CMHF (Community Heritage Financial) Tariff Resilience Score: 8/10 (As of Aug. 02, 2026)

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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 Tariff Resilience Score?

Community Heritage Financial CMHF 52 Tariff Resilience Score is 8 as of Aug. 02, 2026. 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 1,606 Banks companies, Community Heritage Financial ranks better than 78.77% on this metric.

Community Heritage Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Community Heritage Financial has Primarily a regional financial institution with minimal direct exposure to international trade tariffs. Limited global supply chain dependencies and negligible import/export activities.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Community Heritage Financial might have Highly Resilient.

Community Heritage Financial  (OTCPK:CMHF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Community Heritage Financial Tariff Resilience Score Related Terms

CMHF vs HYNE, BOTJ, FMBN: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Community Heritage Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Community Heritage Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Community Heritage Financial's Tariff Resilience Score falls into.


CMHF
52GF Score
Community Heritage Financial Inc CMHF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Community Heritage Financial (CMHF) has a Tariff Resilience Score of 8 as of Aug. 02, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Community Heritage Financial ranks #341 out of 1606 companies in the Banks industry, placing it in the top 21.2%.
Is Community Heritage Financial's Tariff Resilience Score too high?
Community Heritage Financial's current Tariff Resilience Score is 8. Based on the distribution chart, Community Heritage Financial ranks #341 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to HYNE and BOTJ?
According to the Banks industry distribution chart, Community Heritage Financial ranks #341 out of 1606 companies for Tariff Resilience Score. This places Community Heritage Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Community Heritage Financial's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Community Heritage Financial (CMHF), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • 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

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

$42.00
Price
$27.62
GF Value