CITY HOLDING CO (CHCO) Fundamental Analysis & Valuation

NASDAQ:CHCO • US1778351056

Current stock price

118.02 USD
+1.4 (+1.2%)
At close:
118.02 USD
0 (0%)
After Hours:

This CHCO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CHCO Profitability Analysis

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.
  • CHCO had a positive operating cash flow in each 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 better Return On Assets (1.92%) than 95.28% of its industry peers.
  • The Return On Equity of CHCO (15.97%) is better than 94.23% of its industry peers.
Industry RankSector Rank
ROA 1.92%
ROE 15.97%
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

  • CHCO has a better Profit Margin (41.17%) than 96.06% of its industry peers.
  • CHCO's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CHCO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 41.17%
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. CHCO Health Analysis

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.
  • Compared to 5 years ago, CHCO has less shares outstanding
  • The debt/assets ratio for CHCO is higher compared to a year ago.
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

  • The Debt to FCF ratio of CHCO is 2.86, which is a good value as it means it would take CHCO, 2.86 years of fcf income to pay off all of its debts.
  • CHCO has a Debt to FCF ratio (2.86) which is in line with its industry peers.
  • CHCO has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CHCO (0.45) is worse than 74.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC10.05%
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. CHCO Growth Analysis

3.1 Past

  • CHCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.31%, which is quite good.
  • 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

  • The Earnings Per Share is expected to grow by 3.34% on average over the next years.
  • CHCO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.05% yearly.
EPS Next Y1.98%
EPS Next 2Y3.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.98%
Revenue Next 2Y3.05%
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.
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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2

4. CHCO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.20, 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 63.78% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.73. CHCO is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 12.95 indicates a correct valuation of CHCO.
  • 71.39% of the companies in the same industry are cheaper than CHCO, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CHCO to the average of the S&P500 Index (23.72), we can say CHCO is valued slightly cheaper.
Industry RankSector Rank
PE 13.2
Fwd PE 12.95
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 13.19
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)6.68
PEG (5Y)0.96
EPS Next 2Y3.34%
EPS Next 3YN/A

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

7

5. CHCO Dividend Analysis

5.1 Amount

  • CHCO has a Yearly Dividend Yield of 2.95%.
  • CHCO's Dividend Yield is comparable with the industry average which is at 2.90.
  • CHCO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

  • On average, the dividend of CHCO grows each year by 7.32%, 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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.32%
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

  • 36.57% 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.
DP36.57%
EPS Next 2Y3.34%
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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CHCO Fundamentals: All Metrics, Ratios and Statistics

CITY HOLDING CO

NASDAQ:CHCO (3/19/2026, 6:16:36 PM)

After market: 118.02 0 (0%)

118.02

+1.4 (+1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners71.98%
Inst Owner Change-1.97%
Ins Owners1.69%
Ins Owner Change3.23%
Market Cap1.69B
Revenue(TTM)314.17M
Net Income(TTM)129.33M
Analysts50
Price Target133.62 (13.22%)
Short Float %7.1%
Short Ratio10.16
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend3.26
Dividend Growth(5Y)7.32%
DP36.57%
Div Incr Years13
Div Non Decr Years22
Ex-Date01-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.07%
Min EPS beat(2)-5.51%
Max EPS beat(2)9.64%
EPS beat(4)3
Avg EPS beat(4)7.04%
Min EPS beat(4)-5.51%
Max EPS beat(4)14.66%
EPS beat(8)6
Avg EPS beat(8)4.37%
EPS beat(12)8
Avg EPS beat(12)2.66%
EPS beat(16)12
Avg EPS beat(16)4.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.73%
Min Revenue beat(2)-3.39%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)-0.68%
Min Revenue beat(4)-3.39%
Max Revenue beat(4)0.82%
Revenue beat(8)2
Avg Revenue beat(8)-1.24%
Revenue beat(12)3
Avg Revenue beat(12)-1.8%
Revenue beat(16)5
Avg Revenue beat(16)-1.14%
PT rev (1m)0.19%
PT rev (3m)1.87%
EPS NQ rev (1m)0.47%
EPS NQ rev (3m)0.75%
EPS NY rev (1m)-0.38%
EPS NY rev (3m)1.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)-0.19%
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 12.95
P/S 5.39
P/FCF 13.19
P/OCF 12.89
P/B 2.09
P/tB 2.6
EV/EBITDA N/A
EPS(TTM)8.94
EY7.57%
EPS(NY)9.12
Fwd EY7.72%
FCF(TTM)8.95
FCFY7.58%
OCF(TTM)9.15
OCFY7.76%
SpS21.89
BVpS56.42
TBVpS45.42
PEG (NY)6.68
PEG (5Y)0.96
Graham Number106.54
Profitability
Industry RankSector Rank
ROA 1.92%
ROE 15.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.17%
GM N/A
FCFM 40.89%
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 0.45
Debt/FCF 2.86
Debt/EBITDA N/A
Cap/Depr 68.19%
Cap/Sales 0.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.05%
ROIC/WACCN/A
Cap/Depr(3y)65.8%
Cap/Depr(5y)58.78%
Cap/Sales(3y)0.96%
Cap/Sales(5y)1.03%
Profit Quality(3y)109.82%
Profit Quality(5y)111.09%
High Growth Momentum
Growth
EPS 1Y (TTM)13.31%
EPS 3Y9.55%
EPS 5Y13.82%
EPS Q2Q%12.37%
EPS Next Y1.98%
EPS Next 2Y3.34%
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 Year2.98%
Revenue Next 2Y3.05%
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-0.57%
FCF growth 3Y4.15%
FCF growth 5Y8.79%
OCF growth 1Y-0.4%
OCF growth 3Y4.3%
OCF growth 5Y7.91%

CITY HOLDING CO / CHCO Fundamental Analysis 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 1.98% 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 36.57%.