CMHF (Community Heritage Financial) Scaled Net Operating Assets: 0.11 (As of Dec. 2025)

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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 Scaled Net Operating Assets?

Community Heritage Financial CMHF 52 Scaled Net Operating Assets is 0.11 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Community Heritage Financial's operating assets for the quarter that ended in Dec. 2025 was $1,098.37 Mil. Community Heritage Financial's operating liabilities for the quarter that ended in Dec. 2025 was $990.09 Mil. Community Heritage Financial's Total Assets for the quarter that ended in Dec. 2024 was $1,020.38 Mil. Therefore, Community Heritage Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.11.

CMHF
52GF Score
Community Heritage Financial Inc CMHF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Heritage Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Community Heritage Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1098.373-990.088)/1020.38
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1129.08 - 30.707
=1098.373

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1040.229 - 50.141 - 0
=990.088

Community Heritage Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1098.373-990.088)/1020.38
=0.11

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1129.08 - 30.707
=1098.373

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1040.229 - 50.141 - 0
=990.088

* 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.

What does a Scaled Net Operating Assets of 0.11 mean?
Community Heritage Financial (CMHF) has a Scaled Net Operating Assets of 0.11 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Community Heritage Financial and its competitors.
Is Community Heritage Financial's Scaled Net Operating Assets too high?
Community Heritage Financial's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets compare to HYNE and BOTJ?
Community Heritage Financial's Scaled Net Operating Assets of 0.11 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Community Heritage Financial and its competitors. Community Heritage Financial's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current Scaled Net Operating Assets is 0.11 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:

  • Scaled Net Operating Assets: 0.11
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.00
Price
$27.62
GF Value