CHCO Fundamental Analysis - CITY HOLDING CO

Fundamental Rating

Overall CHCO gets a fundamental rating of 3 out of 10. We evaluated CHCO against 392 industry peers in the Banks industry. While CHCO is still in line with the averages on profitability rating, there are concerns on its financial health. CHCO does not seem to be growing, but still is valued expensively.

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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.

CHCO had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

CHCO has a Return On Assets of 2.21%. This is amongst the best in the industry. CHCO outperforms 96.43% of its industry peers.

Looking at the Return On Equity, with a value of 19.32%, CHCO belongs to the top of the industry, outperforming 97.19% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.21%
ROE	19.32%
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

CHCO has a better Profit Margin (39.70%) than 95.15% of its industry peers.

CHCO's Profit Margin has been stable in the last couple of years.

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)	39.7%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CHCO does not have a ROIC to compare to the WACC, probably because it is not profitable.

CHCO has less shares outstanding than it did 1 year ago.

CHCO has less shares outstanding than it did 5 years ago.

The debt/assets ratio for CHCO is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of CHCO is 2.70, which is a good value as it means it would take CHCO, 2.70 years of fcf income to pay off all of its debts.

CHCO has a Debt to FCF ratio of 2.70. This is in the lower half of the industry: CHCO underperforms 60.97% 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 77.30% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.46
Debt/FCF	2.7
Altman-Z	N/A

ROIC/WACCN/A

WACC10.1%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CHCO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.23%.

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.

CHCO shows a small growth in Revenue. In the last year, the Revenue has grown by 1.28%.

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)7.23%

EPS 3Y11.64%

EPS 5Y7.8%

EPS Q2Q%16.84%

Revenue 1Y (TTM)1.28%

Revenue growth 3Y9.24%

Revenue growth 5Y5.01%

Sales Q2Q%6.29%

3.2 Future

CHCO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.23% yearly.

The Revenue is expected to grow by 3.69% on average over the next years.

EPS Next Y2.6%

EPS Next 2Y1.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.72%

Revenue Next 2Y3.69%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.51, which indicates a correct valuation of CHCO.

Based on the Price/Earnings ratio, CHCO is valued a bit more expensive than 69.13% of the companies in the same industry.

CHCO is valuated rather cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.

CHCO is valuated correctly with a Price/Forward Earnings ratio of 14.91.

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 74.49% of the companies listed in the same industry.

CHCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.

		Industry Rank	Sector Rank
PE	14.51
Fwd PE	14.91

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	13.54
EV/EBITDA	N/A

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)5.59

PEG (5Y)1.86

EPS Next 2Y1.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CHCO has a Yearly Dividend Yield of 2.59%.

Compared to an average industry Dividend Yield of 3.50, CHCO has a dividend in line with its industry peers.

CHCO's Dividend Yield is comparable with the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	2.59%

5.2 History

On average, the dividend of CHCO grows each year by 6.41%, 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)6.41%

Div Incr Years13

Div Non Decr Years22

5.3 Sustainability

30.44% of the earnings are spent on dividend by CHCO. This is a low number and sustainable payout ratio.

CHCO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP30.44%

EPS Next 2Y1.23%

EPS Next 3YN/A

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CITY HOLDING CO

NASDAQ:CHCO (8/4/2025, 9:43:08 AM)

120.55

-0.21 (-0.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners73.84%

Inst Owner Change-0.17%

Ins Owners1.81%

Ins Owner Change3.68%

Market Cap1.75B

Analysts50

Price Target124.24 (3.06%)

Short Float %6.78%

Short Ratio8.66

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.59%

Yearly Dividend2.94

Dividend Growth(5Y)6.41%

DP30.44%

Div Incr Years13

Div Non Decr Years22

Ex-Date07-15 2025-07-15 (0.79)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)4.29%

Min EPS beat(2)-0.78%

Max EPS beat(2)9.36%

EPS beat(4)3

Avg EPS beat(4)3.06%

Min EPS beat(4)-0.78%

Max EPS beat(4)9.36%

EPS beat(8)6

Avg EPS beat(8)3.29%

EPS beat(12)9

Avg EPS beat(12)3.45%

EPS beat(16)13

Avg EPS beat(16)6.33%

Revenue beat(2)0

Avg Revenue beat(2)-3.13%

Min Revenue beat(2)-6.2%

Max Revenue beat(2)-0.07%

Revenue beat(4)1

Avg Revenue beat(4)-1.67%

Min Revenue beat(4)-6.2%

Max Revenue beat(4)1.22%

Revenue beat(8)2

Avg Revenue beat(8)-1.89%

Revenue beat(12)4

Avg Revenue beat(12)-1.18%

Revenue beat(16)7

Avg Revenue beat(16)-0.77%

PT rev (1m)0%

PT rev (3m)0.94%

EPS NQ rev (1m)-0.17%

EPS NQ rev (3m)4.61%

EPS NY rev (1m)0.12%

EPS NY rev (3m)5%

Revenue NQ rev (1m)-0.13%

Revenue NQ rev (3m)2.12%

Revenue NY rev (1m)2.81%

Revenue NY rev (3m)4.94%

Valuation

		Industry Rank	Sector Rank
PE	14.51
Fwd PE	14.91
P/S	4.74
P/FCF	13.54
P/OCF	13.3
P/B	2.31
P/tB	2.92
EV/EBITDA	N/A

EPS(TTM)8.31

EY6.89%

EPS(NY)8.08

Fwd EY6.71%

FCF(TTM)8.9

FCFY7.38%

OCF(TTM)9.06

OCFY7.52%

SpS25.42

BVpS52.23

TBVpS41.22

PEG (NY)5.59

PEG (5Y)1.86

Profitability

		Industry Rank	Sector Rank
ROA	2.21%
ROE	19.32%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	39.7%
GM	N/A
FCFM	35.01%

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

ROICexcg growth 3YN/A

ROICexcg 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 Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.46
Debt/FCF	2.7
Debt/EBITDA	N/A
Cap/Depr	56.36%
Cap/Sales	0.64%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	88.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC10.1%

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)7.23%

EPS 3Y11.64%

EPS 5Y7.8%

EPS Q2Q%16.84%

EPS Next Y2.6%

EPS Next 2Y1.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.28%

Revenue growth 3Y9.24%

Revenue growth 5Y5.01%

Sales Q2Q%6.29%

Revenue Next Year5.72%

Revenue Next 2Y3.69%

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 1Y3.19%

FCF growth 3Y9.28%

FCF growth 5Y5.19%

OCF growth 1Y3.18%

OCF growth 3Y8.84%

OCF growth 5Y4.67%

CITY HOLDING CO (CHCO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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