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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is Community Heritage Financial Inc?
operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking products and services to individuals and businesses in Maryland and Pennsylvania.
CMHF · Verdict
Moderate reward · elevated risk
CMHF stands out on volatility and profitability, but watch the balance sheet signal.
Based on 88% data coverage
CMHF · Verdict
What’s working & what to watch
Strengths 2
- Volatility95/100
Top decile vs peers
- Profitability72/100
14% net margin · 10% ROE
Watchouts 2
- Balance sheet16/100
Net debt/EBITDA 4.8×
- Valuation43/100
Below average
Model-based scoring. For information only — not financial advice.
What is Community Heritage Financial Inc?
operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking products and services to individuals and businesses in Maryland and Pennsylvania. It offers checking, savings, and individual retirement accounts; demand and time deposits; personal, household appliance/furnishing, recreation, auto, commercial real estate, capital improvement, acquisition, installment, commercial business, and agricultural loans; real estate mortgages and debt consolidation financing; overdraft protection lines of credit; business lines of credit; and letters of credit. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 90.59M, and a P/E ratio of 10.5x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (54)The scoring profile indicates limited reward potential at this time, with profitability and growth offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.
For informational purposes only. Not financial advice.