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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 No Debt
OTCPK:CHBH's Cash-to-Debt is ranked higher than
99% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OTCPK:CHBH: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:CHBH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26  Med: 0.82 Max: No Debt
Current: No Debt
Equity-to-Asset 0.13
OTCPK:CHBH's Equity-to-Asset is ranked higher than
76% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTCPK:CHBH: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:CHBH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.13
Current: 0.13
0.1
0.13
Interest Coverage 5.20
OTCPK:CHBH's Interest Coverage is ranked higher than
81% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. OTCPK:CHBH: 5.20 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:CHBH' s Interest Coverage Range Over the Past 10 Years
Min: 0.65  Med: 1.79 Max: 5.2
Current: 5.2
0.65
5.2
WACC vs ROIC
4.26%
10.77%
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 : 5/10

vs
industry
vs
history
Operating Margin % 32.95
OTCPK:CHBH's Operating Margin % is ranked higher than
53% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OTCPK:CHBH: 32.95 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:CHBH' s Operating Margin % Range Over the Past 10 Years
Min: 19.11  Med: 28.05 Max: 37.94
Current: 32.95
19.11
37.94
Net Margin % 25.33
OTCPK:CHBH's Net Margin % is ranked higher than
58% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. OTCPK:CHBH: 25.33 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:CHBH' s Net Margin % Range Over the Past 10 Years
Min: 14.62  Med: 21.69 Max: 26.61
Current: 25.33
14.62
26.61
ROE % 8.82
OTCPK:CHBH's ROE % is ranked higher than
52% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. OTCPK:CHBH: 8.82 )
Ranked among companies with meaningful ROE % only.
OTCPK:CHBH' s ROE % Range Over the Past 10 Years
Min: 5.6  Med: 8.01 Max: 10.55
Current: 8.82
5.6
10.55
ROA % 1.12
OTCPK:CHBH's ROA % is ranked higher than
66% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OTCPK:CHBH: 1.12 )
Ranked among companies with meaningful ROA % only.
OTCPK:CHBH' s ROA % Range Over the Past 10 Years
Min: 0.61  Med: 0.9 Max: 1.21
Current: 1.12
0.61
1.21
3-Year Revenue Growth Rate 2.60
OTCPK:CHBH's 3-Year Revenue Growth Rate is ranked lower than
60% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. OTCPK:CHBH: 2.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:CHBH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 2.1  Med: 4.2 Max: 106.4
Current: 2.6
2.1
106.4
3-Year EBITDA Growth Rate 21.00
OTCPK:CHBH's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OTCPK:CHBH: 21.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:CHBH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.2  Med: 3.8 Max: 21
Current: 21
-16.2
21
3-Year EPS without NRI Growth Rate 15.70
OTCPK:CHBH's 3-Year EPS without NRI Growth Rate is ranked higher than
72% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OTCPK:CHBH: 15.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK:CHBH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -30  Med: 4.65 Max: 17.7
Current: 15.7
-30
17.7
GuruFocus has detected 4 Warning Signs with Croghan Bancshares Inc $OTCPK:CHBH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:CHBH's 30-Y Financials

Financials


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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CBFV, NAS:CFBI, OTCPK:CPKF, NAS:FUNC, OTCPK:EFSI, NAS:MPB, OTCPK:EMYB, OTCPK:BKGMF, OTCPK:CABC, NAS:OVLY, NAS:BKSC, OTCPK:FOFN, OTCPK:OPBK, NAS:SAL, OTCPK:FDBC, NAS:FSFG, NAS:PLBC, OTCPK:ENBP, NAS:CBAN, OTCPK:KTYB » details
Headquarter Location:USA
Croghan Bancshares Inc is a holding company. The Corporation, through its subsidiaries offers diverse range of commercial and retail banking services through its banking centers.

Croghan Bancshares Inc was incorporated on September 27, 1983 in the State of Ohio. The Corporation is a bank holding company and has one wholly-owned subsidiary; The Croghan Colonial Bank. The Bank through its subsidiary operates in one industry segment, the commercial banking industry. It offers diverse range of commercial and retail banking services through its banking centers. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. Investment products bearing no FDIC insurance are offered through the Bank's Trust and Investment Services Division. Its geographical area includes Sandusky County. The Bank is subject to various regulatory capital requirements administered by the federal and state banking agencies.

