See more : Neto Malinda Trading Ltd. (NTML.TA) Income Statement Analysis – Financial Results
Complete financial analysis of Community Heritage Financial, Inc. (CMHF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Community Heritage Financial, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Community Heritage Financial, Inc. (CMHF)
About Community Heritage Financial, Inc.
Community Heritage Financial, Inc., through its subsidiaries, provides retail and commercial banking services to individuals and businesses in Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. It operates in two segments, Commercial Banking and Mortgage Banking. The Commercial Banking segment offers commercial loans, real estate loans, installment loans, and consumer loans, as well as other business financing services; and deposit products, including demand deposit accounts, savings accounts, time deposit, and certificates of deposit. The Mortgage Banking segment primarily engages in the origination of residential mortgages for sale into the secondary market. The company also provides life insurance services. It operates through a network of eight branches located in Frederick and Washington Counties, Maryland. The company was incorporated in 2018 and is based in Middletown, Maryland.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30.13M | 36.23M | 34.09M | 32.43M | 24.93M | 17.48M | 12.94M | 9.20M | 7.08M | 6.58M |
| Cost of Revenue | -16.62M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 46.75M | 36.23M | 34.09M | 32.43M | 24.93M | 17.48M | 12.94M | 9.20M | 7.08M | 6.58M |
| Gross Profit Ratio | 155.18% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 3.79M | 710.70K | 712.54K | 746.44K | 683.70K | 869.53K | 806.33K | 1.03M | 902.81K | 874.20K |
| Selling & Marketing | 301.30K | 276.52K | 297.60K | 271.44K | 137.71K | 141.11K | 114.42K | 5.31M | 4.29M | 3.87M |
| SG&A | 21.82M | 987.22K | 1.01M | 1.02M | 821.40K | 9.51M | 7.01M | 6.34M | 5.19M | 4.75M |
| Other Expenses | 0.00 | -5.60M | -5.19M | -4.62M | -4.16M | -3.07M | -2.59M | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 24.45M | 5.60M | 5.19M | 4.62M | 4.16M | 3.07M | 2.59M | 7.93M | 6.65M | 5.91M |
| Cost & Expenses | 24.45M | 26.98M | 25.90M | 26.72M | 21.37M | 14.81M | 10.47M | 7.93M | 6.65M | 5.91M |
| Interest Income | 0.00 | 32.37M | 27.10M | 24.16M | 21.09M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Expense | 1.88M | 4.91M | 2.92M | 4.52M | 4.49M | 27.22K | 7.99K | 0.00 | 0.00 | 0.00 |
| Depreciation & Amortization | -6.32M | 1.33M | 1.26M | 1.19M | 667.63K | 497.94K | 433.71K | -1.74M | -924.39K | -873.20K |
| EBITDA | -639.08K | 10.65M | 9.47M | 6.90M | -439.56K | 3.17M | 2.90M | -461.99K | -489.01K | -202.21K |
| EBITDA Ratio | -2.12% | -1.58% | -1.29% | -0.87% | -0.70% | -0.54% | -0.74% | -5.02% | -6.91% | -3.07% |
| Operating Income | 6.32M | 9.89M | 8.65M | 5.99M | 3.73M | 2.76M | 2.56M | 1.74M | 924.39K | 873.20K |
| Operating Income Ratio | 20.98% | 27.29% | 25.37% | 18.47% | 14.98% | 15.82% | 19.79% | 18.88% | 13.05% | 13.28% |
| Total Other Income/Expenses | -639.08K | -1.33M | -1.26M | -1.19M | -174.95K | -94.96K | -95.59K | -461.99K | -489.01K | -202.21K |
| Income Before Tax | 5.68M | 9.32M | 8.21M | 5.71M | 3.56M | 2.67M | 2.46M | 1.28M | 435.38K | 670.99K |
| Income Before Tax Ratio | 18.86% | 25.71% | 24.07% | 17.60% | 14.27% | 15.27% | 19.05% | 13.86% | 6.15% | 10.20% |
| Income Tax Expense | 1.39M | 2.46M | 2.19M | 1.58M | 928.12K | 701.65K | 1.25M | 383.07K | 69.38K | 173.73K |
| Net Income | 4.30M | 6.86M | 6.02M | 4.13M | 2.63M | 1.97M | 1.22M | 892.97K | 366.01K | 497.26K |
