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 PB Ratio is 1.39 as of Aug. 02, 2026, which is 58% above its 10-year median of 0.88. 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 1,515 Banks companies, Community Heritage Financial ranks worse than 69.7% on this metric.
Community Heritage Financial Inc stock PB Ratio (=1.39) is close to 10-year high of 1.39.
The historical rank and industry rank for Community Heritage Financial's PB Ratio or its related term are showing as below:
CMHF'
s PB Ratio Range Over the Past 10 Years
Min: 0.58 Med: 0.88 Max: 1.39
Current: 1.39
During the past 7 years, Community Heritage Financial's highest PB Ratio was 1.39. The lowest was 0.58. And the median was 0.88.
CMHF's PB Ratio is ranked worse than 69.7% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs CMHF: 1.39
During the past 12 months, Community Heritage Financial's average Book Value Per Share Growth Rate was 11.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.50% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Community Heritage Financial was 9.50% per year. The lowest was 1.30% per year. And the median was 2.25% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Community Heritage Financial PB Ratio Related Terms
Community Heritage Financial PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Community Heritage Financial (CMHF) has a PB Ratio of 1.39 as of Aug. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Community Heritage Financial and its competitors. This is 58% above median its historical median of 0.88. Over the past decade, Community Heritage Financial's PB Ratio has ranged from 0.58 to 1.39. According to the industry distribution chart, Community Heritage Financial ranks #1056 out of 1515 companies in the Banks industry, placing it in the top 69.7%.
Is Community Heritage Financial's PB Ratio too high?
Community Heritage Financial's current PB Ratio of 1.39 is 58% above median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 1.39. The Banks industry median PB Ratio is 1.11. Community Heritage Financial's value of 1.39 is 25.2% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #1056 out of 1515 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 PB Ratio compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #1056 out of 1515 companies for PB Ratio. This places Community Heritage Financial in the lower half of its industry. The industry median PB Ratio is 1.11. Community Heritage Financial's value of 1.39 is 25.2% above this benchmark. Historically, Community Heritage Financial's own PB Ratio has ranged from 0.58 to 1.39 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current PB Ratio of 1.39 is 25.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current PB Ratio is 1.39, which is 58% above median its own 10-year median of 0.88. 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 PB Ratio is 1.39, which is 58% above median its 10-year median of 0.88 and 25.2% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current PB Ratio is 1.39 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:
PB Ratio: 1.39 (58% above median its 10-year median of 0.88)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 25.2% above the Banks median (#1056 of 1515)
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
PB Ratio 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 
