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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 : 4/10

vs
industry
vs
history
Cash to Debt 3.15
CMOH's Cash to Debt is ranked higher than
59% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CMOH: 3.15 )
Ranked among companies with meaningful Cash to Debt only.
CMOH' s 10-Year Cash to Debt Range
Min: 0.17  Med: 0.98 Max: No Debt
Current: 3.15
Equity to Asset 0.11
CMOH's Equity to Asset is ranked higher than
59% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CMOH: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
CMOH' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 5.36
CMOH's Interest Coverage is ranked higher than
82% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CMOH: 5.36 )
Ranked among companies with meaningful Interest Coverage only.
CMOH' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.36 Max: 5.36
Current: 5.36
0.18
5.36
F-Score: 3
WACC vs ROIC
1.35%
10.13%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 29.70
CMOH's Operating margin (%) is ranked lower than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CMOH: 29.70 )
Ranked among companies with meaningful Operating margin (%) only.
CMOH' s 10-Year Operating margin (%) Range
Min: -405.9  Med: 14.80 Max: 30.05
Current: 29.7
-405.9
30.05
Net-margin (%) 20.65
CMOH's Net-margin (%) is ranked lower than
55% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CMOH: 20.65 )
Ranked among companies with meaningful Net-margin (%) only.
CMOH' s 10-Year Net-margin (%) Range
Min: -2.54  Med: 14.69 Max: 125.98
Current: 20.65
-2.54
125.98
ROE (%) 9.54
CMOH's ROE (%) is ranked higher than
59% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CMOH: 9.54 )
Ranked among companies with meaningful ROE (%) only.
CMOH' s 10-Year ROE (%) Range
Min: -1.37  Med: 8.95 Max: 12.26
Current: 9.54
-1.37
12.26
ROA (%) 0.99
CMOH's ROA (%) is ranked higher than
59% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CMOH: 0.99 )
Ranked among companies with meaningful ROA (%) only.
CMOH' s 10-Year ROA (%) Range
Min: -0.11  Med: 0.70 Max: 1.02
Current: 0.99
-0.11
1.02
Revenue Growth (3Y)(%) 0.20
CMOH's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CMOH: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CMOH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.2  Med: 3.85 Max: 101.3
Current: 0.2
-4.2
101.3
EBITDA Growth (3Y)(%) 4.80
CMOH's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CMOH: 4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CMOH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 1.10 Max: 90.5
Current: 4.8
0
90.5
EPS Growth (3Y)(%) 4.70
CMOH's EPS Growth (3Y)(%) is ranked lower than
64% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CMOH: 4.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CMOH' s 10-Year EPS Growth (3Y)(%) Range
Min: -14.3  Med: 0.35 Max: 36.9
Current: 4.7
-14.3
36.9
» CMOH's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 10.80
CMOH's P/E(ttm) is ranked higher than
65% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CMOH: 10.80 )
Ranked among companies with meaningful P/E(ttm) only.
CMOH' s 10-Year P/E(ttm) Range
Min: 7.03  Med: 10.06 Max: 94.12
Current: 10.8
7.03
94.12
PE(NRI) 10.80
CMOH's PE(NRI) is ranked higher than
65% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CMOH: 10.80 )
Ranked among companies with meaningful PE(NRI) only.
CMOH' s 10-Year PE(NRI) Range
Min: 7.08  Med: 10.07 Max: 94.12
Current: 10.8
7.08
94.12
P/B 0.98
CMOH's P/B is ranked higher than
58% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CMOH: 0.98 )
Ranked among companies with meaningful P/B only.
CMOH' s 10-Year P/B Range
Min: 0.43  Med: 0.89 Max: 1.7
Current: 0.98
0.43
1.7
P/S 2.22
CMOH's P/S is ranked higher than
66% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CMOH: 2.22 )
Ranked among companies with meaningful P/S only.
CMOH' s 10-Year P/S Range
Min: 0.76  Med: 1.86 Max: 5.3
Current: 2.22
0.76
5.3
PFCF 16.63
CMOH's PFCF is ranked lower than
74% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CMOH: 16.63 )
Ranked among companies with meaningful PFCF only.
CMOH' s 10-Year PFCF Range
Min: 3.48  Med: 8.58 Max: 270
Current: 16.63
3.48
270
POCF 14.05
CMOH's POCF is ranked lower than
74% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. CMOH: 14.05 )
Ranked among companies with meaningful POCF only.
CMOH' s 10-Year POCF Range
Min: 3.26  Med: 6.37 Max: 15.77
Current: 14.05
3.26
15.77
EV-to-EBIT 6.65
CMOH's EV-to-EBIT is ranked higher than
85% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CMOH: 6.65 )
Ranked among companies with meaningful EV-to-EBIT only.
CMOH' s 10-Year EV-to-EBIT Range
Min: -72.2  Med: 6.30 Max: 153.9
Current: 6.65
-72.2
153.9
PEG 0.67
CMOH's PEG is ranked higher than
67% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CMOH: 0.67 )
Ranked among companies with meaningful PEG only.
