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Community Heritage FinancialCMHF 52 PEG Ratio is 3.19 as of Aug. 02, 2026, which is 2% below its 10-year median of 3.24. 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 1,231 Banks companies, Community Heritage Financial ranks worse than 75.39% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Community Heritage Financial's PEG Ratio or its related term are showing as below:
CMHF'
s PEG Ratio Range Over the Past 10 Years
Min: 2.07 Med: 3.24 Max: 3.98
Current: 3.19
During the past 7 years, Community Heritage Financial's highest PEG Ratio was 3.98. The lowest was 2.07. And the median was 3.24.
CMHF's PEG Ratio is ranked worse than 75.39% of 1231
companies
in the Banks industry
Industry Median: 1.56
vs CMHF: 3.19
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Community Heritage Financial (OTCPK:CMHF) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Community Heritage Financial PEG Ratio Related Terms
Community Heritage Financial PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Community Heritage Financial (CMHF) has a PEG Ratio of 3.19 as of Aug. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Community Heritage Financial and its competitors. This is near median its historical median of 3.24. Over the past decade, Community Heritage Financial's PEG Ratio has ranged from 2.07 to 3.98. According to the industry distribution chart, Community Heritage Financial ranks #928 out of 1231 companies in the Banks industry, placing it in the top 75.4%.
Is Community Heritage Financial's PEG Ratio too high?
Community Heritage Financial's current PEG Ratio of 3.19 is near median its 10-year median of 3.24. Over the past 10 years, this metric has ranged from a low of 2.07 to a high of 3.98. The Banks industry median PEG Ratio is 1.56. Community Heritage Financial's value of 3.19 is 104.5% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #928 out of 1231 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #928 out of 1231 companies for PEG Ratio. This places Community Heritage Financial in the lower half of its industry. The industry median PEG Ratio is 1.56. Community Heritage Financial's value of 3.19 is 104.5% above this benchmark. Historically, Community Heritage Financial's own PEG Ratio has ranged from 2.07 to 3.98 over the past decade. While the company's 10-year median is 3.24 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current PEG Ratio of 3.19 is 104.5% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current PEG Ratio is 3.19, which is near median its own 10-year median of 3.24. 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 PEG Ratio is 3.19, which is near median its 10-year median of 3.24 and 104.5% above the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current PEG Ratio is 3.19 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:
PEG Ratio: 3.19 (near median its 10-year median of 3.24)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 104.5% above the Banks median (#928 of 1231)
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
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