CHCO Fundamental Analysis - CITY HOLDING CO

Fundamental Rating

Taking everything into account, CHCO scores 4 out of 10 in our fundamental rating. CHCO was compared to 395 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 quite expensive at the moment. It does show a decent growth rate.

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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

With an excellent Return On Assets value of 2.21%, CHCO belongs to the best of the industry, outperforming 96.46% of the companies in the same industry.

With an excellent Return On Equity value of 19.32%, CHCO belongs to the best of the industry, outperforming 96.96% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.21%
ROE	19.32%
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 39.70%, CHCO belongs to the top of the industry, outperforming 95.19% 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)	39.7%
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.

Compared to 1 year ago, CHCO has less shares outstanding

Compared to 5 years ago, CHCO has less shares outstanding

Compared to 1 year ago, CHCO has a worse debt to assets ratio.

2.2 Solvency

CHCO has a debt to FCF ratio of 2.70. This is a good value and a sign of high solvency as CHCO would need 2.70 years to pay back of all of its debts.

With a Debt to FCF ratio value of 2.70, CHCO is not doing good in the industry: 61.27% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.46 indicates that CHCO is not too dependend on debt financing.

CHCO has a worse Debt to Equity ratio (0.46) than 77.47% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.46
Debt/FCF	2.7
Altman-Z	N/A

ROIC/WACCN/A

WACC10.35%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.38% 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 strong growth in Revenue. In the last year, the Revenue has grown by 26.90%.

CHCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.01% yearly.

EPS 1Y (TTM)0.38%

EPS 3Y11.64%

EPS 5Y7.8%

EPS Q2Q%4.57%

Revenue 1Y (TTM)26.9%

Revenue growth 3Y9.24%

Revenue growth 5Y5.01%

Sales Q2Q%3.01%

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 1.23% on average per year.

Based on estimates for the next years, CHCO will show a small growth in Revenue. The Revenue will grow by 2.30% on average per year.

EPS Next Y2.48%

EPS Next 2Y1.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.83%

Revenue Next 2Y2.3%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.34, which 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 69.62% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.15, CHCO is valued a bit cheaper.

A Price/Forward Earnings ratio of 15.14 indicates a correct valuation of CHCO.

CHCO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CHCO is more expensive than 74.18% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of CHCO to the average of the S&P500 Index (21.60), we can say CHCO is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	15.34
Fwd PE	15.14

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHCO is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	13.75
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)6.2

PEG (5Y)1.97

EPS Next 2Y1.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CHCO has a Yearly Dividend Yield of 2.57%.

Compared to an average industry Dividend Yield of 3.47, CHCO is paying slightly less dividend.

CHCO's Dividend Yield is comparable with the S&P500 average which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	2.57%

5.2 History

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

CHCO has been paying a dividend for at least 10 years, so it has 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

5.3 Sustainability

30.44% 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.

DP30.44%

EPS Next 2Y1.23%

EPS Next 3YN/A

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CITY HOLDING CO

NASDAQ:CHCO (6/30/2025, 8:00:00 PM)

After market: 122.42 0 (0%)

122.42

-0.83 (-0.67%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/bmo

Earnings (Next)07-21 2025-07-21/bmo

Inst Owners73.84%

Inst Owner Change0.69%

Ins Owners1.81%

Ins Owner Change4.14%

Market Cap1.77B

Analysts50.91

Price Target124.24 (1.49%)

Short Float %7.24%

Short Ratio15.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.57%

Yearly Dividend2.94

Dividend Growth(5Y)6.41%

DP30.44%

Div Incr Years13

Div Non Decr Years22

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

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)4.29%

Min EPS beat(2)-0.78%

Max EPS beat(2)9.36%

EPS beat(4)3

Avg EPS beat(4)3.06%

Min EPS beat(4)-0.78%

Max EPS beat(4)9.36%

EPS beat(8)6

Avg EPS beat(8)3.29%

EPS beat(12)9

Avg EPS beat(12)3.45%

EPS beat(16)13

Avg EPS beat(16)6.33%

Revenue beat(2)0

Avg Revenue beat(2)-3.13%

Min Revenue beat(2)-6.2%

Max Revenue beat(2)-0.07%

Revenue beat(4)1

Avg Revenue beat(4)-1.67%

Min Revenue beat(4)-6.2%

Max Revenue beat(4)1.22%

Revenue beat(8)2

Avg Revenue beat(8)-1.89%

Revenue beat(12)4

Avg Revenue beat(12)-1.18%

Revenue beat(16)7

Avg Revenue beat(16)-0.77%

PT rev (1m)-0.44%

PT rev (3m)-2.17%

EPS NQ rev (1m)-1.08%

EPS NQ rev (3m)4.36%

EPS NY rev (1m)-1.09%

EPS NY rev (3m)4.51%

Revenue NQ rev (1m)-0.23%

Revenue NQ rev (3m)2.08%

Revenue NY rev (1m)-0.12%

Revenue NY rev (3m)1.93%

Valuation

		Industry Rank	Sector Rank
PE	15.34
Fwd PE	15.14
P/S	4.82
P/FCF	13.75
P/OCF	13.51
P/B	2.34
P/tB	2.97
EV/EBITDA	N/A

EPS(TTM)7.98

EY6.52%

EPS(NY)8.08

Fwd EY6.6%

FCF(TTM)8.9

FCFY7.27%

OCF(TTM)9.06

OCFY7.4%

SpS25.42

BVpS52.23

TBVpS41.22

PEG (NY)6.2

PEG (5Y)1.97

Profitability

		Industry Rank	Sector Rank
ROA	2.21%
ROE	19.32%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	39.7%
GM	N/A
FCFM	35.01%

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 Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.46
Debt/FCF	2.7
Debt/EBITDA	N/A
Cap/Depr	56.36%
Cap/Sales	0.64%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	88.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC10.35%

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)0.38%

EPS 3Y11.64%

EPS 5Y7.8%

EPS Q2Q%4.57%

EPS Next Y2.48%

EPS Next 2Y1.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)26.9%

Revenue growth 3Y9.24%

Revenue growth 5Y5.01%

Sales Q2Q%3.01%

Revenue Next Year2.83%

Revenue Next 2Y2.3%

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 1Y3.19%

FCF growth 3Y9.28%

FCF growth 5Y5.19%

OCF growth 1Y3.18%

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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