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Croghan Bancshares, Inc. (CHBH)

USD61.51 -0.48 (-0.77%)
US OTC Financial Services Banks - Regional
Address 323 Croghan Street 43420
Fremont, OH, US
CEO Kendall W. Rieman
IPO 1999-03-09
ISIN US2270721051

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Description

Croghan Bancshares, Inc., headquartered in Fremont, Ohio, since its incorporation in 1888, serves as the holding company for Croghan Colonial Bank. This state-chartered financial institution delivers a broad spectrum of commercial and retail banking solutions to individual consumers and businesses throughout Ohio. Customers can access diverse deposit accounts, including checking, savings, money market, certificates of deposit, IRAs, time deposit accounts, and health savings accounts. The bank's extensive lending options cater to various needs, from personal and agricultural loans, real estate and mortgage financing, and credit for vehicles (auto, boat, RV, motorcycle) and home improvements, to comprehensive business solutions like small business loans, commercial real estate loans, equipment financing, business succession loans, and lines of credit. Beyond traditional banking, Croghan Colonial Bank provides equipment leasing services, along with trust and investment management offerings that encompass retirement, financial, and legacy planning. Further enhancing its client services are fraud protection, a selection of investment products such as annuities and college savings plans, insurance coverage, and overdraft protection. The bank also supports modern banking conveniences like credit and debit cards, online and mobile banking, electronic statements and bill pay, mobile deposits, merchant services, remote deposit capture, and secure safe deposit boxes. It maintains a physical presence across Ohio with 19 banking centers situated in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Oak Harbor, Oregon, Port Clinton, and Tiffin.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD61.51 -0.48 (-0.77%)
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Volume Profile
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Liquidity & share structure
Average Volume
358
Beta
0.22
Float Shares
2.13M
Free Float %
105.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.45% +0.27% +5.99% +19.51% +12.47% +26.63% +20.30% -2.97% +56.67% +203.38%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
61.51
DCF (Unlevered) 114.78 +86.6%
DCF (Levered) 143.49 +133.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.58
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +11.0% Q1'26: +19.8% (vs Q1'25)
  • EPS growth
    +24.2% Q1'26: +37.8% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +23.3% (vs Q1'25)
  • ROIC
    Q1'26: +5.9% (vs Q1'25)
  • Share dilution
    -2.9% Q1'26: -2.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 8.34× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.22) × ERP
WACC = 46% × Ke + 54% × Kd (13.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 114.78 Current price: 61.51
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-21 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-18 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-11 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-08 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-06 B+ 3/5 5/5 3/5 3/5 2/5 3/5 3/5
2026-05-05 A- 4/5 5/5 3/5 4/5 2/5 3/5 3/5
2026-05-04 A- 4/5 5/5 3/5 4/5 2/5 3/5 3/5
2026-05-01 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-30 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-28 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-20 A- 4/5 5/5 3/5 4/5 2/5 3/5 3/5
2026-04-17 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.44M
OE per share TTM
0.68
Owner's Yield
1.19%
Maintenance CapEx ratio
7.06%
Maint CapEx / Avg PPE
14.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
73.1K
Shares Outstanding
2.01M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Kendall W. Rieman President, Chief Executive Officer & Director 251.4K male
Amy LeJeune Investor Relations Officer & Assistant Secretary female
Brad Elfring Treasurer male
Chris Kelly Senior Vice President & Chief Credit Officer of The Croghan Colonial Bank
Steve VanDette Secretary male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits