About Community Heritage Financial, Inc. (CMHF) — Dividend Analysis 2026
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.
Is CMHF a good dividend investment in 2026?
CMHF offers a 1.03% forward yield with a 50% payout ratio. Strand Safety Score: 100/100 (Very Safe). The 5-year dividend CAGR of 100% demonstrates strong, consistent growth that outpaces inflation.
CMHF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CMHF portfolio grows to $908.9K vs $578.9K without reinvestment. This is the compound interest effect in action.
CMHF dividend growth history & forecast
CMHF has grown its dividend by 0% over the last year and 100% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 1.03%.
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 CMHF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CMHF.
Gross yield
1.03%
Tax rate
15.00%
After-tax yield
0.88%
Real yield (−CPI)
-1.92%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
1.03%
-1.77%
$103 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.88%
-1.92%
$88 / yr
🇺🇸 US Taxable (20%)
20%
0.82%
-1.98%
$82 / yr
🇬🇧 UK ISA
0%
1.03%
-1.77%
$103 / yr
🇬🇧 UK Taxable
8.75%
0.94%
-1.86%
$94 / yr
🇨🇦 TFSA
0%
1.03%
-1.77%
$103 / yr
🇨🇦 CA Taxable
25%
0.77%
-2.03%
$77 / yr
🇦🇺 Super (pension)
15%
0.88%
-1.92%
$88 / yr
🇦🇺 AU Taxable
30%
0.72%
-2.08%
$72 / yr
🇩🇪 DE Taxable
26.375%
0.76%
-2.04%
$76 / yr
🇫🇷 FR Taxable
30%
0.72%
-2.08%
$72 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CMHF Income Goal & Break-Even
Dividend Break-Even
7yr
Years for dividends to fully repay your CMHF investment of $31.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$279.5K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$277.1K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CMHF for:
Shares needed
88,236
Capital required
$2,735,316
Monthly income
$2,000
Based on current dividend of $0.32/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CMHF Dividend Payment Schedule
CMHF pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$0.68 / payment
$2.72 / year after tax
100 shares
$6.80 / payment
$27.20 / year after tax
1,000 shares
$68.00 / payment
$272.00 / year after tax
📊 CMHF vs Financial Services Benchmarks
How CMHF compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-1.87% vs sectorBelow avg
CMHF
1.03%
avg
2.90%
5Y Dividend CAGR▲+92.90% vs sectorBetter
CMHF
100.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
CMHF
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CMHF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CMHF Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
-0.05
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
5/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CMHF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →