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What is Community Heritage Financial Net Margin %?
Community Heritage FinancialCMHF 52 Net Margin % is 22.03% as of Dec. 2025, which is 13% above its 10-year median of 19.53. 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 1,526 Banks companies, Community Heritage Financial ranks worse than 65.53% on this metric.
Community Heritage Financial (OTCPK:CMHF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Community Heritage Financial Net Margin % Related Terms
Community Heritage Financial Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's Net 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 Net Margin % of 22.03% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Community Heritage Financial and its competitors. This is 13% above median its historical median of 19.53. Over the past decade, Community Heritage Financial's Net Margin % has ranged from 13.08 to 22.24. According to the industry distribution chart, Community Heritage Financial ranks #1000 out of 1526 companies in the Banks industry, placing it in the top 65.5%.
Is Community Heritage Financial's Net Margin % too high?
Community Heritage Financial's current Net Margin % of 22.03% is 13% above median its 10-year median of 19.53. Over the past 10 years, this metric has ranged from a low of 13.08 to a high of 22.24. The Banks industry median Net Margin % is 27.06. Community Heritage Financial's value of 22.03% is 18.6% below this industry median. Based on the distribution chart, Community Heritage Financial ranks #1000 out of 1526 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 Net Margin % compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #1000 out of 1526 companies for Net Margin %. This places Community Heritage Financial in the lower half of its industry. The industry median Net Margin % is 27.06. Community Heritage Financial's value of 22.03% is 18.6% below this benchmark. Historically, Community Heritage Financial's own Net Margin % has ranged from 13.08 to 22.24 over the past decade. While the company's 10-year median is 19.53 vs. the industry median of 27.06, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current Net Margin % of 22.03% is 18.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current Net Margin % is 22.03%, which is 13% above median its own 10-year median of 19.53. 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 Net Margin % is 22.03%, which is 13% above median its 10-year median of 19.53 and 18.6% below the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current Net Margin % is 22.03% 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:
Net Margin %: 22.03% (13% above median its 10-year median of 19.53)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 18.6% below the Banks median (#1000 of 1526)
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
Get the complete analysis for CMHF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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