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What is Community Heritage Financial FCF Margin %?
Community Heritage FinancialCMHF 52 FCF Margin % is 28.11% as of Dec. 2025, which is at its 10-year median of 28.11. 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 1,502 Banks companies, Community Heritage Financial ranks better than 54.26% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's FCF Margin % falls into.
* 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 FCF Margin % of 28.11% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Heritage Financial and its competitors. This is near median its historical median of 28.11. According to the industry distribution chart, Community Heritage Financial ranks #687 out of 1502 companies in the Banks industry, placing it in the top 45.7%.
Is Community Heritage Financial's FCF Margin % too high?
Community Heritage Financial's current FCF Margin % of 28.11% is near median its 10-year median of 28.11. The Banks industry median FCF Margin % is 25.85. Community Heritage Financial's value of 28.11% is 8.8% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #687 out of 1502 companies in the Banks industry, which is above 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 FCF Margin % compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #687 out of 1502 companies for FCF Margin %. This puts Community Heritage Financial in the upper half of its industry. The industry median FCF Margin % is 25.85. Community Heritage Financial's value of 28.11% is 8.8% above this benchmark. While the company's 10-year median is 28.11 vs. the industry median of 25.85, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current FCF Margin % of 28.11% is 8.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current FCF Margin % is 28.11%, which is near median its own 10-year median of 28.11. 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 FCF Margin % is 28.11%, which is near median its 10-year median of 28.11 and 8.8% above the Banks industry median of 25.85. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current FCF Margin % is 28.11% as of Dec. 2025. 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:
FCF Margin %: 28.11% (near median its 10-year median of 28.11)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 8.8% above the Banks median (#687 of 1502)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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