CMOH' s 10-Year PEG Range
Min: 0.13  Med: 0.67 Max: 13.92
Current: 0.67
0.13
13.92
Shiller P/E 11.77
CMOH's Shiller P/E is ranked higher than
73% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CMOH: 11.77 )
Ranked among companies with meaningful Shiller P/E only.
CMOH' s 10-Year Shiller P/E Range
Min: 8.01  Med: 13.57 Max: 24.43
Current: 11.77
8.01
24.43
Days Sales Outstanding 27.83
CMOH's Days Sales Outstanding is ranked higher than
61% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CMOH: 27.83 )
Ranked among companies with meaningful Days Sales Outstanding only.
CMOH' s 10-Year Days Sales Outstanding Range
Min: 27.27  Med: 32.80 Max: 439.44
Current: 27.83
27.27
439.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.63
CMOH's Dividend Yield is ranked lower than
53% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. CMOH: 2.63 )
Ranked among companies with meaningful Dividend Yield only.
CMOH' s 10-Year Dividend Yield Range
Min: 2.2  Med: 2.79 Max: 6.91
Current: 2.63
2.2
6.91
Dividend Payout 0.28
CMOH's Dividend Payout is ranked higher than
61% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CMOH: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
CMOH' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.40 Max: 15.2
Current: 0.28
0.18
15.2
Dividend growth (3y) 13.50
CMOH's Dividend growth (3y) is ranked higher than
66% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CMOH: 13.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
CMOH' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 22.7
Current: 13.5
0
22.7
Yield on cost (5-Year) 3.60
CMOH's Yield on cost (5-Year) is ranked higher than
56% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CMOH: 3.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CMOH' s 10-Year Yield on cost (5-Year) Range
Min: 3.01  Med: 3.82 Max: 9.47
Current: 3.6
3.01
9.47
Share Buyback Rate -1.10
CMOH's Share Buyback Rate is ranked higher than
57% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CMOH: -1.10 )
Ranked among companies with meaningful Share Buyback Rate only.
CMOH' s 10-Year Share Buyback Rate Range
Min: 1.2  Med: -0.15 Max: -1.3
Current: -1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
CMOH's Price/Tangible Book is ranked higher than
62% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CMOH: 0.98 )
Ranked among companies with meaningful Price/Tangible Book only.
CMOH' s 10-Year Price/Tangible Book Range
Min: 0.5  Med: 1.24 Max: 1.61
Current: 0.98
0.5
1.61
Price/Projected FCF 0.60
CMOH's Price/Projected FCF is ranked higher than
58% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CMOH: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
CMOH' s 10-Year Price/Projected FCF Range
Min: 0.35  Med: 0.48 Max: 0.61
Current: 0.6
0.35
0.61
Price/Median PS Value 1.20
CMOH's Price/Median PS Value is ranked lower than
68% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CMOH: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
CMOH' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 1.11 Max: 3.22
Current: 1.2
0.47
3.22
Price/Peter Lynch Fair Value 1.19
CMOH's Price/Peter Lynch Fair Value is ranked lower than
66% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CMOH: 1.19 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CMOH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3  Med: 0.36 Max: 3.68
Current: 1.19
0.3
3.68
Price/Graham Number 0.68
CMOH's Price/Graham Number is ranked higher than
66% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CMOH: 0.68 )
Ranked among companies with meaningful Price/Graham Number only.
CMOH' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 0.87 Max: 2.12
Current: 0.68
0.46
2.12
Earnings Yield (Greenblatt) (%) 15.00
CMOH's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CMOH: 15.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CMOH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 15.05 Max: 30.3
Current: 15
0.6
30.3
Forward Rate of Return (Yacktman) (%) 18.41
CMOH's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. CMOH: 18.41 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CMOH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.2  Med: 12.50 Max: 76.6
Current: 18.41
3.2
76.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Commercial Bancshares Inc is a corporation organized under the laws of the State of Ohio on April 20, 1920. It operates as a financial holding company for The Commercial Savings Bank. The main business of the Corporation presently is to operate the Bank, which is a wholly-owned subsidiary, and its main asset. The Bank provides customary retail and commercial banking services to its customers, including acceptance of deposits for demand, savings and time accounts, individual retirement accounts (IRAs) and servicing of such accounts; commercial, consumer and real estate lending, including installment loans, and safe deposit and night depository facilities. The Bank grants residential, installment and commercial loans to customers located mainly in the Ohio counties of Wyandot, Marion and Hancock and the surrounding area. Commercial loans are mainly variable rate and include operating lines of credit and term loans made to small businesses mainly based on the ability to repay the loan from the cash flow of the business. The Bank, Commercial Financial and Beck Title compete for business mainly in the Ohio counties of Wyandot, Hancock and Marion. The business in which the Corporation and its subsidiary are engaged is subject to extensive supervision, regulation and examination by various bank regulatory authorities.
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Headlines

Articles On GuruFocus.com
comment on CMOH May 16 2013 
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