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Community Heritage Financial, Inc. (CMHF)
Middletown, MD, US
Operating via its various subsidiaries, Community Heritage Financial, Inc. offers comprehensive retail and commercial banking solutions, serving both private clients and corporate entities across Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. Its operational structure is bifurcated into two core divisions: Commercial Banking and Mortgage Banking. The Commercial Banking unit furnishes a diverse array of lending products, encompassing commercial, property, installment, and personal loans, alongside various other forms of corporate finance. Furthermore, it manages a selection of deposit vehicles, such as checking accounts, savings accounts, term deposits, and certificates of deposit. Meanwhile, the Mortgage Banking division principally focuses on creating residential mortgage loans, which are then divested into the broader secondary market. Beyond its banking functions, the institution also extends life insurance offerings. Its physical footprint consists of eight branches strategically positioned within Frederick and Washington Counties, Maryland. Established in 2018, the firm maintains its corporate headquarters in Middletown, Maryland.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +3.60% | +11.18% | +29.70% | +28.25% | +32.74% | +130.00% | +50.00% | -86.98% | -72.40% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
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Revenue growth+5.6% Q1'26: +12.8% (vs Q1'25)
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EPS growth+29.1% Q1'26: +51.6% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +24.4% (vs Q1'25)
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ROIC— Q1'26: +10.4% (vs Q1'25)
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Share dilution+0.8% Q1'26: +0.4% (vs Q1'25)
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Debt / EBITDA— Q1'26: 3.84× (vs Q1'25)
* 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.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-14 | 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 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | SIENA CAPITAL PARTNERS GP, LLC | 129.0K +— (+0.0%) | 3.45M -406.4K (-10.5%) | 4.40% +0.008 pp | 0.93% -0.178 pp | USD20.50 +31.2% | 14 qtrs — |
| 2 | BANC FUNDS CO LLC | 96.0K -34.3K (-26.3%) | 2.58M -1.4M (-35.0%) | 3.27% -1.160 pp | 0.51% -0.184 pp | USD21.15 +27.2% | 29 qtrs — |
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Robert E. Goetz Jr. | President, Chief Executive Officer & Director | 467.0K | male |
| Brenda McComas | Executive Vice President & Chief Risk Officer | 286.3K | female |
| J. Michael Hill | Executive Vice President & Chief Risk Officer | 286.3K | male |
| Dawn Lowe | Executive Vice President and Chief Talent & Culture Officer | — | female |
| Dustin A. Watson | Executive Vice President & Chief Credit Officer | — | male |
| Ryan Lampton | Executive Vice President & President of Commercial Banking | — | male |
| John A. Scaldara Jr. | Executive Vice President & Chief Financial Officer | — | male |
| Michelle Lease | Corporate Secretary | — | female |
| Christy Lautenslager | Corporate Secretary | — | female |
| Cody Hill | Executive Vice President & Chief Operating Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CMHF
Short-term intention
Target Price Distribution
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.
