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Also traded in: Germany

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 1.06
CHFC's Cash to Debt is ranked lower than
60% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. CHFC: 1.06 )
Ranked among companies with meaningful Cash to Debt only.
CHFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.29  Med: 1.00 Max: No Debt
Current: 1.06
Equity to Asset 0.11
CHFC's Equity to Asset is ranked higher than
61% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHFC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
CHFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.14
Current: 0.11
0.1
0.14
Interest Coverage 6.74
CHFC's Interest Coverage is ranked higher than
87% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CHFC: 6.74 )
Ranked among companies with meaningful Interest Coverage only.
CHFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.37 Max: 6.96
Current: 6.74
0.26
6.96
F-Score: 5
WACC vs ROIC
7.25%
8.27%
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 (%) 35.52
CHFC's Operating margin (%) is ranked higher than
62% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. CHFC: 35.52 )
Ranked among companies with meaningful Operating margin (%) only.
CHFC' s Operating margin (%) Range Over the Past 10 Years
Min: 6.34  Med: 30.77 Max: 40.21
Current: 35.52
6.34
40.21
Net-margin (%) 24.97
CHFC's Net-margin (%) is ranked higher than
59% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. CHFC: 24.97 )
Ranked among companies with meaningful Net-margin (%) only.
CHFC' s Net-margin (%) Range Over the Past 10 Years
Min: 5.3  Med: 21.71 Max: 27.17
Current: 24.97
5.3
27.17
ROE (%) 9.53
CHFC's ROE (%) is ranked higher than
59% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. CHFC: 9.53 )
Ranked among companies with meaningful ROE (%) only.
CHFC' s ROE (%) Range Over the Past 10 Years
Min: 2.07  Med: 8.00 Max: 9.58
Current: 9.53
2.07
9.58
ROA (%) 1.04
CHFC's ROA (%) is ranked higher than
62% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CHFC: 1.04 )
Ranked among companies with meaningful ROA (%) only.
CHFC' s ROA (%) Range Over the Past 10 Years
Min: 0.25  Med: 0.92 Max: 1.24
Current: 1.04
0.25
1.24
Revenue Growth (3Y)(%) 3.90
CHFC's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CHFC: 3.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CHFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.3  Med: 3.70 Max: 15.1
Current: 3.9
-1.3
15.1
EBITDA Growth (3Y)(%) 9.00
CHFC's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. CHFC: 9.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CHFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.9  Med: 7.80 Max: 51.4
Current: 9
-34.9
51.4
EPS Growth (3Y)(%) 8.90
CHFC's EPS Growth (3Y)(%) is ranked higher than
56% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CHFC: 8.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CHFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.4  Med: 7.90 Max: 64.2
Current: 8.9
-39.4
64.2
» CHFC's 10-Y Financials

Financials (Next Earnings Date: 2016-07-26)


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

» Details

Guru Trades

Q2 2015

CHFC Guru Trades in Q2 2015

Jim Simons 104,800 sh (+21.58%)
David Dreman 89,263 sh (+8.80%)
Barrow, Hanley, Mewhinney & Strauss 158,550 sh (+5.41%)
» More
Q3 2015

CHFC Guru Trades in Q3 2015

Jeremy Grantham 15,300 sh (New)
Jim Simons 183,454 sh (+75.05%)
David Dreman 101,138 sh (+13.30%)
Barrow, Hanley, Mewhinney & Strauss 106,098 sh (-33.08%)
» More
Q4 2015

CHFC Guru Trades in Q4 2015

Jeremy Grantham 39,700 sh (+159.48%)
Jim Simons 185,600 sh (+1.17%)
David Dreman Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
» More
Q1 2016

CHFC Guru Trades in Q1 2016

Paul Tudor Jones 27,600 sh (New)
David Dreman 101,945 sh (New)
Jeremy Grantham 126,800 sh (+219.40%)
Jim Simons 476,454 sh (+156.71%)
» More
» Details

Insider Trades

Latest Guru Trades with CHFC

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

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:ONB, NAS:BANR, NAS:FMBI, NAS:SFNC, NYSE:FCB, AMEX:PRK, NAS:RNST, NAS:NPBC, NAS:UCBI, NAS:CBF, NAS:TLMR, NAS:WABC, NAS:SFBS, NAS:EGBN, NAS:LTXB, NYSE:YDKN, NAS:COLB, NAS:SSB, NAS:FIBK, NAS:TRMK » details
Traded in other countries:YC4.Germany,
Chemical Financial Corp is a financial holding company, which through its subsidiary bank offers a full range of traditional banking and fiduciary products and services.

