Stock fact sheet · data as of
Community Heritage Financial, Inc. (CMHF): fair value, margin of safety and Wheel Score
Ticker symbol CMHF · Financial Services · Banks - Regional · United States · Blend
Is CMHF undervalued?
At 41.80 (close of 5 Nov 2026), CMHF trades within a few percent of the GLS average fair value of 41.42 (0.9% above fair value). 9 models produced a value and they split 4 above the price to 5 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
The 9 models disagree widely: Lynch gives 3.52 while 10 Cap gives 97.32. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for CMHF, so the nightly engine files it under Blend (value score 50, growth score 36, out of 100).
Nine valuation models for CMHF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 79.39 | +90% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 43.56 | +4% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 30.19 | -28% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.52 | -92% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 9.60 | -77% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 97.32 | +133% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 73.30 | +75% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.71 | -89% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 31.15 | -25% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -341.21 | -916% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: CMHF passes 4 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 3.9 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are moderate - ROIC 6.0%, ROE 9.7%, ROA 0.8% - with debt at 0.62 times equity and negative free cash flow.
The dividend yield is 0.77% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 6.0% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | 9.7% |
| Debt / equity | 0.62 | ROA | 0.8% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 16: No options
CMHF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (16 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 2k shares a day on a market cap of $123M, with a beta of 0.32 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 1% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $123M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 1% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.9/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.32, $123M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CMHF in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Community Heritage Financial, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| JFBC Jeffersonville Bancorp | 29.00 | 55.42 | +48% | 31No options | $123M |
| OXBC Oxford Bank Corporation | 50.10 | 98.54 | +49% | 31No options | $124M |
| WSBK Winchester Bancorp, Inc. Common Stock | 13.64 | 11.78 | -16% | 18No options | $122M |
| NMBF Nmb Financial Corp | 22.85 | 35.13 | +35% | 31No options | $122M |
| MPCB Mountain Pacific Bancorp Inc | 17.35 | 54.88 | +68% | 35No options | $121M |
| FKYS First Keystone Corporation | 19.14 | 18.60 | -3% | 17No options | $125M |
| BORT Bank of Botetourt | 63.52 | 112.99 | +44% | 33No options | $125M |
| RVSB Riverview Bancorp, Inc. | 6.13 | 7.03 | +13% | 38Weak | $121M |
| CNBP Cornerstone Bancorp Inc. | 123.00 | 136.99 | +10% | 25No options | $121M |
| CZBS Citizens Bancshares Corporation | 72.13 | 135.70 | +47% | 34No options | $126M |
| BBNA Bonvenu Bancorp, Inc. | 18.50 | 17.78 | -4% | 21No options | $121M |
| CWBK CW Bancorp | 41.05 | 112.98 | +64% | 34No options | $120M |
⚖ Compare CMHF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CMHF
Is CMHF undervalued right now?
Not meaningfully: at 41.80 the stock trades within a few percent of the GLS average fair value of 41.42 (0.9% above fair value, data as of 5 Nov 2026).
What is the Wheel Score of CMHF and what does it mean?
CMHF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CMHF?
41.42 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Community Heritage Financial, Inc. report earnings next?
No upcoming earnings date is recorded for CMHF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CMHF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CMHF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.