CITY HOLDING CO (CHCO) Stock Fundamental Analysis

NASDAQ:CHCO • US1778351056

122.83 USD
+1.54 (+1.27%)
At close: Feb 25, 2026
122.83 USD
0 (0%)
After Hours: 2/25/2026, 4:10:09 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CHCO gets a fundamental rating of 3 out of 10. We evaluated CHCO against 379 industry peers in the Banks industry. There are concerns on the financial health of CHCO while its profitability can be described as average. CHCO does not seem to be growing, but still is valued expensively. Finally 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.
  • In the past year CHCO had a positive cash flow from operations.
  • Each year in the past 5 years CHCO has been profitable.
  • Of the past 5 years CHCO 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 1.90%, CHCO belongs to the top of the industry, outperforming 95.25% of the companies in the same industry.
  • CHCO has a Return On Equity of 15.83%. This is amongst the best in the industry. CHCO outperforms 94.46% 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

  • Looking at the Profit Margin, with a value of 41.37%, CHCO belongs to the top of the industry, outperforming 95.51% of the companies in the same industry.
  • CHCO's Profit Margin has improved in the last couple of years.
  • 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

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2

2. Health

2.1 Basic Checks

  • CHCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CHCO has been reduced compared to 1 year ago.
  • 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 Debt to FCF ratio of 2.89. This is in the lower half of the industry: CHCO underperforms 61.21% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.46, CHCO is doing worse than 74.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 2.89
Altman-Z N/A
ROIC/WACCN/A
WACC9.94%
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.
  • Looking at the last year, CHCO shows a very negative growth in Revenue. The Revenue has decreased by -14.15% in the last year.
  • Measured over the past years, CHCO shows a small growth in Revenue. The Revenue has been growing by 5.77% on average per year.
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

  • Based on estimates for the next years, CHCO will show a small growth in Earnings Per Share. The EPS will grow by 3.84% on average per year.
  • CHCO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.94% yearly.
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

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

  • A Price/Earnings ratio of 13.74 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 60.95% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, CHCO is valued a bit cheaper.
  • CHCO is valuated correctly with a Price/Forward Earnings ratio of 13.42.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CHCO indicates a slightly more expensive valuation: CHCO is more expensive than 67.81% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, CHCO is valued rather cheaply.
Industry RankSector Rank
PE 13.74
Fwd PE 13.42
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 13.87
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)5.8
PEG (5Y)0.99
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

  • CHCO has a Yearly Dividend Yield of 2.76%. Purely for dividend investing, there may be better candidates out there.
  • CHCO's Dividend Yield is comparable with the industry average which is at 2.74.
  • CHCO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.76%

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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

CITY HOLDING CO

NASDAQ:CHCO (2/25/2026, 4:10:09 PM)

After market: 122.83 0 (0%)

122.83

+1.54 (+1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners72.93%
Inst Owner Change-2.08%
Ins Owners1.55%
Ins Owner Change0.52%
Market Cap1.77B
Revenue(TTM)314.17M
Net Income(TTM)126.46M
Analysts48.89
Price Target133.37 (8.58%)
Short Float %6.84%
Short Ratio10.18
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
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)1.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.46%
Valuation
Industry RankSector Rank
PE 13.74
Fwd PE 13.42
P/S 5.79
P/FCF 13.87
P/OCF 13.53
P/B 2.22
P/tB 2.76
EV/EBITDA N/A
EPS(TTM)8.94
EY7.28%
EPS(NY)9.15
Fwd EY7.45%
FCF(TTM)8.86
FCFY7.21%
OCF(TTM)9.08
OCFY7.39%
SpS21.21
BVpS55.44
TBVpS44.45
PEG (NY)5.8
PEG (5Y)0.99
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
WACC9.94%
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%.