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 0.46
CHFC's Cash to Debt is ranked higher than
64% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CHFC: 0.46 )
CHFC' s 10-Year Cash to Debt Range
Min: 0.29   Max: 10.5
Current: 0.46

0.29
10.5
Equity to Asset 0.13
CHFC's Equity to Asset is ranked higher than
87% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CHFC: 0.13 )
CHFC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.14
Current: 0.13

0.1
0.14
Interest Coverage 4.66
CHFC's Interest Coverage is ranked higher than
90% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CHFC: 4.66 )
CHFC' s 10-Year Interest Coverage Range
Min: 0.26   Max: 4.66
Current: 4.66

0.26
4.66
F-Score: 5
Z-Score: 0.23
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 (%) 31.55
CHFC's Operating margin (%) is ranked higher than
77% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. CHFC: 31.55 )
CHFC' s 10-Year Operating margin (%) Range
Min: 6.34   Max: 47.02
Current: 31.55

6.34
47.02
Net-margin (%) 22.10
CHFC's Net-margin (%) is ranked higher than
76% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. CHFC: 22.10 )
CHFC' s 10-Year Net-margin (%) Range
Min: 5.3   Max: 31.15
Current: 22.1

5.3
31.15
ROE (%) 8.16
CHFC's ROE (%) is ranked higher than
75% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. CHFC: 8.16 )
CHFC' s 10-Year ROE (%) Range
Min: 2.11   Max: 12.77
Current: 8.16

2.11
12.77
ROA (%) 0.92
CHFC's ROA (%) is ranked higher than
80% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CHFC: 0.92 )
CHFC' s 10-Year ROA (%) Range
Min: 0.24   Max: 1.54
Current: 0.92

0.24
1.54
ROC (Joel Greenblatt) (%) 88.21
CHFC's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. CHFC: 88.21 )
CHFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 22.16   Max: 196.04
Current: 88.21

22.16
196.04
Revenue Growth (%) 3.80
CHFC's Revenue Growth (%) is ranked higher than
83% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHFC: 3.80 )
CHFC' s 10-Year Revenue Growth (%) Range
Min: -8.6   Max: 24.3
Current: 3.8

-8.6
24.3
EBITDA Growth (%) 26.60
CHFC's EBITDA Growth (%) is ranked higher than
91% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CHFC: 26.60 )
CHFC' s 10-Year EBITDA Growth (%) Range
Min: -34.8   Max: 51.2
Current: 26.6

-34.8
51.2
EPS Growth (%) 31.50
CHFC's EPS Growth (%) is ranked higher than
91% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CHFC: 31.50 )
CHFC' s 10-Year EPS Growth (%) Range
Min: -39.3   Max: 63.9
Current: 31.5

-39.3
63.9
» CHFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

CHFC Guru Trades in Q3 2013

Jim Simons 29,600 sh (-29.02%)
David Dreman 51,330 sh (-82.96%)
» More
Q4 2013

CHFC Guru Trades in Q4 2013

David Dreman 58,391 sh (+13.76%)
Jim Simons 7,500 sh (-74.66%)
» More
Q1 2014

CHFC Guru Trades in Q1 2014

David Dreman 60,296 sh (+3.26%)
Jim Simons 6,300 sh (-16%)
» More
Q2 2014

CHFC Guru Trades in Q2 2014

Paul Tudor Jones 23,802 sh (New)
Jim Simons 17,432 sh (+176.7%)
David Dreman 58,901 sh (-2.31%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-09-30 Reduce -82.96%0.19%$26.91 - $31.03 $ 28.660%51330
David Dreman 2012-03-31 Add 54.2%0.06%$21.18 - $24.19 $ 28.6636%371907
David Dreman 2011-12-31 New Buy0.12%$14.7 - $21.78 $ 28.6649%241178
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
CHFC's P/E(ttm) is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. CHFC: 14.20 )
CHFC' s 10-Year P/E(ttm) Range
Min: 10.58   Max: 95.97
Current: 14.2

10.58
95.97
P/B 1.10
CHFC's P/B is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CHFC: 1.10 )
CHFC' s 10-Year P/B Range
Min: 0.72   Max: 2.12
Current: 1.1

0.72
2.12
P/S 3.30
CHFC's P/S is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. CHFC: 3.30 )
CHFC' s 10-Year P/S Range
Min: 1.83   Max: 5.74
Current: 3.3

1.83
5.74
PFCF 10.40
CHFC's PFCF is ranked higher than
77% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. CHFC: 10.40 )
CHFC' s 10-Year PFCF Range
Min: 4.55   Max: 46.18
Current: 10.4

4.55
46.18
EV-to-EBIT 12.88
CHFC's EV-to-EBIT is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. CHFC: 12.88 )
CHFC' s 10-Year EV-to-EBIT Range
Min: 2.8   Max: 124.7
Current: 12.88

2.8
124.7
PEG 0.37
CHFC's PEG is ranked higher than
96% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CHFC: 0.37 )
CHFC' s 10-Year PEG Range
Min: 0.32   Max: 8.05
Current: 0.37

0.32
8.05
Shiller P/E 21.10
CHFC's Shiller P/E is ranked higher than
72% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. CHFC: 21.10 )
CHFC' s 10-Year Shiller P/E Range
Min: 8.53   Max: 25.02
Current: 21.1

