: 1.01
Current: 0.4
0.23
1.01
Revenue Growth (3Y)(%) 9.20
CHEV's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CHEV: 9.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CHEV' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.55 Max: 30.8
Current: 9.2
0
30.8
EBITDA Growth (3Y)(%) 9.50
CHEV's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CHEV: 9.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CHEV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.70 Max: 48.9
Current: 9.5
0
48.9
EPS Growth (3Y)(%) 7.30
CHEV's EPS Growth (3Y)(%) is ranked lower than
57% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CHEV: 7.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CHEV' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -6.55 Max: 51.3
Current: 7.3
0
51.3
» CHEV's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with CHEV

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 41.11
CHEV's P/E(ttm) is ranked lower than
93% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CHEV: 41.11 )
Ranked among companies with meaningful P/E(ttm) only.
CHEV' s 10-Year P/E(ttm) Range
Min: 16.86  Med: 44.76 Max: 200.83
Current: 41.11
16.86
200.83
Forward P/E 16.78
CHEV's Forward P/E is ranked lower than
88% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. CHEV: 16.78 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 41.20
CHEV's PE(NRI) is ranked lower than
93% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CHEV: 41.20 )
Ranked among companies with meaningful PE(NRI) only.
CHEV' s 10-Year PE(NRI) Range
Min: 16.76  Med: 44.08 Max: 200.83
Current: 41.2
16.76
200.83
P/B 1.02
CHEV's P/B is ranked higher than
54% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CHEV: 1.02 )
Ranked among companies with meaningful P/B only.
CHEV' s 10-Year P/B Range
Min: 0.59  Med: 1.07 Max: 1.77
Current: 1.02
0.59
1.77
P/S 5.24
CHEV's P/S is ranked lower than
84% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CHEV: 5.24 )
Ranked among companies with meaningful P/S only.
CHEV' s 10-Year P/S Range
Min: 3.25  Med: 6.31 Max: 23.25
Current: 5.24
3.25
23.25
PFCF 37.69
CHEV's PFCF is ranked lower than
91% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CHEV: 37.69 )
Ranked among companies with meaningful PFCF only.
CHEV' s 10-Year PFCF Range
Min: 7.41  Med: 37.31 Max: 441
Current: 37.69
7.41
441
POCF 28.07
CHEV's POCF is ranked lower than
91% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. CHEV: 28.07 )
Ranked among companies with meaningful POCF only.
CHEV' s 10-Year POCF Range
Min: 6.45  Med: 28.96 Max: 470
Current: 28.07
6.45
470
EV-to-EBIT 22.60
CHEV's EV-to-EBIT is ranked lower than
76% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CHEV: 22.60 )
Ranked among companies with meaningful EV-to-EBIT only.
CHEV' s 10-Year EV-to-EBIT Range
Min: 10.6  Med: 40.50 Max: 105.3
Current: 22.6
10.6
105.3
PEG 1.96
CHEV's PEG is ranked lower than
72% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHEV: 1.96 )
Ranked among companies with meaningful PEG only.
CHEV' s 10-Year PEG Range
Min: 0.66  Med: 2.17 Max: 22.6
Current: 1.96
0.66
22.6
Shiller P/E 40.31
CHEV's Shiller P/E is ranked lower than
91% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CHEV: 40.31 )
Ranked among companies with meaningful Shiller P/E only.
CHEV' s 10-Year Shiller P/E Range
Min: 34.23  Med: 41.57 Max: 57.65
Current: 40.31
34.23
57.65
Days Sales Outstanding 37.61
CHEV's Days Sales Outstanding is ranked lower than
55% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CHEV: 37.61 )
Ranked among companies with meaningful Days Sales Outstanding only.
CHEV' s 10-Year Days Sales Outstanding Range
Min: 35.01  Med: 40.85 Max: 431.04
Current: 37.61
35.01
431.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.59
CHEV's Dividend Yield is ranked lower than
54% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. CHEV: 2.59 )
Ranked among companies with meaningful Dividend Yield only.
CHEV' s 10-Year Dividend Yield Range
Min: 0.9  Med: 2.85 Max: 3.54
Current: 2.59
0.9
3.54
Dividend Payout 1.08
CHEV's Dividend Payout is ranked lower than
94% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CHEV: 1.08 )
Ranked among companies with meaningful Dividend Payout only.
CHEV' s 10-Year Dividend Payout Range
Min: 0.5  Med: 0.79 Max: 2.25
Current: 1.08
0.5
2.25
Yield on cost (5-Year) 2.59
CHEV's Yield on cost (5-Year) is ranked lower than
61% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CHEV: 2.59 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CHEV' s 10-Year Yield on cost (5-Year) Range
Min: 0.9  Med: 2.85 Max: 3.54
Current: 2.59
0.9
3.54
Share Buyback Rate 9.00
CHEV's Share Buyback Rate is ranked higher than
98% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CHEV: 9.00 )
Ranked among companies with meaningful Share Buyback Rate only.
CHEV' s 10-Year Share Buyback Rate Range
Min: 0  Med: 4.45 Max: -0.1
Current: 9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
CHEV's Price/Tangible Book is ranked lower than
51% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CHEV: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
CHEV' s 10-Year Price/Tangible Book Range
Min: 0.67  Med: 1.16 Max: 1.75
Current: 1.14
0.67
1.75
Price/Projected FCF 0.79
CHEV's Price/Projected FCF is ranked lower than
64% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CHEV: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
CHEV' s 10-Year Price/Projected FCF Range
Min: 0.55  Med: 0.77 Max: 1.34
Current: 0.79
0.55
1.34
Price/Median PS Value 0.83
CHEV's Price/Median PS Value is ranked higher than
79% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CHEV: 0.83 )
Ranked among companies with meaningful Price/Median PS Value only.
CHEV' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.04 Max: 9.5
Current: 0.83
0.52
9.5
Price/Peter Lynch Fair Value 4.89
CHEV's Price/Peter Lynch Fair Value is ranked lower than
99% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CHEV: 4.89 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CHEV' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.79  Med: 2.54 Max: 10.13
Current: 4.89
0.79
10.13
Price/Graham Number 1.47
CHEV's Price/Graham Number is ranked lower than
90% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CHEV: 1.47 )
Ranked among companies with meaningful Price/Graham Number only.
CHEV' s 10-Year Price/Graham Number Range
Min: 0.7  Med: 1.53 Max: 3.47
Current: 1.47
0.7
3.47
Earnings Yield (Greenblatt) (%) 4.44
CHEV's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CHEV: 4.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CHEV' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 2.50 Max: 9.5
Current: 4.44
0.9
9.5
Forward Rate of Return (Yacktman) (%) 11.82
CHEV's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. CHEV: 11.82 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CHEV' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.4  Med: 13.70 Max: 36.5
Current: 11.82
-6.4
36.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Cheviot Financial Corp is incorporated in Maryland. It is a financial holding Company for Cheviot Savings Bank, which is a stock savings and loan association in Ohio. The business of Cheviot Financial Corp., consists of holding all of the outstanding common stock of Cheviot Savings Bank. The bank originates one- to four-family real estate loans, in addition to construction, multi-family, commercial real estate, and consumer loans. It also invests in United States Government Agency and mortgage-backed securities, among others. The Company conducts its operations from executive office in Cheviot, Ohio and 11 full-service branches, all of which are located in Hamilton County, Ohio. Hamilton County, Ohio represents its primary geographic market area for loans and deposits with its remaining business operations conducted in the larger Cincinnati metropolitan area which includes Warren, Butler and Clermont Counties. It also conducts a moderate level of business in the southeastern Indiana region, mainly in Dearborn, Ripley, Franklin and Ohio Counties. The Company also originates loans in the northern Kentucky region secured by properties in Campbell, Kenton and Boone Counties. It faces significant competition within its market both in making loans and attracting deposits. The Company is subject to regulation and supervision by the Federal Reserve Board, which replaced the Office of Thrift Supervision in that capacity due to the Dodd-Frank Act regulatory restructuring.
» More Articles for CHEV

