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Community Heritage FinancialCMHF 52 EV-to-FCF is 12.92 as of Aug. 02, 2026, which is 50% above its 10-year median of 8.61. GuruFocus rates CMHF with a GF Score™ of 52/100 and a GF Value™ of $27.62 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,191 Banks companies, Community Heritage Financial ranks worse than 68.6% on this metric.
The historical rank and industry rank for Community Heritage Financial's EV-to-FCF or its related term are showing as below:
CMHF'
s EV-to-FCF Range Over the Past 10 Years
Min: -26 Med: 8.61 Max: 36.84
Current: 12.92
During the past 7 years, the highest EV-to-FCF of Community Heritage Financial was 36.84. The lowest was -26.00. And the median was 8.61.
CMHF's EV-to-FCF is ranked worse than 68.6% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs CMHF: 12.92
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Community Heritage Financial (OTCPK:CMHF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Community Heritage Financial's PE Ratio (TTM) for today is calculated as:
Community Heritage Financial's share price for today is $42.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Community Heritage Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.930.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Community Heritage Financial EV-to-FCF Related Terms
Community Heritage Financial EV-to-FCF 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.
For the Banks - Regional subindustry, Community Heritage Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's EV-to-FCF falls into.
Community Heritage Financial's current Enterprise Value is $142.61 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Community Heritage Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $11.04 Mil.
* 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 EV-to-FCF of 12.92 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Community Heritage Financial and its competitors. This is 50% above median its historical median of 8.61. According to the industry distribution chart, Community Heritage Financial ranks #817 out of 1191 companies in the Banks industry, placing it in the top 68.6%.
Is Community Heritage Financial's EV-to-FCF too high?
Community Heritage Financial's current EV-to-FCF of 12.92 is 50% above median its 10-year median of 8.61. The Banks industry median EV-to-FCF is 7.15. Community Heritage Financial's value of 12.92 is 80.7% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #817 out of 1191 companies in the Banks industry, which is below the industry midpoint. Overall, Community Heritage Financial has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Heritage Financial's EV-to-FCF compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #817 out of 1191 companies for EV-to-FCF. This places Community Heritage Financial in the lower half of its industry. The industry median EV-to-FCF is 7.15. Community Heritage Financial's value of 12.92 is 80.7% above this benchmark. While the company's 10-year median is 8.61 vs. the industry median of 7.15, Community Heritage Financial has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current EV-to-FCF of 12.92 is 80.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current EV-to-FCF is 12.92, which is 50% above median its own 10-year median of 8.61. 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 $27.62, compared to a current price of $42.00 — trading 52.1% above its estimated fair value. The current EV-to-FCF is 12.92, which is 50% above median its 10-year median of 8.61 and 80.7% above the Banks industry median of 7.15. Community Heritage Financial's overall GF Score™ is 52/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current EV-to-FCF is 12.92 as of Aug. 02, 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 $42.00 is trading 52.1% above its estimated GF Value™ of $27.62.
GuruFocus considers Community Heritage Financial to be Significantly Overvalued.
Key valuation signals for CMHF:
EV-to-FCF: 12.92 (50% above median its 10-year median of 8.61)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 80.7% above the Banks median (#817 of 1191)
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.
52GF Score
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