CITY HOLDING CO (CHCO) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:CHCO • US1778351056

127.72 USD
-0.12 (-0.09%)
At close: Feb 9, 2026
127.72 USD
0 (0%)
After Hours: 2/9/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CHCO. CHCO was compared to 381 industry peers in the Banks industry. While CHCO is still in line with the averages on profitability rating, there are concerns on its financial health. CHCO is valued expensive and it does not seem to be growing. CHCO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

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.
  • Each year in the past 5 years CHCO has been profitable.
  • CHCO had a positive operating cash flow in 4 of the past 5 years.
CHCO Yearly Net Income VS EBIT VS OCF VS FCFCHCO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • CHCO has a Return On Assets of 1.90%. This is amongst the best in the industry. CHCO outperforms 95.28% of its industry peers.
  • CHCO has a Return On Equity of 15.83%. This is amongst the best in the industry. CHCO outperforms 94.49% of its industry peers.
Industry RankSector Rank
ROA 1.9%
ROE 15.83%
ROIC N/A
ROA(3y)1.85%
ROA(5y)1.75%
ROE(3y)16.2%
ROE(5y)15.78%
ROIC(3y)N/A
ROIC(5y)N/A
CHCO Yearly ROA, ROE, ROICCHCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of CHCO (41.37%) is better than 95.54% of its industry peers.
  • In the last couple of years the Profit Margin of CHCO has grown nicely.
  • CHCO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 41.37%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.88%
PM growth 5Y1.95%
GM growth 3YN/A
GM growth 5YN/A
CHCO Yearly Profit, Operating, Gross MarginsCHCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CHCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CHCO has less shares outstanding
  • The number of shares outstanding for CHCO has been reduced compared to 5 years ago.
  • CHCO has a worse debt/assets ratio than last year.
CHCO Yearly Shares OutstandingCHCO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CHCO Yearly Total Debt VS Total AssetsCHCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • CHCO has a debt to FCF ratio of 2.89. This is a good value and a sign of high solvency as CHCO would need 2.89 years to pay back of all of its debts.
  • CHCO has a worse Debt to FCF ratio (2.89) than 61.42% of its industry peers.
  • CHCO has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
  • CHCO has a worse Debt to Equity ratio (0.46) than 74.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 2.89
Altman-Z N/A
ROIC/WACCN/A
WACC10.04%
CHCO Yearly LT Debt VS Equity VS FCFCHCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CHCO Yearly Current Assets VS Current LiabilitesCHCO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.31% over the past year.
  • CHCO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.82% yearly.
  • The Revenue for CHCO has decreased by -14.15% in the past year. This is quite bad
  • CHCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.77% yearly.
EPS 1Y (TTM)13.31%
EPS 3Y9.55%
EPS 5Y13.82%
EPS Q2Q%12.37%
Revenue 1Y (TTM)-14.15%
Revenue growth 3Y7.61%
Revenue growth 5Y5.77%
Sales Q2Q%11.84%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.84% on average over the next years.
  • The Revenue is expected to grow by 2.94% on average over the next years.
EPS Next Y2.37%
EPS Next 2Y3.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.7%
Revenue Next 2Y2.94%
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.
CHCO Yearly Revenue VS EstimatesCHCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CHCO Yearly EPS VS EstimatesCHCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • CHCO is valuated correctly with a Price/Earnings ratio of 14.29.
  • CHCO's Price/Earnings ratio is a bit more expensive when compared to the industry. CHCO is more expensive than 60.63% of the companies in the same industry.
  • CHCO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
  • CHCO is valuated correctly with a Price/Forward Earnings ratio of 13.96.
  • 68.50% of the companies in the same industry are cheaper than CHCO, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 27.86. CHCO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.29
Fwd PE 13.96
CHCO Price Earnings VS Forward Price EarningsCHCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CHCO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.42
EV/EBITDA N/A
CHCO Per share dataCHCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CHCO does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.03
PEG (5Y)1.03
EPS Next 2Y3.84%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.73%, CHCO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, CHCO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, CHCO pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.73%