Chemical Financial Corp was incorporated in the State of Michigan under Michigan law in August 1973. It is a financial holding company with its business concentrated in a single industry segment commercial banking. The Corporation, through its wholly-owned subsidiary bank, Chemical Bank, offers a full range of traditional banking and fiduciary products and services. These products and services include business and personal checking accounts, savings and individual retirement accounts, time deposit instruments, electronically accessed banking products, residential and commercial real estate financing, commercial lending, consumer financing, debit cards, safe deposit box services, money transfer services, automated teller machines, access to insurance and investment products, corporate and personal wealth management services and other banking services. The principal markets for the Corporation's products and services are communities in Michigan where the branches of Chemical Bank are located and the areas immediately surrounding those communities. The business of banking is highly competitive. The Corporation and Chemical Bank are subject to extensive supervision and regulation under various federal and state laws.

Ratios

vs
industry
vs
history
P/E(ttm) 14.56
CHFC's P/E(ttm) is ranked lower than
63% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CHFC: 14.56 )
Ranked among companies with meaningful P/E(ttm) only.
CHFC' s P/E(ttm) Range Over the Past 10 Years
Min: 10.58  Med: 15.32 Max: 95.97
Current: 14.56
10.58
95.97
Forward P/E 13.19
CHFC's Forward P/E is ranked lower than
63% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CHFC: 13.19 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.56
CHFC's PE(NRI) is ranked lower than
64% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CHFC: 14.56 )
Ranked among companies with meaningful PE(NRI) only.
CHFC' s PE(NRI) Range Over the Past 10 Years
Min: 10.61  Med: 15.32 Max: 94.38
Current: 14.56
10.61
94.38
Price/Owner Earnings (ttm) 16.39
CHFC's Price/Owner Earnings (ttm) is ranked lower than
72% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. CHFC: 16.39 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CHFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.84  Med: 14.26 Max: 324.55
Current: 16.39
6.84
324.55
P/B 1.32
CHFC's P/B is ranked lower than
74% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CHFC: 1.32 )
Ranked among companies with meaningful P/B only.
CHFC' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 1.19 Max: 1.74
Current: 1.32
0.72
1.74
P/S 3.58
CHFC's P/S is ranked lower than
68% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CHFC: 3.58 )
Ranked among companies with meaningful P/S only.
CHFC' s P/S Range Over the Past 10 Years
Min: 1.81  Med: 3.16 Max: 4.84
Current: 3.58
1.81
4.84
PFCF 12.51
CHFC's PFCF is ranked lower than
65% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. CHFC: 12.51 )
Ranked among companies with meaningful PFCF only.
CHFC' s PFCF Range Over the Past 10 Years
Min: 4.47  Med: 11.36 Max: 59.27
Current: 12.51
4.47
59.27
POCF 11.49
CHFC's POCF is ranked lower than
68% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CHFC: 11.49 )
Ranked among companies with meaningful POCF only.
CHFC' s POCF Range Over the Past 10 Years
Min: 4.15  Med: 9.42 Max: 36.3
Current: 11.49
4.15
36.3
EV-to-EBIT 10.24
CHFC's EV-to-EBIT is ranked higher than
61% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. CHFC: 10.24 )
Ranked among companies with meaningful EV-to-EBIT only.
CHFC' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.8  Med: 11.50 Max: 124.7
Current: 10.24
2.8
124.7
EV-to-EBITDA 8.90
CHFC's EV-to-EBITDA is ranked higher than
64% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. CHFC: 8.90 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.3  Med: 10.00 Max: 48.8
Current: 8.9
2.3
48.8
PEG 0.95
CHFC's PEG is ranked higher than
55% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CHFC: 0.95 )
Ranked among companies with meaningful PEG only.
CHFC' s PEG Range Over the Past 10 Years
Min: 0.33  Med: 0.80 Max: 128.75
Current: 0.95
0.33
128.75
Shiller P/E 21.55
CHFC's Shiller P/E is ranked lower than
70% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. CHFC: 21.55 )
Ranked among companies with meaningful Shiller P/E only.
CHFC' s Shiller P/E Range Over the Past 10 Years
Min: 7.89  Med: 12.88 Max: 24.02
Current: 21.55
7.89
24.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.92
CHFC's Dividend Yield is ranked lower than
55% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CHFC: 2.92 )
Ranked among companies with meaningful Dividend Yield only.
