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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 0.47
CHFC's Cash to Debt is ranked higher than
66% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. CHFC: 0.47 )
CHFC' s 10-Year Cash to Debt Range
Min: 0.29   Max: 10.5
Current: 0.47

0.29
10.5
Equity to Asset 0.11
CHFC's Equity to Asset is ranked higher than
80% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CHFC: 0.11 )
CHFC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.14
Current: 0.11

0.1
0.14
Interest Coverage 6.09
CHFC's Interest Coverage is ranked higher than
93% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CHFC: 6.09 )
CHFC' s 10-Year Interest Coverage Range
Min: 0.26   Max: 6.09
Current: 6.09

0.26
6.09
F-Score: 6
Z-Score: 0.22
WACC vs ROIC
10.32%
7.57%
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 (%) 32.51
CHFC's Operating margin (%) is ranked higher than
79% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. CHFC: 32.51 )
CHFC' s 10-Year Operating margin (%) Range
Min: 6.34   Max: 47.02
Current: 32.51

6.34
47.02
Net-margin (%) 22.54
CHFC's Net-margin (%) is ranked higher than
77% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. CHFC: 22.54 )
CHFC' s 10-Year Net-margin (%) Range
Min: 5.3   Max: 31.15
Current: 22.54

5.3
31.15
ROE (%) 8.19
CHFC's ROE (%) is ranked higher than
74% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CHFC: 8.19 )
CHFC' s 10-Year ROE (%) Range
Min: 2.07   Max: 16.47
Current: 8.19

2.07
16.47
ROA (%) 0.95
CHFC's ROA (%) is ranked higher than
80% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHFC: 0.95 )
CHFC' s 10-Year ROA (%) Range
Min: 0.25   Max: 2.15
Current: 0.95

0.25
2.15
ROC (Joel Greenblatt) (%) 56.71
CHFC's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. CHFC: 56.71 )
CHFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.27   Max: 326.11
Current: 56.71

14.27
326.11
Revenue Growth (3Y)(%) 1.70
CHFC's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. CHFC: 1.70 )
CHFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.3   Max: 8.7
Current: 1.7

-1.3
8.7
EBITDA Growth (3Y)(%) 7.40
CHFC's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CHFC: 7.40 )
CHFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -34.8   Max: 51.2
Current: 7.4

-34.8
51.2
EPS Growth (3Y)(%) 7.90
CHFC's EPS Growth (3Y)(%) is ranked higher than
74% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CHFC: 7.90 )
CHFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -39.3   Max: 63.9
Current: 7.9

-39.3
63.9
» CHFC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2014

CHFC Guru Trades in Q3 2014

Jim Simons 110,554 sh (+534.2%)
David Dreman 59,562 sh (+1.12%)
Paul Tudor Jones Sold Out
» More
Q4 2014

CHFC Guru Trades in Q4 2014

David Dreman 75,507 sh (+26.77%)
Jim Simons 58,800 sh (-46.81%)
» 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 2014-12-31 Add 26.77%0.04%$26.32 - $30.94 $ 30.586%75507
David Dreman 2013-09-30 Reduce -82.96%0.19%$26.91 - $31.03 $ 30.587%51330
David Dreman 2012-03-31 Add 54.2%0.06%$21.18 - $24.19 $ 30.5846%371907
David Dreman 2011-12-31 New Buy0.12%$14.7 - $21.78 $ 30.5859%241178
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.50
CHFC's P/E(ttm) is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CHFC: 15.50 )
CHFC' s 10-Year P/E(ttm) Range
Min: 10.58   Max: 95.97
Current: 15.5

10.58
95.97
Forward P/E 13.18
CHFC's Forward P/E is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. CHFC: 13.18 )
N/A
PE(NRI) 15.50
CHFC's PE(NRI) is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CHFC: 15.50 )
CHFC' s 10-Year PE(NRI) Range
Min: 10.61   Max: 94.38
Current: 15.5

10.61
94.38
P/B 1.26
CHFC's P/B is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. CHFC: 1.26 )
CHFC' s 10-Year P/B Range
Min: 0.72   Max: 2.12
Current: 1.26

0.72
2.12
P/S 3.50
CHFC's P/S is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. CHFC: 3.50 )
CHFC' s 10-Year P/S Range
Min: 1.83   Max: 5.74
Current: 3.5

