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Community Heritage FinancialCMHF 52 PS Ratio is 3.15 as of Aug. 02, 2026, which is 70% above its 10-year median of 1.85. 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 1,516 Banks companies, Community Heritage Financial ranks worse than 52.18% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Community Heritage Financial's share price is $42.00.
Community Heritage Financial's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $13.32. Hence, Community Heritage Financial's PS Ratio for today is 3.15.
Warning Sign:
Community Heritage Financial Inc stock PS Ratio (=3.15) is close to 10-year high of 3.15.
The historical rank and industry rank for Community Heritage Financial's PS Ratio or its related term are showing as below:
CMHF'
s PS Ratio Range Over the Past 10 Years
Min: 1.06 Med: 1.85 Max: 3.15
Current: 3.15
During the past 7 years, Community Heritage Financial's highest PS Ratio was 3.15. The lowest was 1.06. And the median was 1.85.
CMHF's PS Ratio is ranked worse than 52.18% of 1516
companies
in the Banks industry
Industry Median: 3.06
vs CMHF: 3.15
During the past 7 years, Community Heritage Financial's highest 3-Year average Revenue per Share Growth Rate was 12.70% per year. The lowest was -6.90% per year. And the median was -2.15% per year.
Community Heritage Financial (OTCPK:CMHF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Community Heritage Financial PS Ratio Related Terms
Community Heritage Financial PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Community Heritage Financial's Share Price of today is $42.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Community Heritage Financial's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $13.32.
* 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:
Community Heritage Financial (CMHF) has a PS Ratio of 3.15 as of Aug. 02, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Community Heritage Financial and its competitors. This is 70% above median its historical median of 1.85. Over the past decade, Community Heritage Financial's PS Ratio has ranged from 1.06 to 3.15. According to the industry distribution chart, Community Heritage Financial ranks #791 out of 1516 companies in the Banks industry, placing it in the top 52.2%.
Is Community Heritage Financial's PS Ratio too high?
Community Heritage Financial's current PS Ratio of 3.15 is 70% above median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 3.15. The Banks industry median PS Ratio is 3.06. Community Heritage Financial's value of 3.15 is 2.9% above this industry median. Based on the distribution chart, Community Heritage Financial ranks #791 out of 1516 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 PS Ratio compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #791 out of 1516 companies for PS Ratio. This places Community Heritage Financial in the lower half of its industry. The industry median PS Ratio is 3.06. Community Heritage Financial's value of 3.15 is 2.9% above this benchmark. Historically, Community Heritage Financial's own PS Ratio has ranged from 1.06 to 3.15 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current PS Ratio of 3.15 is 2.9% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current PS Ratio is 3.15, which is 70% above median its own 10-year median of 1.85. 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 PS Ratio is 3.15, which is 70% above median its 10-year median of 1.85 and 2.9% above the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current PS Ratio is 3.15 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:
PS Ratio: 3.15 (70% above median its 10-year median of 1.85)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 2.9% above the Banks median (#791 of 1516)
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
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