Headlines

Articles On GuruFocus.com
Think Small Banks for Big Profits Apr 30 2014 
Bore Yourself All the Way to the Bank Feb 19 2014 
7 Small-Cap Dividend Stocks for Yield and Growth Sep 14 2011 
Cheviot Financial Corp Reports Operating Results (10-K) Mar 16 2011 
25 Dividend Stocks Raising Their Yield On Cost Feb 21 2011 
Cheviot Financial Corp Reports Operating Results (10-Q) Nov 12 2010 
Cheviot Financial Corp Reports Operating Results (10-Q) Aug 12 2010 
Cheviot Financial Corp Reports Operating Results (10-Q) May 14 2010 
Cheviot Financial Corp Reports Operating Results (10-Q) Nov 12 2009 
Cheviot Financial Corp Reports Operating Results (10-Q) Aug 12 2009 

More From Other Websites
CHEVIOT FINANCIAL CORP. Financials Aug 21 2015
Cheviot Financial Corp. Announces Dividend Aug 19 2015
CHEVIOT FINANCIAL CORP. ANNOUNCES NEW CHAIRMAN AND NEW EXECUTIVE SECRETARY OF ITS BOARD OF DIRECTORS Aug 13 2015
Cheviot Financial Corp. Announces New Chairman and New Executive Secretary of Its Board of Directors Aug 12 2015
CHEVIOT FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Aug 07 2015
Cheviot Financial Corp. Reports Second-Quarter Earnings Jul 24 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial Condition Jul 24 2015
Cheviot posts 2Q profit Jul 24 2015
Cheviot posts 2Q profit Jul 24 2015
Cheviot Financial Corp. Reports Second-Quarter Earnings Jul 24 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jul 10 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 01 2015
CHEVIOT FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report May 07 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 30 2015
Cheviot posts 1Q profit Apr 30 2015
Cheviot posts 1Q profit Apr 30 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 29 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... Apr 27 2015
CHEVIOT FINANCIAL CORP. Files SEC form 10-K, Annual Report Mar 12 2015
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 04 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK