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Community Heritage FinancialCMHF 52 FCF Yield % is 8.96 as of Aug. 02, 2026, which is 22% below its 10-year median of 11.50. 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 55.79% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Community Heritage Financial FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Community Heritage Financial FCF Yield % Related Terms
Community Heritage Financial FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's FCF Yield % 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 Yield % of 8.96 as of Aug. 02, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Community Heritage Financial and its competitors. This is 22% below median its historical median of 11.50. According to the industry distribution chart, Community Heritage Financial ranks #664 out of 1502 companies in the Banks industry, placing it in the top 44.2%.
Is Community Heritage Financial's FCF Yield % too high?
Community Heritage Financial's current FCF Yield % of 8.96 is 22% below median its 10-year median of 11.50. The Banks industry median FCF Yield % is 7.90. Community Heritage Financial's value of 8.96 is 13.4% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #664 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 Yield % compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #664 out of 1502 companies for FCF Yield %. This puts Community Heritage Financial in the upper half of its industry. The industry median FCF Yield % is 7.90. Community Heritage Financial's value of 8.96 is 13.4% above this benchmark. While the company's 10-year median is 11.50 vs. the industry median of 7.90, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.90, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current FCF Yield % of 8.96 is 13.4% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median FCF Yield % is 7.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current FCF Yield % is 8.96, which is 22% below median its own 10-year median of 11.50. 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 Yield % is 8.96, which is 22% below median its 10-year median of 11.50 and 13.4% above the Banks industry median of 7.90. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current FCF Yield % is 8.96 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:
FCF Yield %: 8.96 (22% below median its 10-year median of 11.50)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 13.4% above the Banks median (#664 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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