CHBH (Croghan Bancshares) Margin of Safety % (DCF FCF Based): 17.07% (As of Jun. 25, 2026)


CHBH Croghan Bancshares Inc CHBH
57 GF Score
Price $61.00
GF Value $58.49
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Croghan Bancshares Margin of Safety % (DCF FCF Based)?

Croghan Bancshares CHBH 57 Margin of Safety % (DCF FCF Based) is 17.07% as of Jun. 25, 2026. GuruFocus rates CHBH with a GF Score™ of 57/100 and a GF Value™ of $58.49 (Fairly Valued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Croghan Bancshares's Predictability Rank is 2.5-Stars. Croghan Bancshares's intrinsic value calculated from the Discounted FCF model is $74.32 and current share price is $61.00. Consequently,

Croghan Bancshares's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 17.07%.

CHBH vs CBBI, CTUY, FMBM: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Croghan Bancshares's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

Croghan Bancshares Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Croghan Bancshares's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Croghan Bancshares's Margin of Safety % (DCF FCF Based) falls into.


CHBH
57GF Score
Croghan Bancshares Inc CHBH
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Croghan Bancshares Margin of Safety % (DCF FCF Based) Calculation

Croghan Bancshares's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(73.56-61.00)/73.56
=17.07 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 17.07% mean?
Croghan Bancshares (CHBH) has a Margin of Safety % (DCF FCF Based) of 17.07% as of Jun. 25, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Croghan Bancshares.
Is Croghan Bancshares' Margin of Safety % (DCF FCF Based) too high?
Croghan Bancshares' current Margin of Safety % (DCF FCF Based) is 17.07%. Overall, Croghan Bancshares has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' Margin of Safety % (DCF FCF Based) compare to CBBI and CTUY?
Croghan Bancshares' Margin of Safety % (DCF FCF Based) of 17.07% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Croghan Bancshares. Croghan Bancshares's current Margin of Safety % (DCF FCF Based) is 17.07%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Fairly Valued. The stock's GF Value™ is $58.49, compared to a current price of $61.00 — trading 4.3% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 17.07%. Croghan Bancshares' overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Croghan Bancshares (CHBH), the current Margin of Safety % (DCF FCF Based) is 17.07% as of Jun. 25, 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 Croghan Bancshares (CHBH) Overvalued in 2026?

Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued. The current stock price of $61.00 is trading 4.3% above its estimated GF Value™ of $58.49. GuruFocus considers Croghan Bancshares to be Fairly Valued.

Key valuation signals for CHBH:

  • Margin of Safety % (DCF FCF Based): 17.07%
  • GF Value™: $58.49 vs. price of $61.00 (4.3% above fair value)
  • GF Score™: 57/100 with 3 warning signs

No single metric tells the full story. See the CHBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Croghan Bancshares Business Description

Address 323 Croghan Street, Fremont, OH, USA, 43420
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. 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. The company operates in one industry segment, the commercial banking industry.
57GF Score

Get the complete analysis for CHBH

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$61.00
Price
$58.49
GF Value