Home Sectors Financial Services Valuation Now: Chemical Financial Corporation (NASDAQ: CHFC)

Valuation Now: Chemical Financial Corporation (NASDAQ: CHFC)


Chemical Financial Corporation is in the financial services sector and banking industry. The company CEO is David T. Provost. Chemical Financial Corp is a financial services provider. The firm conducts its business of commercial banking through its primary subsidiary, Chemical Bank, which offers banking and fiduciary products.

Previous Intraday Trading Performance:

The CHFC stock showed a previous change of -2.34% with an open at 44.19 and a close of 43.34. It reached an intraday high of 44.44 and a low of 43.20.

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The stock has a market cap of $3.1b with 71.5m shares outstanding, of which the float is 70.3m shares. Trading volume reached 382,658 shares compared to its average volume of 807,515 shares. Based on the current average volume and close price, the trading liquidity is good.

Historical Trading Performance:

Over the last five trading days, Chemical Financial Corporation shares returned 1.10% and in the past 30 trading days it returned -4.62%. Over three months, it changed 6.83%. In one year it has changed -19.85% and within that year its 52-week high was 59.46 and its 52-week low was 34.62. CHFC stock is 25.19% above its 52 Week Low.

Our calculations show a 200 day moving average of 47.91 and a 50 day moving average of 43.85. Currently CHFC stock is trading -9.53% below its 200 day moving average and may not be a good opportunity to buy as it may continue to trend down.

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The last annual fiscal EPS for the company was reported at 3.92 that ended on 31st of December 2018, which according to the previous close, that is a PE of 11.06. Based on 5 analyst estimates, the consensus EPS for the next quarter is 0.99. The TTM EPS is 3.92, which comes to a TTM PE of 11.06. Historically, the PE high was 28.60 and the PE low was 11.06. If the stock reached its PE low, that would represent a price of 43.32, which is a decrease of -0.04%.

The dividend per share is currently 1.36, which is a dividend yield of 3.14%. Also, the payout ratio is 34.69%, therefore the dividend is safe according to our calculations.

Base on our calculations, the intrinsic value per share is 59.99, which means it is possibly undervalued and has a margin of safety of 27.76%

Indicators to Watch:

Based on the latest filings, there is 1.70% of insider ownership and 143.30% of institutional ownership. Short-interest is 0, which is 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio is 0.00.

The current calculated beta is 1.42

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Fundamental Indicators:

Based on last reported financials, the company’s return on equity is 10.31%, return on assets is 1.39%, profit margin is 31.82%, price-to-sales is 4.72 and price-to-book is 1.12.

Company Scores:

All scores are out of six:
 5  :Valuation Score
 4  :Past Performance Score
 6  :Financial Strength Score
 5  :Future Growth Score
 4  :Dividend Score
 4  :Overall Score

John Jones
Worked for several Wall Street firms: Salomon Smith Barney, UBS, and Charles Schwab. Has developed skills and gained extensive experience over the years that is used today to uncover winning penny stocks.Also was an attorney for small businesses in Scottsdale, Arizona. That experience and understanding of law provides a unique perspective and edge in discovering quality companies in various industries.