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Community Heritage FinancialCMHF 52 Return-on-Tangible-Asset is 0.81% as of Dec. 2025, which is 17% above its 10-year median of 0.69. 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 1,528 Banks companies, Community Heritage Financial ranks worse than 63.22% on this metric.
Community Heritage Financial (OTCPK:CMHF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Community Heritage Financial Return-on-Tangible-Asset Related Terms
Community Heritage Financial Return-on-Tangible-Asset 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.
Community Heritage Financial Return-on-Tangible-Asset Chart
CMHF vs HYNE, BOTJ, FMBN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Community Heritage Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Community Heritage Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Community Heritage Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.81% mean?
Community Heritage Financial (CMHF) has a Return-on-Tangible-Asset of 0.81% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Community Heritage Financial and its competitors. This is 17% above median its historical median of 0.69. Over the past decade, Community Heritage Financial's Return-on-Tangible-Asset has ranged from 0.45 to 0.81. According to the industry distribution chart, Community Heritage Financial ranks #966 out of 1528 companies in the Banks industry, placing it in the top 63.2%.
Is Community Heritage Financial's Return-on-Tangible-Asset too high?
Community Heritage Financial's current Return-on-Tangible-Asset of 0.81% is 17% above median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 0.81. The Banks industry median Return-on-Tangible-Asset is 1.01. Community Heritage Financial's value of 0.81% is 19.8% below this industry median. Based on the distribution chart, Community Heritage Financial ranks #966 out of 1528 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 Return-on-Tangible-Asset compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #966 out of 1528 companies for Return-on-Tangible-Asset. This places Community Heritage Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Community Heritage Financial's value of 0.81% is 19.8% below this benchmark. Historically, Community Heritage Financial's own Return-on-Tangible-Asset has ranged from 0.45 to 0.81 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.01, Community Heritage Financial has consistently been below 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Heritage Financial's current Return-on-Tangible-Asset of 0.81% is 19.8% below 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Community Heritage Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Heritage Financial's current Return-on-Tangible-Asset is 0.81%, which is 17% above median its own 10-year median of 0.69. 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 Return-on-Tangible-Asset is 0.81%, which is 17% above median its 10-year median of 0.69 and 19.8% below the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current Return-on-Tangible-Asset is 0.81% as of Dec. 2025. 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:
Return-on-Tangible-Asset: 0.81% (17% above median its 10-year median of 0.69)
GF Value™: $27.62 vs. price of $42.00 (52.1% above fair value)
Industry Position: 19.8% below the Banks median (#966 of 1528)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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