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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.85
CHEV's Cash to Debt is ranked higher than
79% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. CHEV: 1.85 )
CHEV' s 10-Year Cash to Debt Range
Min: 0.1   Max: 5.37
Current: 1.85

0.1
5.37
Equity to Asset 0.17
CHEV's Equity to Asset is ranked higher than
95% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CHEV: 0.17 )
CHEV' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.28
Current: 0.17

0.12
0.28
Interest Coverage 1.26
CHEV's Interest Coverage is ranked higher than
67% of the 1886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CHEV: 1.26 )
CHEV' s 10-Year Interest Coverage Range
Min: 0.14   Max: 1.26
Current: 1.26

0.14
1.26
F-Score: 7
Z-Score: 0.32
WACC vs ROIC
6.42%
3.29%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 23.56
CHEV's Operating margin (%) is ranked higher than
66% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. CHEV: 23.56 )
CHEV' s 10-Year Operating margin (%) Range
Min: -831.77   Max: 26.66
Current: 23.56

-831.77
26.66
Net-margin (%) 16.40
CHEV's Net-margin (%) is ranked higher than
65% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.13 vs. CHEV: 16.40 )
CHEV' s 10-Year Net-margin (%) Range
Min: 8.1   Max: 465.69
Current: 16.4

8.1
465.69
ROE (%) 3.28
CHEV's ROE (%) is ranked higher than
56% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. CHEV: 3.28 )
CHEV' s 10-Year ROE (%) Range
Min: 1.32   Max: 6.88
Current: 3.28

1.32
6.88
ROA (%) 0.53
CHEV's ROA (%) is ranked higher than
65% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CHEV: 0.53 )
CHEV' s 10-Year ROA (%) Range
Min: 0.23   Max: 1.01
Current: 0.53

0.23
1.01
ROC (Joel Greenblatt) (%) 39.18
CHEV's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.54 vs. CHEV: 39.18 )
CHEV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.37   Max: 163.15
Current: 39.18

10.37
163.15
Revenue Growth (3Y)(%) 9.20
CHEV's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1760 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CHEV: 9.20 )
CHEV' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 30.8
Current: 9.2

0
30.8
EBITDA Growth (3Y)(%) 9.50
CHEV's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. CHEV: 9.50 )
CHEV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 48.9
Current: 9.5

0
48.9
EPS Growth (3Y)(%) 6.60
CHEV's EPS Growth (3Y)(%) is ranked higher than
74% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. CHEV: 6.60 )
CHEV' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 51.3
Current: 6.6

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%)



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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 33.00
CHEV's P/E(ttm) is ranked higher than
64% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. CHEV: 33.00 )
CHEV' s 10-Year P/E(ttm) Range
Min: 16.86   Max: 200.83
Current: 33

16.86
200.83
Forward P/E 16.78
CHEV's Forward P/E is ranked higher than
69% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.73 vs. CHEV: 16.78 )
N/A
PE(NRI) 33.20
CHEV's PE(NRI) is ranked higher than
67% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. CHEV: 33.20 )
CHEV' s 10-Year PE(NRI) Range
Min: 16.76   Max: 200.83
Current: 33.2

16.76
200.83
P/B 1.10
CHEV's P/B is ranked higher than
76% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CHEV: 1.10 )
CHEV' s 10-Year P/B Range
Min: 0.59   Max: 1.77
Current: 1.1

0.59
1.77
P/S 5.40
CHEV's P/S is ranked higher than
51% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CHEV: 5.40 )
CHEV' s 10-Year P/S Range
Min: 3.25   Max: 24.87
Current: 5.4

3.25
24.87
PFCF 21.60
CHEV's PFCF is ranked higher than
75% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHEV: 21.60 )
CHEV' s 10-Year PFCF Range
Min: 7.41   Max: 441
Current: 21.6

7.41
441
POCF 18.82
CHEV's POCF is ranked higher than
75% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 41.60 vs. CHEV: 18.82 )
CHEV' s 10-Year POCF Range
Min: 6.45   Max: 313.33
Current: 18.82

6.45
313.33
EV-to-EBIT 20.97
CHEV's EV-to-EBIT is ranked higher than
70% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.72 vs. CHEV: 20.97 )
CHEV' s 10-Year EV-to-EBIT Range
Min: 10.6   Max: 497.8
Current: 20.97