CHFC' s Dividend Yield Range Over the Past 10 Years
Min: 2.57  Med: 3.65 Max: 7.44
Current: 2.92
2.57
7.44
Dividend Payout 0.42
CHFC's Dividend Payout is ranked higher than
54% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CHFC: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
CHFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.31  Med: 0.44 Max: 4.21
Current: 0.42
0.31
4.21
Dividend Growth (3y) 6.80
CHFC's Dividend Growth (3y) is ranked lower than
54% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. CHFC: 6.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CHFC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -12.2  Med: 5.50 Max: 13.1
Current: 6.8
-12.2
13.1
Forward Dividend Yield 2.96
CHFC's Forward Dividend Yield is ranked lower than
60% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. CHFC: 2.96 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.71
CHFC's Yield on cost (5-Year) is ranked higher than
50% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CHFC: 3.71 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CHFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.26  Med: 4.64 Max: 9.45
Current: 3.71
3.26
9.45
3-Year Average Share Buyback Ratio -11.50
CHFC's 3-Year Average Share Buyback Ratio is ranked lower than
79% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CHFC: -11.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CHFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.5  Med: -2.80 Max: 1.8
Current: -11.5
-15.5
1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.92
CHFC's Price/Tangible Book is ranked lower than
85% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CHFC: 1.92 )
Ranked among companies with meaningful Price/Tangible Book only.
CHFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.93  Med: 1.72 Max: 2.51
Current: 1.92
0.93
2.51
Price/Projected FCF 0.78
CHFC's Price/Projected FCF is ranked lower than
70% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. CHFC: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
CHFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.70 Max: 2.32
Current: 0.78
0.44
2.32
Price/Median PS Value 1.13
CHFC's Price/Median PS Value is ranked lower than
73% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CHFC: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
CHFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 1.13 Max: 1.88
Current: 1.13
0.58
1.88
Price/Peter Lynch Fair Value 1.34
CHFC's Price/Peter Lynch Fair Value is ranked lower than
75% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CHFC: 1.34 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CHFC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.54  Med: 1.55 Max: 3.46
Current: 1.34
0.54
3.46
Price/Graham Number 1.12
CHFC's Price/Graham Number is ranked lower than
79% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CHFC: 1.12 )
Ranked among companies with meaningful Price/Graham Number only.
CHFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 1.11 Max: 2.07
Current: 1.12
0.67
2.07
Earnings Yield (Greenblatt) (%) 9.73
CHFC's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CHFC: 9.73 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CHFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 8.70 Max: 36
Current: 9.73
0.8
36
Forward Rate of Return (Yacktman) (%) 18.60
CHFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
63% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. CHFC: 18.60 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CHFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -21.3  Med: 6.50 Max: 51.1
Current: 18.6
-21.3
51.1

More Statistics

Revenue (TTM) (Mil) $369.5
EPS (TTM) $ 2.44
Beta0.97
Short Percentage of Float9.65%
52-Week Range $29.40 - 40.14
Shares Outstanding (Mil)38.25

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.66 3.05
EPS w/o NRI ($) 2.66 3.05
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for CHFC

Headlines

Articles On GuruFocus.com
My 4 Favorite Stocks With Dividend Growth From Last Week Aug 25 2013 
For Over 50 Years This Little Insurance Company Has Paid Big Dividends Aug 27 2012 
Chemical Financial Corp. Reports Operating Results (10-Q) Nov 01 2010 
Chemical Financial Corp. Reports Operating Results (10-Q) Aug 05 2010 
Chemical Financial Corp. Reports Operating Results (10-Q) Apr 29 2010 
Chemical Financial Corp. Reports Operating Results (10-Q) Nov 05 2009 
Chemical Financial Corp. Reports Operating Results (10-Q) Aug 06 2009 
Chemical Financial Corp. Reports Operating Results (10-Q) May 07 2009 

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