122.12 USD
-1.62 (-1.31%)
122.12 USD
0 (0%)
Overall CHCO gets a fundamental rating of 4 out of 10. We evaluated CHCO against 383 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 valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CHCO was profitable.
In the past year CHCO had a positive cash flow from operations.
CHCO had positive earnings in each of the past 5 years.
Each year in the past 5 years CHCO had a positive operating cash flow.
1.2 Ratios
CHCO has a Return On Assets of 1.90%. This is amongst the best in the industry. CHCO outperforms 95.09% of its industry peers.
With an excellent Return On Equity value of 15.83%, CHCO belongs to the best of the industry, outperforming 94.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 15.83% | ||
| 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 41.37%, CHCO belongs to the top of the industry, outperforming 95.61% of the companies in the same industry.
In the last couple of years the Profit Margin of CHCO has remained more or less at the same level.
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) | 41.37% | ||
| 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
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
The debt/assets ratio for CHCO is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CHCO is 2.89, which is a good value as it means it would take CHCO, 2.89 years of fcf income to pay off all of its debts.
CHCO's Debt to FCF ratio of 2.89 is on the low side compared to the rest of the industry. CHCO is outperformed by 61.50% 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 74.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.68% over the past year.
Measured over the past 5 years, CHCO shows a small growth in Earnings Per Share. The EPS has been growing by 7.80% on average per year.
Looking at the last year, CHCO shows a very negative growth in Revenue. The Revenue has decreased by -15.82% in the last year.
The Revenue has been growing slightly by 5.01% on average over the past years.
EPS 1Y (TTM)11.68%
EPS 3Y11.64%
EPS 5Y7.8%
EPS Q2Q%19.31%
Revenue 1Y (TTM)-15.82%
Revenue growth 3Y9.24%
Revenue growth 5Y5.01%
Sales Q2Q%6.99%
3.2 Future
CHCO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.24% yearly.
The Revenue is expected to grow by 4.44% on average over the next years.
EPS Next Y16.49%
EPS Next 2Y6.66%
EPS Next 3Y6.24%
EPS Next 5YN/A
Revenue Next Year6.46%
Revenue Next 2Y4.8%
Revenue Next 3Y4.44%
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 stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.04, CHCO is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CHCO indicates a slightly more expensive valuation: CHCO is more expensive than 60.21% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. CHCO is valued slightly cheaper when compared to this.
CHCO is valuated correctly with a Price/Forward Earnings ratio of 13.61.
Based on the Price/Forward Earnings ratio, CHCO is valued a bit more expensive than 70.54% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.92. CHCO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 13.61 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CHCO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CHCO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.85
PEG (5Y)1.8
EPS Next 2Y6.66%
EPS Next 3Y6.24%
5. Dividend
5.1 Amount
CHCO has a Yearly Dividend Yield of 2.81%.
Compared to an average industry Dividend Yield of 2.90, CHCO has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, CHCO pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
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 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
36.59% 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.
DP36.59%
EPS Next 2Y6.66%
EPS Next 3Y6.24%
122.12
-1.62 (-1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.93%
Inst Owner Change0.02%
Ins Owners1.55%
Ins Owner Change-0.77%
Market Cap1.76B
Revenue(TTM)305.68M
Net Income(TTM)126.46M
Analysts50
Price Target131.17 (7.41%)
Short Float %7.15%
Short Ratio10.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
Yearly Dividend2.94
Dividend Growth(5Y)6.41%
DP36.59%
Div Incr Years13
Div Non Decr Years22
Ex-Date
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)0%
PT rev (3m)-3.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.83%
EPS NY rev (1m)0.02%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 13.61 | ||
| P/S | 5.76 | ||
| P/FCF | 13.79 | ||
| P/OCF | 13.46 | ||
| P/B | 2.2 | ||
| P/tB | 2.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.7
EY7.12%
EPS(NY)8.98
Fwd EY7.35%
FCF(TTM)8.86
FCFY7.25%
OCF(TTM)9.08
OCFY7.43%
SpS21.21
BVpS55.44
TBVpS44.45
PEG (NY)0.85
PEG (5Y)1.8
Graham Number104.18
Profitability
| Industry Rank | Sector 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)1.78%
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
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 3Y0.69%
PM growth 5Y0.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| 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
WACC10.05%
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)11.68%
EPS 3Y11.64%
EPS 5Y7.8%
EPS Q2Q%19.31%
EPS Next Y16.49%
EPS Next 2Y6.66%
EPS Next 3Y6.24%
EPS Next 5YN/A
Revenue 1Y (TTM)-15.82%
Revenue growth 3Y9.24%
Revenue growth 5Y5.01%
Sales Q2Q%6.99%
Revenue Next Year6.46%
Revenue Next 2Y4.8%
Revenue Next 3Y4.44%
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-5.58%
FCF growth 3Y9.28%
FCF growth 5Y5.19%
OCF growth 1Y-5.23%
OCF growth 3Y8.84%
OCF growth 5Y4.67%
CITY HOLDING CO / CHCO FAQ
What is the fundamental rating for CHCO stock?
ChartMill assigns a fundamental rating of 4 / 10 to CHCO.
What is the valuation status of CITY HOLDING CO (CHCO) stock?
ChartMill assigns a valuation rating of 3 / 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 16.49% 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%.