10.6
497.8
PEG 1.58
CHEV's PEG is ranked higher than
90% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHEV: 1.58 )
CHEV' s 10-Year PEG Range
Min: 0.77   Max: 28.23
Current: 1.58

0.77
28.23
Shiller P/E 46.80
CHEV's Shiller P/E is ranked higher than
74% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHEV: 46.80 )
CHEV' s 10-Year Shiller P/E Range
Min: 34.23   Max: 57.65
Current: 46.8

34.23
57.65
Days Sales Outstanding 35.01
CHEV's Days Sales Outstanding is ranked higher than
86% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHEV: 35.01 )
CHEV' s 10-Year Days Sales Outstanding Range
Min: 35.01   Max: 431.04
Current: 35.01

35.01
431.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
CHEV's Dividend Yield is ranked lower than
51% of the 1924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. CHEV: 2.40 )
CHEV' s 10-Year Dividend Yield Range
Min: 0.9   Max: 3.54
Current: 2.4

0.9
3.54
Dividend Payout 0.77
CHEV's Dividend Payout is ranked higher than
62% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CHEV: 0.77 )
CHEV' s 10-Year Dividend Payout Range
Min: 0.71   Max: 1.71
Current: 0.77

0.71
1.71
Yield on cost (5-Year) 2.40
CHEV's Yield on cost (5-Year) is ranked lower than
54% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. CHEV: 2.40 )
CHEV' s 10-Year Yield on cost (5-Year) Range
Min: 0.9   Max: 3.54
Current: 2.4

0.9
3.54
Share Buyback Rate 9.00
CHEV's Share Buyback Rate is ranked higher than
97% of the 1468 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.10 vs. CHEV: 9.00 )
CHEV' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.1
Current: 9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
CHEV's Price/Tangible Book is ranked higher than
77% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CHEV: 1.20 )
CHEV' s 10-Year Price/Tangible Book Range
Min: 0.67   Max: 1.75
Current: 1.2

0.67
1.75
Price/DCF (Projected) 0.80
CHEV's Price/DCF (Projected) is ranked higher than
84% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHEV: 0.80 )
CHEV' s 10-Year Price/DCF (Projected) Range
Min: 0.55   Max: 1.15
Current: 0.8

0.55
1.15
Price/Median PS Value 0.80
CHEV's Price/Median PS Value is ranked higher than
94% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CHEV: 0.80 )
CHEV' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 3.42
Current: 0.8

0.52
3.42
Price/Peter Lynch Fair Value 2.70
CHEV's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHEV: 2.70 )
CHEV' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.83   Max: 8.03
Current: 2.7

0.83
8.03
Price/Graham Number 1.30
CHEV's Price/Graham Number is ranked higher than
68% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CHEV: 1.30 )
CHEV' s 10-Year Price/Graham Number Range
Min: 0.83   Max: 2.59
Current: 1.3

0.83
2.59
Earnings Yield (Greenblatt) 4.90
CHEV's Earnings Yield (Greenblatt) is ranked higher than
63% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CHEV: 4.90 )
CHEV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 9.5
Current: 4.9

0.2
9.5
Forward Rate of Return (Yacktman) 15.52
CHEV's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CHEV: 15.52 )
CHEV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.7   Max: 30.5
Current: 15.52

0.7
30.5

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 NAS: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
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CHEVIOT FINANCIAL CORP. Financials Mar 19 2015
CHEVIOT FINANCIAL CORP. Files SEC form 10-K, Annual Report Mar 12 2015
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Cheviot Financial Corp. Reports Fourth-Quarter and Annual Earnings Feb 09 2015
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CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial Condition, Change in... Feb 03 2015
Cheviot Financial Corp. Reports Fourth-Quarter and Annual Earnings Feb 03 2015
Cheviot Financial Corp. Announces Retirement of President and Chief Executive Officer Feb 03 2015
CHEVIOT FINANCIAL CORP. ANNOUNCES DIVIDEND Nov 25 2014
Cheviot Financial Corp. Reports Third-Quarter Earnings Nov 25 2014
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Change in Directors or Principal Officers Nov 20 2014
CHEVIOT FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Nov 12 2014
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 03 2014
CHEVIOT FINANCIAL CORP. Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Oct 23 2014
CHEVIOT FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Aug 12 2014
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