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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 3.08
CMOH's Cash-to-Debt is ranked higher than
57% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. CMOH: 3.08 )
Ranked among companies with meaningful Cash-to-Debt only.
CMOH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 1.01 Max: No Debt
Current: 3.08
Equity-to-Asset 0.11
CMOH's Equity-to-Asset is ranked higher than
60% of the 1484 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 6.20
CMOH's Interest Coverage is ranked higher than
84% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. CMOH: 6.20 )
Ranked among companies with meaningful Interest Coverage only.
CMOH' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 1.8 Max: 6.2
Current: 6.2
0.24
6.2
Piotroski F-Score: 7
WACC vs ROIC
6.44%
11.13%
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 : 8/10

vs
industry
vs
history
Operating Margin % 32.89
CMOH's Operating Margin % is ranked higher than
57% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. CMOH: 32.89 )
Ranked among companies with meaningful Operating Margin % only.
CMOH' s Operating Margin % Range Over the Past 10 Years
Min: -7.62  Med: 23.07 Max: 32.89
Current: 32.89
-7.62
32.89
Net Margin % 23.40
CMOH's Net Margin % is ranked higher than
55% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. CMOH: 23.40 )
Ranked among companies with meaningful Net Margin % only.
CMOH' s Net Margin % Range Over the Past 10 Years
Min: -2.54  Med: 17.14 Max: 23.4
Current: 23.4
-2.54
23.4
ROE % 10.52
CMOH's ROE % is ranked higher than
68% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. CMOH: 10.52 )
Ranked among companies with meaningful ROE % only.
CMOH' s ROE % Range Over the Past 10 Years
Min: -1.37  Med: 9.81 Max: 10.82
Current: 10.52
-1.37
10.82
ROA % 1.15
CMOH's ROA % is ranked higher than
71% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CMOH: 1.15 )
Ranked among companies with meaningful ROA % only.
CMOH' s ROA % Range Over the Past 10 Years
Min: -0.11  Med: 0.86 Max: 1.15
Current: 1.15
-0.11
1.15
3-Year Revenue Growth Rate 0.20
CMOH's 3-Year Revenue Growth Rate is ranked lower than
69% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. CMOH: 0.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CMOH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.2  Med: 3.8 Max: 84.3
Current: 0.2
-4.2
84.3
3-Year EBITDA Growth Rate 3.30
CMOH's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CMOH: 3.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CMOH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -43  Med: 4.05 Max: 89.8
Current: 3.3
-43
89.8
3-Year EPS without NRI Growth Rate 4.00
CMOH's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CMOH: 4.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CMOH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -14.3  Med: 2.4 Max: 36.9
Current: 4
-14.3
36.9
GuruFocus has detected 3 Warning Signs with Commercial Bancshares Inc $CMOH.
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» CMOH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:UBCP, NAS:WEBK, OTCPK:CBCO, NAS:BOTJ, NAS:SSBI, NAS:EMCF, OTCPK:JFBC, NAS:CZWI, OTCPK:CNAF, NAS:FBSS, OTCPK:SABK, OTCPK:STND, OTCPK:MNSB, OTCPK:FABK, OTCPK:FXNC, OTCPK:AFCB, NAS:UBOH, NAS:WBKC, OTCPK:VABK, OTCPK:AVLY » details
Commercial Bancshares Inc operates the Bank, which is a wholly-owned subsidiary, and its principal asset. The Company grants residential, installment and commercial loans to customers located in the Ohio counties.

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.