5.2 History

  • The dividend of CHCO is nicely growing with an annual growth rate of 6.41%!
  • CHCO has paid a dividend for at least 10 years, which is a reliable track record.
  • CHCO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.41%
Div Incr Years13
Div Non Decr Years22
CHCO Yearly Dividends per shareCHCO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 36.59% of the earnings are spent on dividend by CHCO. This is a low number and sustainable payout ratio.
  • CHCO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.59%
EPS Next 2Y3.84%
EPS Next 3YN/A
CHCO Yearly Income VS Free CF VS DividendCHCO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CHCO Dividend Payout.CHCO Dividend Payout, showing the Payout Ratio.CHCO Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CITY HOLDING CO

NASDAQ:CHCO (2/9/2026, 8:00:01 PM)

After market: 127.72 0 (0%)

127.72

-0.12 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners72.93%
Inst Owner Change-1.37%
Ins Owners1.55%
Ins Owner Change0.52%
Market Cap1.84B
Revenue(TTM)314.17M
Net Income(TTM)126.46M
Analysts50
Price Target133.37 (4.42%)
Short Float %6.57%
Short Ratio9.81
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
Yearly Dividend2.94
Dividend Growth(5Y)6.41%
DP36.59%
Div Incr Years13
Div Non Decr Years22
Ex-Date01-15
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.15%
Min EPS beat(2)9.64%
Max EPS beat(2)14.66%
EPS beat(4)3
Avg EPS beat(4)8.22%
Min EPS beat(4)-0.78%
Max EPS beat(4)14.66%
EPS beat(8)6
Avg EPS beat(8)4.44%
EPS beat(12)9
Avg EPS beat(12)3.74%
EPS beat(16)13
Avg EPS beat(16)5.66%
Revenue beat(2)1
Avg Revenue beat(2)0.38%
Min Revenue beat(2)-0.06%
Max Revenue beat(2)0.82%
Revenue beat(4)1
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)0.82%
Revenue beat(8)2
Avg Revenue beat(8)-1.77%
Revenue beat(12)3
Avg Revenue beat(12)-1.53%
Revenue beat(16)6
Avg Revenue beat(16)-0.87%
PT rev (1m)1.67%
PT rev (3m)0.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.15%
EPS NY rev (1m)1.96%
EPS NY rev (3m)6.79%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)-0.46%
Revenue NY rev (3m)2.11%
Valuation
Industry RankSector Rank
PE 14.29
Fwd PE 13.96
P/S 6.02
P/FCF 14.42
P/OCF 14.07
P/B 2.3
P/tB 2.87
EV/EBITDA N/A
EPS(TTM)8.94
EY7%
EPS(NY)9.15
Fwd EY7.17%
FCF(TTM)8.86
FCFY6.94%
OCF(TTM)9.08
OCFY7.11%
SpS21.21
BVpS55.44
TBVpS44.45
PEG (NY)6.03
PEG (5Y)1.03
Graham Number105.61
Profitability
Industry RankSector Rank
ROA 1.9%
ROE 15.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.37%
GM N/A
FCFM 41.76%
ROA(3y)1.85%
ROA(5y)1.75%
ROE(3y)16.2%
ROE(5y)15.78%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.88%
PM growth 5Y1.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 2.89
Debt/EBITDA N/A
Cap/Depr 74.58%
Cap/Sales 1.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.31%
EPS 3Y9.55%
EPS 5Y13.82%
EPS Q2Q%12.37%
EPS Next Y2.37%
EPS Next 2Y3.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.15%
Revenue growth 3Y7.61%
Revenue growth 5Y5.77%
Sales Q2Q%11.84%
Revenue Next Year2.7%
Revenue Next 2Y2.94%
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-1.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.71%
OCF growth 3YN/A
OCF growth 5YN/A

CITY HOLDING CO / CHCO FAQ

What is the fundamental rating for CHCO stock?

ChartMill assigns a fundamental rating of 3 / 10 to CHCO.


What is the valuation status of CITY HOLDING CO (CHCO) stock?

ChartMill assigns a valuation rating of 2 / 10 to CITY HOLDING CO (CHCO). This can be considered as Overvalued.


How profitable is CITY HOLDING CO (CHCO) stock?

CITY HOLDING CO (CHCO) has a profitability rating of 5 / 10.


What is the earnings growth outlook for CITY HOLDING CO?

The Earnings per Share (EPS) of CITY HOLDING CO (CHCO) is expected to grow by 2.37% in the next year.


How sustainable is the dividend of CITY HOLDING CO (CHCO) stock?

The dividend rating of CITY HOLDING CO (CHCO) is 7 / 10 and the dividend payout ratio is 36.59%.