CMHF (Community Heritage Financial) Valuation Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

CMHF Community Heritage Financial Inc CMHF
52 GF Score
Price $42.00
GF Value $27.62
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Community Heritage Financial Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

Community Heritage Financial Valuation Rank Related Terms

CMHF
52GF Score
Community Heritage Financial Inc CMHF
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Valuation Rank:
  • GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
  • GF Score™: 52/100 with 7 warning signs

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 Business Description

Address 24 West Main Street, P.O. Box 75, Middletown, MD, USA, 21769
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

Valuation Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.00
Price
$27.62
GF Value