Ratios

vs
industry
vs
history
PE Ratio 16.72
CMOH's PE Ratio is ranked lower than
60% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. CMOH: 16.72 )
Ranked among companies with meaningful PE Ratio only.
CMOH' s PE Ratio Range Over the Past 10 Years
Min: 7.04  Med: 9.89 Max: 94.12
Current: 16.72
7.04
94.12
PE Ratio without NRI 16.72
CMOH's PE Ratio without NRI is ranked lower than
59% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CMOH: 16.72 )
Ranked among companies with meaningful PE Ratio without NRI only.
CMOH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.04  Med: 9.89 Max: 94.12
Current: 16.72
7.04
94.12
Price-to-Owner-Earnings 19.01
CMOH's Price-to-Owner-Earnings is ranked lower than
67% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. CMOH: 19.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CMOH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.41  Med: 11.74 Max: 794.12
Current: 19.01
8.41
794.12
PB Ratio 1.69
CMOH's PB Ratio is ranked lower than
77% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CMOH: 1.69 )
Ranked among companies with meaningful PB Ratio only.
CMOH' s PB Ratio Range Over the Past 10 Years
Min: 0.43  Med: 0.89 Max: 1.82
Current: 1.69
0.43
1.82
PS Ratio 3.92
CMOH's PS Ratio is ranked lower than
61% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CMOH: 3.92 )
Ranked among companies with meaningful PS Ratio only.
CMOH' s PS Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.89 Max: 5.31
Current: 3.92
0.76
5.31
Price-to-Free-Cash-Flow 12.35
CMOH's Price-to-Free-Cash-Flow is ranked higher than
53% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. CMOH: 12.35 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CMOH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.47  Med: 7.92 Max: 133.5
Current: 12.35
3.47
133.5
Price-to-Operating-Cash-Flow 11.59
CMOH's Price-to-Operating-Cash-Flow is ranked lower than
51% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. CMOH: 11.59 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CMOH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.26  Med: 6.92 Max: 16.56
Current: 11.59
3.26
16.56
EV-to-EBIT 11.28
CMOH's EV-to-EBIT is ranked higher than
55% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. CMOH: 11.28 )
Ranked among companies with meaningful EV-to-EBIT only.
CMOH' s EV-to-EBIT Range Over the Past 10 Years
Min: -72.2  Med: 6.1 Max: 153.9
Current: 11.28
-72.2
153.9
EV-to-EBITDA 11.28
CMOH's EV-to-EBITDA is ranked higher than
51% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. CMOH: 11.28 )
Ranked among companies with meaningful EV-to-EBITDA only.
CMOH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -72.2  Med: 6.1 Max: 153.9
Current: 11.28
-72.2
153.9
PEG Ratio 2.78
CMOH's PEG Ratio is ranked lower than
72% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CMOH: 2.78 )
Ranked among companies with meaningful PEG Ratio only.
CMOH' s PEG Ratio Range Over the Past 10 Years
Min: 0.13  Med: 1.2 Max: 53.48
Current: 2.78
0.13
53.48
Shiller PE Ratio 26.09
CMOH's Shiller PE Ratio is ranked lower than
63% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. CMOH: 26.09 )
Ranked among companies with meaningful Shiller PE Ratio only.
CMOH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.76  Med: 13.06 Max: 27.98
Current: 26.09
6.76
27.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.85
CMOH's Dividend Yield % is ranked lower than
69% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CMOH: 1.85 )
Ranked among companies with meaningful Dividend Yield % only.
CMOH' s Dividend Yield % Range Over the Past 10 Years
Min: 1.3  Med: 2.79 Max: 6.91
Current: 1.85
1.3
6.91
Dividend Payout Ratio 0.23
CMOH's Dividend Payout Ratio is ranked higher than
71% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CMOH: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CMOH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.2  Med: 0.26 Max: 0.67
Current: 0.23
0.2
0.67
3-Year Dividend Growth Rate 19.60
CMOH's 3-Year Dividend Growth Rate is ranked higher than
76% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CMOH: 19.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CMOH' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 22.7
Current: 19.6
0
22.7
Forward Dividend Yield % 1.85
CMOH's Forward Dividend Yield % is ranked lower than
73% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. CMOH: 1.85 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.79
CMOH's 5-Year Yield-on-Cost % is ranked higher than
60% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CMOH: 3.79 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CMOH' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.66  Med: 5.71 Max: 14.14
Current: 3.79
2.66
14.14
3-Year Average Share Buyback Ratio -0.60
CMOH's 3-Year Average Share Buyback Ratio is ranked higher than
61% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CMOH: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CMOH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.9  Med: -0.3 Max: 1.1
Current: -0.6
-0.9
1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.69
CMOH's Price-to-Tangible-Book is ranked lower than
69% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CMOH: 1.69 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CMOH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.5  Med: 1.21 Max: 1.69
Current: 1.69
0.5
1.69
Price-to-Intrinsic-Value-Projected-FCF 1.03
CMOH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
69% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CMOH: 1.03 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CMOH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.49 Max: 1.03
Current: 1.03
0.33
1.03
Price-to-Median-PS-Value 2.08
CMOH's Price-to-Median-PS-Value is ranked lower than
92% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CMOH: 2.08 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CMOH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.46  Med: 1.12 Max: 3.19
Current: 2.08
0.46
3.19
Price-to-Peter-Lynch-Fair-Value 2.37
CMOH's Price-to-Peter-Lynch-Fair-Value is ranked lower than
82% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CMOH: 2.37 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CMOH' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.3  Med: 0.45 Max: 3.68
Current: 2.37
0.3
3.68
Price-to-Graham-Number 1.12
CMOH's Price-to-Graham-Number is ranked lower than
62% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CMOH: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CMOH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 0.87 Max: 2.15
Current: 1.12
0.46
2.15
Earnings Yield (Greenblatt) % 8.87
CMOH's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. CMOH: 8.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CMOH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 15.6 Max: 30.3
Current: 8.87
0.6
30.3
Forward Rate of Return (Yacktman) % 12.72
CMOH's Forward Rate of Return (Yacktman) % is ranked higher than
55% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. CMOH: 12.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CMOH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 5.9  Med: 12.75 Max: 76.6
Current: 12.72
5.9
76.6

More Statistics

Revenue (TTM) (Mil) $16.74
EPS (TTM) $ 3.23
Beta0.45
Short Percentage of Float0.00%
52-Week Range $29.25 - 58.59
Shares Outstanding (Mil)1.21
» More Articles for CMOH

Headlines

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