| Net Income Ratio | 14.26% | 18.92% | 17.65% | 12.73% | 10.55% | 11.26% | 9.41% | 9.70% | 5.17% | 7.56% |
| EPS | 1.48 | 2.85 | 2.67 | 1.83 | 1.17 | 0.88 | 0.82 | 0.69 | 0.28 | 0.46 |
| EPS Diluted | 1.47 | 2.84 | 2.67 | 1.83 | 1.17 | 0.88 | 0.82 | 0.69 | 0.28 | 0.46 |
| Weighted Avg Shares Out | 2.91M | 2.41M | 2.25M | 2.25M | 2.25M | 2.23M | 1.48M | 1.29M | 1.29M | 1.09M |
| Weighted Avg Shares Out (Dil) | 2.93M | 2.41M | 2.25M | 2.25M | 2.25M | 2.23M | 1.48M | 1.29M | 1.29M | 1.09M |
Community Heritage Financial, Inc. Completes $12.1 Million Subordinated Debt Offering
MIDDLETOWN, Md. , Oct. 31, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (the "Company" or "CHF") (OTC PK: CMHF), the parent company of Middletown Valley Bank ("MVB" or the "Bank"), today announced the completion of a private offering of $12.1...
Community Heritage Financial, Inc. Reports Earnings for the Third Quarter of 2024
MIDDLETOWN, Md. , Oct. 22, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (the "Company" or "CHF") (OTC PK: CMHF), the parent company of Middletown Valley Bank ("MVB" or the "Bank"), reported net income of $2.0 million, or $0.70 per diluted...
Community Heritage Financial, Inc. Announces Third Quarter 2024 Dividend
MIDDLETOWN, Md. , Oct. 21, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (OTCPK: CMHF), announced today its Board of Directors declared a quarterly cash dividend on its common stock of $0.06 per share.
Community Heritage Financial, Inc. Announces New Member to the Board of Directors
MIDDLETOWN, Md. , Aug. 5, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (the "Company") (OTCPK: CMHF), the holding company for Middletown Valley Bank (the "Bank") today announced the appointment of Kelly Schulz as an independent director to the boards of the...
Community Heritage Financial, Inc. Announces Second Quarter 2024 Dividend
MIDDLETOWN, Md. , July 22, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (OTCPK: CMHF), announced today its Board of Directors declared a quarterly cash dividend on its common stock of $0.06 per share.
Jessica Green joins the Community Heritage Financial, Inc. Board of Directors
MIDDLETOWN, Md. , May 3, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (the "Company") (OTCPK: CMHF), the holding company for Middletown Valley Bank (the "Bank") announced the appointment of Jessica Green as an independent director to the board of directors for...
Community Heritage Financial, Inc. Reports Earnings for the First Quarter of 2024
MIDDLETOWN, Md. , April 23, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (the "Company" or "CHF") (OTC PK: CMHF), the parent company of Middletown Valley Bank ("MVB" or the "Bank"), reported net income of $1.4 million, or $0.48 per diluted...
Community Heritage Financial, Inc. Announces First Quarter 2024 Dividend
MIDDLETOWN, Md. , April 22, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (OTCPK: CMHF), announced today its Board of Directors declared a quarterly cash dividend on its common stock of $0.06 per share.
Community Heritage Financial, Inc. Reports Earnings for the Year Ended 2023
MIDDLETOWN, Md. , Jan. 29, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (the "Company" or "CHF") (OTC PK: CMHF), the parent company of Middletown Valley Bank ("MVB" or the "Bank"), announced today that the Company earned net income of $4.3...
Community Heritage Financial, Inc. Announces Fourth Quarter 2023 Dividend
MIDDLETOWN, Md. , Jan. 22, 2024 /PRNewswire/ -- Community Heritage Financial, Inc. (OTCPK: CMHF), announced today its Board of Directors declared a quarterly cash dividend on its common stock of $0.06 per share.
Source: https://incomestatements.info
Category: Stock Reports