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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
56% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 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
58% of the 1660 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
85% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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
F-Score: 7
WACC vs ROIC
5.23%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 32.89
CMOH's Operating margin (%) is ranked higher than
55% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 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
54% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 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
65% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 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
68% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 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
Revenue Growth (3Y)(%) 0.20
CMOH's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CMOH: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CMOH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.2  Med: 3.8 Max: 84.3
Current: 0.2
-4.2
84.3
EBITDA Growth (3Y)(%) 3.30
CMOH's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CMOH: 3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CMOH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -43  Med: 4.05 Max: 89.8
Current: 3.3
-43
89.8
EPS Growth (3Y)(%) 4.00
CMOH's EPS Growth (3Y)(%) is ranked lower than
60% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CMOH: 4.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CMOH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.3  Med: 2.4 Max: 36.9
Current: 4
-14.3
36.9
» CMOH's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:EMCF, NAS:BOTJ, NAS:SFBC, OTCPK:FFHD, NAS:FUSB, NAS:UBCP, NAS:BYBK, OTCPK:TYFG, OTCPK:JFBC, NAS:CWAY, OTCPK:STND, NAS:UBOH, NAS:SSBI, NAS:MGYR, OTCPK:FDVA, NAS:PFBX, OTCPK:NWYF, OTCPK:PUGB, NAS:WEBK, OTCPK:FXNC » 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
P/E(ttm) 16.66
CMOH's P/E(ttm) is ranked lower than
61% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. CMOH: 16.66 )
Ranked among companies with meaningful P/E(ttm) only.
CMOH' s P/E(ttm) Range Over the Past 10 Years
Min: 7.04  Med: 9.89 Max: 94.12
Current: 16.66
7.04
94.12
PE(NRI) 16.66
CMOH's PE(NRI) is ranked lower than
61% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. CMOH: 16.66 )
Ranked among companies with meaningful PE(NRI) only.
CMOH' s PE(NRI) Range Over the Past 10 Years
Min: 7.04  Med: 9.89 Max: 94.12
Current: 16.66
7.04
94.12
Price/Owner Earnings (ttm) 18.94
CMOH's Price/Owner Earnings (ttm) is ranked lower than
68% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. CMOH: 18.94 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CMOH' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.41  Med: 11.83 Max: 794.12
Current: 18.94
8.41
794.12
P/B 1.69
CMOH's P/B is ranked lower than
79% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CMOH: 1.69 )
Ranked among companies with meaningful P/B only.
CMOH' s P/B Range Over the Past 10 Years
Min: 0.43  Med: 0.9 Max: 1.7
Current: 1.69
0.43
1.7
P/S 3.90
CMOH's P/S is ranked lower than
63% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CMOH: 3.90 )
Ranked among companies with meaningful P/S only.
CMOH' s P/S Range Over the Past 10 Years
Min: 0.76  Med: 1.89 Max: 5.31
Current: 3.9
0.76
5.31
PFCF 12.30
CMOH's PFCF is ranked higher than
50% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CMOH: 12.30 )
Ranked among companies with meaningful PFCF only.
CMOH' s PFCF Range Over the Past 10 Years
Min: 3.47  Med: 8.13 Max: 133.5
Current: 12.3
3.47
133.5
POCF 11.55
CMOH's POCF is ranked lower than
55% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CMOH: 11.55 )
Ranked among companies with meaningful POCF only.
CMOH' s POCF Range Over the Past 10 Years
Min: 3.26  Med: 7.23 Max: 16.56
Current: 11.55
3.26
16.56
EV-to-EBIT 11.24
CMOH's EV-to-EBIT is ranked higher than
54% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CMOH: 11.24 )
Ranked among companies with meaningful EV-to-EBIT only.
CMOH' s EV-to-EBIT Range Over the Past 10 Years
Min: -72.2  Med: 6.2 Max: 153.9
Current: 11.24
-72.2
153.9
EV-to-EBITDA 11.24
CMOH's EV-to-EBITDA is ranked lower than
51% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. CMOH: 11.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
CMOH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -72.2  Med: 6.2 Max: 153.9
Current: 11.24
-72.2
153.9
PEG 2.78
CMOH's PEG is ranked lower than
75% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CMOH: 2.78 )
Ranked among companies with meaningful PEG only.
CMOH' s PEG Range Over the Past 10 Years
Min: 0.13  Med: 1.22 Max: 53.48
Current: 2.78
0.13
53.48
Shiller P/E 25.92
CMOH's Shiller P/E is ranked lower than
68% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. CMOH: 25.92 )
Ranked among companies with meaningful Shiller P/E only.
CMOH' s Shiller P/E Range Over the Past 10 Years
Min: 6.71  Med: 12.99 Max: 25.92
Current: 25.92
6.71
25.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.86
CMOH's Dividend Yield is ranked lower than
70% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CMOH: 1.86 )
Ranked among companies with meaningful Dividend Yield only.
CMOH' s Dividend Yield Range Over the Past 10 Years
Min: 1.39  Med: 2.81 Max: 6.91
Current: 1.86
1.39
6.91
Dividend Payout 0.23
CMOH's Dividend Payout is ranked higher than
69% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CMOH: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
CMOH' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.38 Max: 15.2
Current: 0.23
0.18
15.2
Dividend Growth (3y) 19.60
CMOH's Dividend Growth (3y) is ranked higher than
73% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. CMOH: 19.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CMOH' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 22.7
Current: 19.6
0
22.7
Forward Dividend Yield 1.86
CMOH's Forward Dividend Yield is ranked lower than
74% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CMOH: 1.86 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.81
CMOH's Yield on cost (5-Year) is ranked higher than
53% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CMOH: 3.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CMOH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.89  Med: 5.75 Max: 14.14
Current: 3.81
2.89
14.14
3-Year Average Share Buyback Ratio -0.60
CMOH's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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/Tangible Book 1.69
CMOH's Price/Tangible Book is ranked lower than
72% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CMOH: 1.69 )
Ranked among companies with meaningful Price/Tangible Book only.
CMOH' s Price/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/Projected FCF 1.02
CMOH's Price/Projected FCF is ranked lower than
73% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CMOH: 1.02 )
Ranked among companies with meaningful Price/Projected FCF only.
CMOH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.49 Max: 1.02
Current: 1.02
0.33
1.02
Price/Median PS Value 2.07
CMOH's Price/Median PS Value is ranked lower than
94% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CMOH: 2.07 )
Ranked among companies with meaningful Price/Median PS Value only.
CMOH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.12 Max: 3.18
Current: 2.07
0.46
3.18
Price/Peter Lynch Fair Value 2.37
CMOH's Price/Peter Lynch Fair Value is ranked lower than
85% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CMOH: 2.37 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CMOH' s Price/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/Graham Number 1.12
CMOH's Price/Graham Number is ranked lower than
64% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. CMOH: 1.12 )
Ranked among companies with meaningful Price/Graham Number only.
CMOH' s Price/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) (%) 8.90
CMOH's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CMOH: 8.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CMOH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 15.5 Max: 30.3
Current: 8.9
0.6
30.3
Forward Rate of Return (Yacktman) (%) 12.74
CMOH's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. CMOH: 12.74 )
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: 13 Max: 76.6
Current: 12.74
5.9
76.6

More Statistics

Revenue (TTM) (Mil) $16.74
EPS (TTM) $ 3.23
Beta0.30
Short Percentage of Float0.00%
52-Week Range $29.15 - 55.00
Shares Outstanding (Mil)1.21
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