CHCO Fundamental Analysis - CITY HOLDING CO

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CHCO. CHCO was compared to 392 industry peers in the Banks industry. CHCO has a medium profitability rating, but doesn't score so well on its financial health evaluation. CHCO is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

CHCO had positive earnings in the past year.

CHCO had a positive operating cash flow in the past year.

In the past 5 years CHCO has always been profitable.

Each year in the past 5 years CHCO had a positive operating cash flow.

1.2 Ratios

CHCO's Return On Assets of 1.84% is amongst the best of the industry. CHCO outperforms 95.66% of its industry peers.

With an excellent Return On Equity value of 15.85%, CHCO belongs to the best of the industry, outperforming 94.64% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.84%
ROE	15.85%
ROIC	N/A

ROA(3y)1.78%

ROA(5y)1.67%

ROE(3y)16.7%

ROE(5y)15.11%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 40.33%, CHCO belongs to the top of the industry, outperforming 95.66% of the companies in the same industry.

CHCO's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for CHCO so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	40.33%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.69%

PM growth 5Y0.53%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CHCO does not have a ROIC to compare to the WACC, probably because it is not profitable.

CHCO has less shares outstanding than it did 1 year ago.

The number of shares outstanding for CHCO has been reduced compared to 5 years ago.

The debt/assets ratio for CHCO is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of CHCO is 2.64, which is a good value as it means it would take CHCO, 2.64 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of CHCO (2.64) is comparable to the rest of the industry.

A Debt/Equity ratio of 0.44 indicates that CHCO is not too dependend on debt financing.

The Debt to Equity ratio of CHCO (0.44) is worse than 74.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.44
Debt/FCF	2.64
Altman-Z	N/A

ROIC/WACCN/A

WACC9.97%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.23% over the past year.

CHCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.80% yearly.

CHCO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.61%.

The Revenue has been growing slightly by 5.01% on average over the past years.

EPS 1Y (TTM)7.23%

EPS 3Y11.64%

EPS 5Y7.8%

EPS Q2Q%16.84%

Revenue 1Y (TTM)-16.61%

Revenue growth 3Y9.24%

Revenue growth 5Y5.01%

Sales Q2Q%6.29%

3.2 Future

The Earnings Per Share is expected to grow by 4.16% on average over the next years.

CHCO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.69% yearly.

EPS Next Y12.09%

EPS Next 2Y4.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.72%

Revenue Next 2Y3.69%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.05 indicates a correct valuation of CHCO.

Compared to the rest of the industry, the Price/Earnings ratio of CHCO indicates a slightly more expensive valuation: CHCO is more expensive than 64.80% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.38. CHCO is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 14.61, CHCO is valued correctly.

Based on the Price/Forward Earnings ratio, CHCO is valued a bit more expensive than the industry average as 71.94% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 22.86. CHCO is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	15.05
Fwd PE	14.61

4.2 Price Multiples

CHCO's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	14.06
EV/EBITDA	N/A

4.3 Compensation for Growth

CHCO's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.25

PEG (5Y)1.93

EPS Next 2Y4.16%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CHCO has a Yearly Dividend Yield of 2.50%.

CHCO's Dividend Yield is comparable with the industry average which is at 3.73.

Compared to an average S&P500 Dividend Yield of 2.38, CHCO has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.5%

5.2 History

On average, the dividend of CHCO grows each year by 6.41%, which is quite nice.

CHCO has paid a dividend for at least 10 years, which is a reliable track record.

CHCO has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)6.41%

Div Incr Years13

Div Non Decr Years22

5.3 Sustainability

37.42% of the earnings are spent on dividend by CHCO. This is a low number and sustainable payout ratio.

The dividend of CHCO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP37.42%

EPS Next 2Y4.16%

EPS Next 3YN/A

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CITY HOLDING CO

NASDAQ:CHCO (9/19/2025, 8:00:00 PM)

After market: 125.081 0 (0%)

125.08

-2.18 (-1.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners74.95%

Inst Owner Change-1.52%

Ins Owners1.79%

Ins Owner Change-0.47%

Market Cap1.81B

Analysts50

Price Target135.25 (8.13%)

Short Float %6.65%

Short Ratio8.07

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.5%

Yearly Dividend2.94

Dividend Growth(5Y)6.41%

DP37.42%

Div Incr Years13

Div Non Decr Years22

Ex-Date07-15 2025-07-15 (0.79)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)12.01%

Min EPS beat(2)9.36%

Max EPS beat(2)14.66%

EPS beat(4)3

Avg EPS beat(4)6.6%

Min EPS beat(4)-0.78%

Max EPS beat(4)14.66%

EPS beat(8)6

Avg EPS beat(8)3.62%

EPS beat(12)9

Avg EPS beat(12)3.68%

EPS beat(16)13

Avg EPS beat(16)6.06%

Revenue beat(2)1

Avg Revenue beat(2)0.38%

Min Revenue beat(2)-0.07%

Max Revenue beat(2)0.82%

Revenue beat(4)2

Avg Revenue beat(4)-1.06%

Min Revenue beat(4)-6.2%

Max Revenue beat(4)1.22%

Revenue beat(8)2

Avg Revenue beat(8)-2%

Revenue beat(12)4

Avg Revenue beat(12)-1.24%

Revenue beat(16)7

Avg Revenue beat(16)-0.77%

PT rev (1m)0%

PT rev (3m)8.39%

EPS NQ rev (1m)0%

EPS NQ rev (3m)12.84%

EPS NY rev (1m)9.25%

EPS NY rev (3m)8.19%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)6.23%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.69%

Valuation

		Industry Rank	Sector Rank
PE	15.05
Fwd PE	14.61
P/S	6.03
P/FCF	14.06
P/OCF	13.82
P/B	2.37
P/tB	2.99
EV/EBITDA	N/A

EPS(TTM)8.31

EY6.64%

EPS(NY)8.56

Fwd EY6.84%

FCF(TTM)8.9

FCFY7.11%

OCF(TTM)9.05

OCFY7.24%

SpS20.73

BVpS52.74

TBVpS41.77

PEG (NY)1.25

PEG (5Y)1.93

Profitability

		Industry Rank	Sector Rank
ROA	1.84%
ROE	15.85%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	40.33%
GM	N/A
FCFM	42.91%

ROA(3y)1.78%

ROA(5y)1.67%

ROE(3y)16.7%

ROE(5y)15.11%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.69%

PM growth 5Y0.53%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.44
Debt/FCF	2.64
Debt/EBITDA	N/A
Cap/Depr	53.49%
Cap/Sales	0.75%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	106.41%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC9.97%

ROIC/WACCN/A

Cap/Depr(3y)56.28%

Cap/Depr(5y)64.11%

Cap/Sales(3y)0.93%

Cap/Sales(5y)1.31%

Profit Quality(3y)114.2%

Profit Quality(5y)110.23%

High Growth Momentum

Growth

EPS 1Y (TTM)7.23%

EPS 3Y11.64%

EPS 5Y7.8%

EPS Q2Q%16.84%

EPS Next Y12.09%

EPS Next 2Y4.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-16.61%

Revenue growth 3Y9.24%

Revenue growth 5Y5.01%

Sales Q2Q%6.29%

Revenue Next Year5.72%

Revenue Next 2Y3.69%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-4.52%

FCF growth 3Y9.28%

FCF growth 5Y5.19%

OCF growth 1Y-4.76%

OCF growth 3Y8.84%

OCF growth 5Y4.67%

CITY HOLDING CO (CHCO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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