1.83
5.74
PFCF 12.64
CHFC's PFCF is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFC: 12.64 )
CHFC' s 10-Year PFCF Range
Min: 4.54   Max: 58.33
Current: 12.64

4.54
58.33
POCF 10.77
CHFC's POCF is ranked higher than
82% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. CHFC: 10.77 )
CHFC' s 10-Year POCF Range
Min: 4.21   Max: 36.14
Current: 10.77

4.21
36.14
EV-to-EBIT 12.81
CHFC's EV-to-EBIT is ranked higher than
87% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. CHFC: 12.81 )
CHFC' s 10-Year EV-to-EBIT Range
Min: 2.8   Max: 124.7
Current: 12.81

2.8
124.7
PEG 0.54
CHFC's PEG is ranked higher than
96% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFC: 0.54 )
CHFC' s 10-Year PEG Range
Min: 0.32   Max: 7.92
Current: 0.54

0.32
7.92
Shiller P/E 20.80
CHFC's Shiller P/E is ranked higher than
84% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFC: 20.80 )
CHFC' s 10-Year Shiller P/E Range
Min: 8.53   Max: 25.02
Current: 20.8

8.53
25.02
Days Sales Outstanding 187.33
CHFC's Days Sales Outstanding is ranked higher than
78% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFC: 187.33 )
CHFC' s 10-Year Days Sales Outstanding Range
Min: 112.59   Max: 246.65
Current: 187.33

112.59
246.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.07
CHFC's Dividend Yield is ranked higher than
66% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. CHFC: 3.07 )
CHFC' s 10-Year Dividend Yield Range
Min: 2.47   Max: 7.44
Current: 3.07

2.47
7.44
Dividend Payout 0.48
CHFC's Dividend Payout is ranked higher than
68% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CHFC: 0.48 )
CHFC' s 10-Year Dividend Payout Range
Min: 0.32   Max: 2.81
Current: 0.48

0.32
2.81
Dividend growth (3y) 5.50
CHFC's Dividend growth (3y) is ranked higher than
78% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CHFC: 5.50 )
CHFC' s 10-Year Dividend growth (3y) Range
Min: -12.2   Max: 15.9
Current: 5.5

-12.2
15.9
Yield on cost (5-Year) 2.75
CHFC's Yield on cost (5-Year) is ranked lower than
53% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. CHFC: 2.75 )
CHFC' s 10-Year Yield on cost (5-Year) Range
Min: 2.19   Max: 6.59
Current: 2.75

2.19
6.59
Share Buyback Rate -4.70
CHFC's Share Buyback Rate is ranked higher than
66% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CHFC: -4.70 )
CHFC' s 10-Year Share Buyback Rate Range
Min: 2.7   Max: -14.7
Current: -4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.72
CHFC's Price/Tangible Book is ranked higher than
69% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. CHFC: 1.72 )
CHFC' s 10-Year Price/Tangible Book Range
Min: 0.93   Max: 3.8
Current: 1.72

0.93
3.8
Price/DCF (Projected) 0.59
CHFC's Price/DCF (Projected) is ranked higher than
89% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. CHFC: 0.59 )
CHFC' s 10-Year Price/DCF (Projected) Range
Min: 0.53   Max: 2.32
Current: 0.59

0.53
2.32
Price/Median PS Value 1.09
CHFC's Price/Median PS Value is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CHFC: 1.09 )
CHFC' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.84
Current: 1.09

0.8
1.84
Price/Peter Lynch Fair Value 0.62
CHFC's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFC: 0.62 )
CHFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.62   Max: 2.88
Current: 0.62

0.62
2.88
Price/Graham Number 1.11
CHFC's Price/Graham Number is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CHFC: 1.11 )
CHFC' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 1.88
Current: 1.11

0.59
1.88
Earnings Yield (Greenblatt) 7.80
CHFC's Earnings Yield (Greenblatt) is ranked higher than
85% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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) 36.84
CHFC's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. CHFC: 36.84 )
CHFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -21.8   Max: 54.2
Current: 36.84

-21.8
54.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:YC4.Germany,
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.
» More Articles for CHFC

Headlines

Articles On GuruFocus.com
My 4 Favorite Stocks With Dividend Growth From Last Week Aug 25 2013 
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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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