CITY HOLDING CO (CHCO) Fundamental Analysis & Valuation

NASDAQ:CHCO • US1778351056

Current stock price

125.775 USD
-0.87 (-0.69%)
Last:

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

  • In the past year CHCO was profitable.
  • In the past year CHCO had a positive cash flow from operations.
  • In the past 5 years CHCO has always been profitable.
  • Each year in the past 5 years CHCO had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 1.92%, CHCO belongs to the top of the industry, outperforming 95.48% of the companies in the same industry.
  • CHCO has a Return On Equity of 15.97%. This is amongst the best in the industry. CHCO outperforms 94.41% 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 96.28% 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
  • CHCO has less shares outstanding than it did 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

  • 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.
  • The Debt to FCF ratio of CHCO (2.86) is worse than 60.11% of 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.
  • With a Debt to Equity ratio value of 0.45, CHCO is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC10.02%
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.
  • CHCO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.82% yearly.
  • CHCO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.15%.
  • 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

  • CHCO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.45% yearly.
  • CHCO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.05% yearly.
EPS Next Y2.16%
EPS Next 2Y3.45%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • With a Price/Earnings ratio of 14.07, CHCO is valued correctly.
  • 66.76% of the companies in the same industry are cheaper than CHCO, based on the Price/Earnings ratio.
  • CHCO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 13.77 indicates a correct valuation of CHCO.
  • 74.73% of the companies in the same industry are cheaper than CHCO, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.62, CHCO is valued a bit cheaper.
Industry RankSector Rank
PE 14.07
Fwd PE 13.77
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.07
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)6.52
PEG (5Y)1.02
EPS Next 2Y3.45%
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

  • With a Yearly Dividend Yield of 2.77%, CHCO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, CHCO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, CHCO pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.77%

5.2 History

  • On average, the dividend of CHCO grows each year by 7.32%, 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)7.32%
Div Incr Years14
Div Non Decr Years23
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

  • CHCO pays out 36.57% of its income as dividend. This is a sustainable payout ratio.
  • CHCO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.57%
EPS Next 2Y3.45%
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 (4/24/2026, 10:19:09 AM)

125.775

-0.87 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-28
Inst Owners72.01%
Inst Owner Change-0.46%
Ins Owners1.72%
Ins Owner Change3.14%
Market Cap1.81B
Revenue(TTM)314.17M
Net Income(TTM)129.33M
Analysts50
Price Target133.62 (6.24%)
Short Float %7.25%
Short Ratio8.11
Dividend
Industry RankSector Rank
Dividend Yield 2.77%
Yearly Dividend3.26
Dividend Growth(5Y)7.32%
DP36.57%
Div Incr Years14
Div Non Decr Years23
Ex-Date04-15
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%
PT rev (3m)1.87%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.87%
EPS NY rev (1m)0.18%
EPS NY rev (3m)1.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 14.07
Fwd PE 13.77
P/S 5.75
P/FCF 14.07
P/OCF 13.76
P/B 2.23
P/tB 2.77
EV/EBITDA N/A
EPS(TTM)8.94
EY7.11%
EPS(NY)9.13
Fwd EY7.26%
FCF(TTM)8.94
FCFY7.11%
OCF(TTM)9.14
OCFY7.27%
SpS21.86
BVpS56.35
TBVpS45.36
PEG (NY)6.52
PEG (5Y)1.02
Graham Number106.46 (-15.36%)
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
WACC10.02%
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 Y2.16%
EPS Next 2Y3.45%
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.


Can you provide the profitability details for CITY HOLDING CO?

CITY HOLDING CO (CHCO) has a profitability rating of 5 / 10.


What are the PE and PB ratios of CITY HOLDING CO (CHCO) stock?

The Price/Earnings (PE) ratio for CITY HOLDING CO (CHCO) is 14.07 and the Price/Book (PB) ratio is 2.23.


How financially healthy is CITY HOLDING CO?

The financial health rating of CITY HOLDING CO (CHCO) is 2 / 10.