Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Community Heritage FinancialCMHF 47 Equity-to-Asset is 0.07 as of Jun. 2026, which is 13% below its 10-year median of 0.08. GuruFocus rates CMHF with a GF Score™ of 47/100 and a GF Value™ of $27.67 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,517 Banks companies, Community Heritage Financial ranks worse than 66.25% on this metric.
Community Heritage Financial (OTCPK:CMHF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Community Heritage Financial Equity-to-Asset Related Terms
Community Heritage Financial Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Community Heritage Financial Equity-to-Asset Chart
CMHF vs BLHK, MPCB, PNBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Community Heritage Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Community Heritage Financial Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's Equity-to-Asset falls into.
Community Heritage Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Community Heritage Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Community Heritage Financial (CMHF) has a Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Community Heritage Financial and its competitors. This is 13% below median its historical median of 0.08. Over the past decade, Community Heritage Financial's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Community Heritage Financial ranks #1005 out of 1517 companies in the Banks industry, placing it in the top 66.2%.
Is Community Heritage Financial's Equity-to-Asset too high?
Community Heritage Financial's current Equity-to-Asset of 0.07 is 13% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Community Heritage Financial's value of 0.07 is 30% below this industry median. Based on the distribution chart, Community Heritage Financial ranks #1005 out of 1517 companies in the Banks industry, which is below the industry midpoint. Overall, Community Heritage Financial has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Heritage Financial's Equity-to-Asset compare to BLHK and MPCB?
According to the Banks industry distribution chart, Community Heritage Financial ranks #1005 out of 1517 companies for Equity-to-Asset. This places Community Heritage Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Community Heritage Financial's value of 0.07 is 30% below this benchmark. Historically, Community Heritage Financial's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Community Heritage Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current Equity-to-Asset of 0.07 is 30% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current Equity-to-Asset is 0.07, which is 13% below median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Heritage Financial stock overvalued right now?
Based on GuruFocus' analysis, Community Heritage Financial (CMHF) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.67, compared to a current price of $41.20 — trading 48.9% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 13% below median its 10-year median of 0.08 and 30% below the Banks industry median of 0.10. Community Heritage Financial's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current Equity-to-Asset is 0.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Community Heritage Financial (CMHF) Overvalued in 2026?
Based on GuruFocus' analysis, Community Heritage Financial stock appears to be overvalued.
The current stock price of $41.20 is trading 48.9% above its estimated GF Value™ of $27.67.
GuruFocus considers Community Heritage Financial to be Significantly Overvalued.
Key valuation signals for CMHF:
Equity-to-Asset: 0.07 (13% below median its 10-year median of 0.08)
GF Value™: $27.67 vs. price of $41.20 (48.9% above fair value)
Industry Position: 30% below the Banks median (#1005 of 1517)
No single metric tells the full story. See the CMHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Heritage Financial Inc is an independent and community-oriented financial institution offering a full range of retail and commercial banking services to individuals and businesses in its market area. Its deposit products are demand, savings, and time deposits, and its lending products are real estate mortgages, commercial business loans and installment loans. In addition to retail and commercial banking services offered to individuals and businesses, common to community-oriented financial institutions, the company operates a mortgage banking business segment. The mortgage banking segment engages in the origination of residential mortgages for sale into the secondary market, unlike the company's other deposit and loan activities, which are conducted for Investment purposes.
47GF Score
Get the complete analysis for CMHF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CMHF has been successfully added to your 