Ratios

vs
industry
vs
history
PE Ratio 11.65
CHBH's PE Ratio is ranked higher than
65% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CHBH: 11.65 )
Ranked among companies with meaningful PE Ratio only.
CHBH' s PE Ratio Range Over the Past 10 Years
Min: 8.36  Med: 11.14 Max: 34.43
Current: 11.65
8.36
34.43
PE Ratio without NRI 11.62
CHBH's PE Ratio without NRI is ranked higher than
65% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CHBH: 11.62 )
Ranked among companies with meaningful PE Ratio without NRI only.
CHBH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.36  Med: 11.14 Max: 34.43
Current: 11.62
8.36
34.43
Price-to-Owner-Earnings 11.93
CHBH's Price-to-Owner-Earnings is ranked higher than
58% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. CHBH: 11.93 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CHBH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.39  Med: 12.39 Max: 41.66
Current: 11.93
9.39
41.66
PB Ratio 1.01
CHBH's PB Ratio is ranked higher than
61% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CHBH: 1.01 )
Ranked among companies with meaningful PB Ratio only.
CHBH' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 0.85 Max: 1.37
Current: 1.01
0.66
1.37
PS Ratio 2.94
CHBH's PS Ratio is ranked higher than
58% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CHBH: 2.94 )
Ranked among companies with meaningful PS Ratio only.
CHBH' s PS Ratio Range Over the Past 10 Years
Min: 1.76  Med: 2.38 Max: 5.4
Current: 2.94
1.76
5.4
EV-to-EBIT 7.02
CHBH's EV-to-EBIT is ranked higher than
70% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. CHBH: 7.02 )
Ranked among companies with meaningful EV-to-EBIT only.
CHBH' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.5  Med: 8.9 Max: 16
Current: 7.02
0.5
16
EV-to-EBITDA 7.02
CHBH's EV-to-EBITDA is ranked higher than
68% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. CHBH: 7.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHBH' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.5  Med: 8.8 Max: 15.8
Current: 7.02
0.5
15.8
PEG Ratio 1.03
CHBH's PEG Ratio is ranked higher than
62% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. CHBH: 1.03 )
Ranked among companies with meaningful PEG Ratio only.
CHBH' s PEG Ratio Range Over the Past 10 Years
Min: 0.77  Med: 2.15 Max: 25.67
Current: 1.03
0.77
25.67
Shiller PE Ratio 14.26
CHBH's Shiller PE Ratio is ranked higher than
74% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. CHBH: 14.26 )
Ranked among companies with meaningful Shiller PE Ratio only.
CHBH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.32  Med: 11.17 Max: 14.92
Current: 14.26
6.32
14.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.55
CHBH's Dividend Yield % is ranked lower than
77% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CHBH: 1.55 )
Ranked among companies with meaningful Dividend Yield % only.
CHBH' s Dividend Yield % Range Over the Past 10 Years
Min: 1.52  Med: 3.82 Max: 6.99
Current: 1.55
1.52
6.99
Dividend Payout Ratio 0.27
CHBH's Dividend Payout Ratio is ranked higher than
61% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CHBH: 0.27 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CHBH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.42 Max: 0.63
Current: 0.27
0.27
0.63
3-Year Dividend Growth Rate 13.70
CHBH's 3-Year Dividend Growth Rate is ranked higher than
70% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CHBH: 13.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CHBH' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.8 Max: 72.6
Current: 13.7
0
72.6
Forward Dividend Yield % 3.18
CHBH's Forward Dividend Yield % is ranked higher than
56% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CHBH: 3.18 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.61
CHBH's 5-Year Yield-on-Cost % is ranked lower than
82% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CHBH: 1.61 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CHBH' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.58  Med: 3.98 Max: 7.27
Current: 1.61
1.58
7.27
3-Year Average Share Buyback Ratio -0.10
CHBH's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CHBH: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CHBH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -44.4  Med: 0.2 Max: 2.7
Current: -0.1
-44.4
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.01
CHBH's Price-to-Tangible-Book is ranked higher than
63% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CHBH: 1.01 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CHBH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.79  Med: 1.2 Max: 1.84
Current: 1.01
0.79
1.84
Price-to-Intrinsic-Value-Projected-FCF 0.84
CHBH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
56% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CHBH: 0.84 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CHBH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.58 Max: 1.25
Current: 0.84
0.39
1.25
Price-to-Median-PS-Value 1.24
CHBH's Price-to-Median-PS-Value is ranked lower than
62% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CHBH: 1.24 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CHBH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.08 Max: 3.4
Current: 1.24
0.78
3.4
Price-to-Peter-Lynch-Fair-Value 0.80
CHBH's Price-to-Peter-Lynch-Fair-Value is ranked higher than
67% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CHBH: 0.80 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CHBH' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.77  Med: 0.98 Max: 2.07
Current: 0.8
0.77
2.07
Price-to-Graham-Number 0.72
CHBH's Price-to-Graham-Number is ranked higher than
67% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CHBH: 0.72 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CHBH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.78 Max: 1.02
Current: 0.72
0.33
1.02
Earnings Yield (Greenblatt) % 14.24
CHBH's Earnings Yield (Greenblatt) % is ranked higher than
77% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. CHBH: 14.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CHBH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.3  Med: 11.2 Max: 187.4
Current: 14.24
6.3
187.4
Forward Rate of Return (Yacktman) % 18.68
CHBH's Forward Rate of Return (Yacktman) % is ranked higher than
69% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. CHBH: 18.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CHBH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.9  Med: 10.7 Max: 18.9
Current: 18.68
0.9
18.9

More Statistics

Revenue (TTM) (Mil) $35.69
EPS (TTM) $ 3.95
Beta0.19
Short Percentage of Float0.00%
52-Week Range $38.05 - 47.50
Shares Outstanding (Mil)2.28

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