Community Heritage Financial, Inc. (CMHF) 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.
Sector: Banks - Regional
Industry: Banks - Regional
Community Heritage Financial, Inc. OTC:CMHF Financial Services · Banks - Regional
Mkt Cap $123.53M
Div Yield 0.76%
Mkt Cap $123.53M
Div Yield 0.76%
All Press Release SEC Filings News
Press Release ⚠ 3
Community Heritage Financial, Inc. Reports Third Quarter 2026 Results
Community Heritage Financial reported Q3 2026 net income of $4.1 million, or $1.39 diluted EPS, more than doubling from $1.9 million, or $0.66, in the year-ago quarter and rebounding from a Q2 loss tied to a $5.4 million securities-repositioning loss.
Net interest margin expanded to 3.88% from 3.40% a year ago, gross loans grew 9.4% YoY to $980.5 million, and credit quality improved with nonperforming assets at just 0.10% of total assets.
Excluding one-time items, core nine-month earnings rose 59.9% to $10.0 million ($3.38 diluted EPS), and annualized Q3 ROE reached 18.23%.
• 1d ago AI analysis › Press Release
Community Heritage Financial, Inc. Announces Adoption of Stock Repurchase Program
Community Heritage Financial's board adopted a stock repurchase program authorizing up to 147 thousand shares, roughly 5.0% of its 2.95 million shares outstanding.
Repurchases may occur on the open market or in private-negotiated transactions at management's discretion, subject to market conditions and regulatory limits, with the program expiring August 21, 2027.
The company can suspend, terminate, or modify the program at any time, so the authorization carries no obligation to repurchase a specific number of shares.
• 6d ago AI analysis › Press Release
Community Heritage Financial, Inc. Announces Third Quarter 2026 Dividend
Community Heritage Financial declared a quarterly cash dividend of $0.08 per share on its common stock.
The dividend is payable November 6, 2026 to shareholders of record on October 30, 2026.
This is a routine quarterly declaration from the parent of Middletown Valley Bank; no dividend increase or policy change was disclosed.
• 9d ago AI analysis › Press Release ⚠ 2
Community Heritage Financial, Inc. Reports Financial Results for the Second Quarter of 2026
Community Heritage Financial reported a Q2 2026 GAAP net loss of $1.1 million, or ($0.37) per share, driven primarily by a $3.9 million after-tax loss from a strategic securities portfolio repositioning and one-time retirement costs.
Excluding these items, adjusted net income was $3.0 million, or $1.02 per share, reflecting strong core performance with net interest margin expanding to 3.78% and loan portfolio growth of 11.6% year-over-year.
Asset quality remained robust with non-performing assets at just 0.10% of total assets, while the Board of Directors declared a quarterly dividend of $0.08 per share payable in August.
• 3mo ago AI analysis › Press Release
Community Heritage Financial, Inc. Announces Second Quarter 2026 Dividend
Community Heritage Financial's Board of Directors declared a quarterly cash dividend of $0.08 per share for the second quarter of 2026.
The dividend is payable on August 7, 2026 to shareholders of record as of July 31, 2026.
The company is the parent of Middletown Valley Bank, offering banking solutions and mortgage lending in Maryland and Pennsylvania.
• 3mo ago AI analysis › Press Release
Community Heritage Financial, Inc. Repositions Investment Portfolio
Community Heritage Financial sold $73.3 million in lower-yielding investment securities, recognizing an after-tax loss of $3.9 million.
The company used proceeds to buy $68.0 million in higher-yielding assets, expecting a 13 basis point boost to net interest margin and $1.1 million in annual net income.
The transaction reduces tangible book value by $1.64 per share and regulatory capital by $3.9 million, though the bank remains well-capitalized with a 3.6-year earn-back period.
• 5mo ago AI analysis › Press Release
Community Heritage Financial, Inc. Reports Record Earnings for the First Quarter 2026
Community Heritage Financial reported record net income of $2.9 million, or $0.97 per diluted share, for the first quarter of 2026, representing a 51.5% increase over the prior year.
The net interest margin expanded to 3.62% on growth in earning assets and a lower cost of funds, while total assets increased to $1.15 billion.
Asset quality improved with non-performing assets dropping to 0.11% of total assets, and the board declared a dividend of $0.08 per share.
• 6mo ago AI analysis › 
