CITY HOLDING CO (CHCO) Fundamental Analysis & Valuation

NASDAQ:CHCO • US1778351056

Current stock price

119.45 USD
-1.91 (-1.57%)
At close:
119.45 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.
  • Each year in the past 5 years CHCO has 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's Return On Assets of 1.92% is amongst the best of the industry. CHCO outperforms 94.74% of its industry peers.
  • With an excellent Return On Equity value of 15.97%, CHCO belongs to the best of the industry, outperforming 94.21% of the companies in the same industry.
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 96.32% of its industry peers.
  • In the last couple of years the Profit Margin of CHCO has grown nicely.
  • 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) 41.17%
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.
  • Compared to 1 year ago, CHCO has less shares outstanding
  • 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 2.86. This is a good value and a sign of high solvency as CHCO would need 2.86 years to pay back of all of its debts.
  • CHCO has a Debt to FCF ratio (2.86) which is comparable to the rest of the industry.
  • CHCO has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
  • CHCO has a Debt to Equity ratio of 0.45. This is in the lower half of the industry: CHCO underperforms 74.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC10.18%
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

  • The Earnings Per Share has grown by an nice 13.31% over the past year.
  • The Earnings Per Share has been growing by 13.82% on average over the past years. This is quite good.
  • The Revenue for CHCO has decreased by -14.15% in the past year. This is quite bad
  • The Revenue has been growing slightly by 5.77% on average over the past years.
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 3.34% on average per year.
  • 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

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

  • CHCO is valuated correctly with a Price/Earnings ratio of 13.36.
  • Based on the Price/Earnings ratio, CHCO is valued a bit more expensive than the industry average as 65.26% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 24.88. CHCO is valued slightly cheaper when compared to this.
  • CHCO is valuated correctly with a Price/Forward Earnings ratio of 13.10.
  • Based on the Price/Forward Earnings ratio, CHCO is valued a bit more expensive than 72.11% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. CHCO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.36
Fwd PE 13.1
CHCO Price Earnings VS Forward Price EarningsCHCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • CHCO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.34
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 an expensive valuation of the company.
PEG (NY)6.76
PEG (5Y)0.97
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 2.87%.
  • Compared to an average industry Dividend Yield of 2.69, CHCO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, CHCO pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.87%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 (3/27/2026, 8:06:41 PM)

After market: 119.45 0 (0%)

119.45

-1.91 (-1.57%)

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 Cap1.71B
Revenue(TTM)314.17M
Net Income(TTM)129.33M
Analysts50
Price Target133.62 (11.86%)
Short Float %7.1%
Short Ratio10.16
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
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)1.57%
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 13.36
Fwd PE 13.1
P/S 5.46
P/FCF 13.34
P/OCF 13.05
P/B 2.12
P/tB 2.63
EV/EBITDA N/A
EPS(TTM)8.94
EY7.48%
EPS(NY)9.12
Fwd EY7.63%
FCF(TTM)8.95
FCFY7.49%
OCF(TTM)9.15
OCFY7.66%
SpS21.89
BVpS56.42
TBVpS45.42
PEG (NY)6.76
PEG (5Y)0.97
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
WACC10.18%
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%.