8.53
25.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.20
CHFC's Dividend Yield is ranked higher than
68% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. CHFC: 3.20 )
CHFC' s 10-Year Dividend Yield Range
Min: 2.47   Max: 7.44
Current: 3.2

2.47
7.44
Dividend Payout 0.45
CHFC's Dividend Payout is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. CHFC: 0.45 )
CHFC' s 10-Year Dividend Payout Range
Min: 0.24   Max: 4.47
Current: 0.45

0.24
4.47
Dividend growth (3y) 2.80
CHFC's Dividend growth (3y) is ranked higher than
72% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. CHFC: 2.80 )
CHFC' s 10-Year Dividend growth (3y) Range
Min: -12.2   Max: 15.9
Current: 2.8

-12.2
15.9
Yield on cost (5-Year) 2.39
CHFC's Yield on cost (5-Year) is ranked lower than
54% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. CHFC: 2.39 )
CHFC' s 10-Year Yield on cost (5-Year) Range
Min: 1.84   Max: 5.55
Current: 2.39

1.84
5.55
Share Buyback Rate -2.50
CHFC's Share Buyback Rate is ranked higher than
70% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CHFC: -2.50 )
CHFC' s 10-Year Share Buyback Rate Range
Min: 2.7   Max: -14.7
Current: -2.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
CHFC's Price/Tangible Book is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CHFC: 1.30 )
CHFC' s 10-Year Price/Tangible Book Range
Min: 0.93   Max: 4.94
Current: 1.3

0.93
4.94
Price/DCF (Projected) 0.70
CHFC's Price/DCF (Projected) is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CHFC: 0.70 )
CHFC' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 2.32
Current: 0.7

0.4
2.32
Price/Median PS Value 1.00
CHFC's Price/Median PS Value is ranked higher than
81% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CHFC: 1.00 )
CHFC' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 1.83
Current: 1

0.58
1.83
Price/Peter Lynch Fair Value 0.60
CHFC's Price/Peter Lynch Fair Value is ranked higher than
96% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CHFC: 0.60 )
CHFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.55   Max: 3.46
Current: 0.6

0.55
3.46
Price/Graham Number 0.90
CHFC's Price/Graham Number is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHFC: 0.90 )
CHFC' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 3.13
Current: 0.9

0.66
3.13
Earnings Yield (Greenblatt) 7.80
CHFC's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CHFC: 7.80 )
CHFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 36
Current: 7.8

0.8
36
Forward Rate of Return (Yacktman) 45.42
CHFC's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. CHFC: 45.42 )
CHFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.5   Max: 53.3
Current: 45.42

-20.5
53.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:YC4.Germany
Chemical Financial Corporation 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 subsidiary bank, offers a full range of commercial banking services. These banking 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 products and corporate and personal trust and investment management services. The principal markets for the Corporation's commercial banking services are communities within Michigan in which the branches of the Corporation's subsidiary bank are located and the areas immediately surrounding those communities. As of December 31, 2009, the Corporation operated through one subsidiary bank, Chemical Bank, headquartered in Midland, Michigan, serving 90 communities through 129 banking offices located in 31 counties across Michigan's lower peninsula. In addition to its banking offices, the Corporation operated three loan production offices and 140 automated teller machines, both on- and off-bank premises. Chemical Bank operates through an internal organizational structure of four regional banking units. Chemical Bank's regional banking units are collections of branch banking offices organized by geographical regions within the State of Michigan. The business of banking is competitive. In addition to competition from other commercial banks, banks face significant competition from nonbank financial institutions. In addition to competition from other commercial banks, banks face significant competition from non-bank financial institutions, including savings and loan associations, credit unions, finance companies, insurance companies and investment firms.
» 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 

More From Other Websites
Nasdaq stocks posting largest volume increases Sep 02 2014
Chemical Bank® Partners With First Bankcard® to Launch Dream® MasterCard® Aug 21 2014
Chemical Financial Corporation Increases Cash Dividend Aug 19 2014
CHEMICAL FINANCIAL CORP Financials Jul 31 2014
CHEMICAL FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Jul 24 2014
Why Chemical Financial (CHFC) Stock Is Rising Today Jul 23 2014
CHEMICAL FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 23 2014
Chemical Financial Corporation Reports 2014 Second Quarter Operating Results Jul 23 2014
Q2 2014 Chemical Financial Corp Earnings Release - Before Market Open Jul 23 2014
CHEMICAL FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 17 2014
Chemical Financial Corporation Announces Second Quarter 2014 Earnings Conference Call Jul 17 2014
CHEMICAL FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 30 2014
Chemical Financial Corporation Announces Underwriters' Exercise of Over-Allotment Option Jun 30 2014
CHEMICAL FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 24 2014
Chemical Financial Corporation Announces Closing of $70 Million Public Offering of Common Stock Jun 24 2014
CHEMICAL FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Jun 19 2014
Chemical Financial Corporation Announces Pricing of $70 Million Public Offering of Common Stock Jun 19 2014
Chemical Financial files to sell $70M of common stock Jun 18 2014
CHEMICAL FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 18 2014
Chemical Financial Corporation Announces $70 Million Public Offering of Common Stock Jun 18 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

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)
Free 7-day Trial
FEEDBACK