125.72 USD
-0.37 (-0.29%)
125.72 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CHCO. CHCO was compared to 385 industry peers in the Banks industry. There are concerns on the financial health of CHCO while its profitability can be described as average. While showing a medium growth rate, CHCO is valued expensive at the moment. Finally CHCO also has an excellent dividend rating.
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.
CHCO had positive earnings in each of the past 5 years.
CHCO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CHCO (1.90%) is better than 95.32% of its industry peers.
CHCO has a Return On Equity of 15.83%. This is amongst the best in the industry. CHCO outperforms 94.55% of its industry peers.
| 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
The Profit Margin of CHCO (41.37%) is better than 95.58% of its industry peers.
In the last couple of years the Profit Margin of CHCO has remained more or less at the same level.
CHCO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
CHCO has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CHCO has a worse debt to assets ratio.
2.2 Solvency
CHCO has a debt to FCF ratio of 2.89. 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.
With a Debt to FCF ratio value of 2.89, CHCO is not doing good in the industry: 61.04% of the companies in the same industry are doing better.
CHCO has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CHCO (0.46) is worse than 75.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CHCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.68%, which is quite good.
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.
The Revenue for CHCO has decreased by -15.82% in the past year. This is quite bad
Measured over the past years, CHCO shows a small growth in Revenue. The Revenue has been growing by 5.01% on average per year.
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
Based on estimates for the next years, CHCO will show a small growth in Earnings Per Share. The EPS will grow by 6.46% on average per year.
CHCO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.44% yearly.
EPS Next Y16.47%
EPS Next 2Y6.73%
EPS Next 3Y6.46%
EPS Next 5YN/A
Revenue Next Year6.46%
Revenue Next 2Y4.8%
Revenue Next 3Y4.44%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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 14.45, CHCO is valued correctly.
61.56% of the companies in the same industry are cheaper than CHCO, based on the Price/Earnings ratio.
CHCO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.55.
With a Price/Forward Earnings ratio of 13.99, CHCO is valued correctly.
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 71.69% of the companies listed in the same industry.
CHCO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.45 | ||
| Fwd PE | 13.99 |
4.2 Price Multiples
CHCO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.19 | ||
| 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)0.88
PEG (5Y)1.85
EPS Next 2Y6.73%
EPS Next 3Y6.46%
5. Dividend
5.1 Amount
CHCO has a Yearly Dividend Yield of 2.78%.
CHCO's Dividend Yield is comparable with the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, CHCO pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
5.2 History
The dividend of CHCO is nicely growing with an annual growth rate of 6.41%!
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
CHCO pays out 36.59% of its income as dividend. This is a sustainable payout ratio.
The dividend of CHCO is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP36.59%
EPS Next 2Y6.73%
EPS Next 3Y6.46%
125.72
-0.37 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.06%
Inst Owner Change-1.85%
Ins Owners1.55%
Ins Owner Change-0.76%
Market Cap1.81B
Revenue(TTM)305.68M
Net Income(TTM)126.46M
Analysts48.89
Price Target131.17 (4.34%)
Short Float %7.05%
Short Ratio11.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
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)-0.69%
PT rev (3m)-3.02%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)4.83%
EPS NY rev (1m)0%
EPS NY rev (3m)3.91%
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 | 14.45 | ||
| Fwd PE | 13.99 | ||
| P/S | 5.93 | ||
| P/FCF | 14.19 | ||
| P/OCF | 13.85 | ||
| P/B | 2.27 | ||
| P/tB | 2.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.7
EY6.92%
EPS(NY)8.99
Fwd EY7.15%
FCF(TTM)8.86
FCFY7.05%
OCF(TTM)9.08
OCFY7.22%
SpS21.21
BVpS55.44
TBVpS44.45
PEG (NY)0.88
PEG (5Y)1.85
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
WACC10.03%
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 Y16.47%
EPS Next 2Y6.73%
EPS Next 3Y6.46%
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 for 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.
Can you provide the PE and PB ratios for CHCO stock?
The Price/Earnings (PE) ratio for CITY HOLDING CO (CHCO) is 14.45 and the Price/Book (PB) ratio is 2.27.
What is the expected EPS growth for CITY HOLDING CO (CHCO) stock?
The Earnings per Share (EPS) of CITY HOLDING CO (CHCO) is expected to grow by 16.47% in the next year.