Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Community Heritage FinancialCMHF 52 OCF Yield % is 10.31 as of Aug. 02, 2026, which is 19% below its 10-year median of 12.71. 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 1,498 Banks companies, Community Heritage Financial ranks better than 56.28% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Community Heritage Financial OCF Yield % Explanation
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
Community Heritage Financial OCF 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's OCF 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 OCF Yield % of 10.31 as of Aug. 02, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Community Heritage Financial and its competitors. This is 19% below median its historical median of 12.71. According to the industry distribution chart, Community Heritage Financial ranks #655 out of 1498 companies in the Banks industry, placing it in the top 43.7%.
Is Community Heritage Financial's OCF Yield % too high?
Community Heritage Financial's current OCF Yield % of 10.31 is 19% below median its 10-year median of 12.71. The Banks industry median OCF Yield % is 9.00. Community Heritage Financial's value of 10.31 is 14.6% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #655 out of 1498 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 OCF Yield % compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #655 out of 1498 companies for OCF Yield %. This puts Community Heritage Financial in the upper half of its industry. The industry median OCF Yield % is 9.00. Community Heritage Financial's value of 10.31 is 14.6% above this benchmark. While the company's 10-year median is 12.71 vs. the industry median of 9.00, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current OCF Yield % of 10.31 is 14.6% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median OCF Yield % is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current OCF Yield % is 10.31, which is 19% below median its own 10-year median of 12.71. 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 OCF Yield % is 10.31, which is 19% below median its 10-year median of 12.71 and 14.6% above the Banks industry median of 9.00. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current OCF Yield % is 10.31 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:
OCF Yield %: 10.31 (19% below median its 10-year median of 12.71)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 14.6% above the Banks median (#655 of 1498)
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
OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CMHF has been successfully added to your 
