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CITY HOLDING CO (CHCO) Stock Fundamental Analysis

USA - NASDAQ:CHCO - US1778351056 - Common Stock

120.36 USD
-1.09 (-0.9%)
Last: 10/21/2025, 8:04:45 PM
120.36 USD
0 (0%)
After Hours: 10/21/2025, 8:04:45 PM
Fundamental Rating

4

Overall CHCO gets a fundamental rating of 4 out of 10. We evaluated CHCO against 391 industry peers in the Banks industry. CHCO has a medium profitability rating, but doesn't score so well on its financial health evaluation. CHCO is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year CHCO was profitable.
CHCO had a positive operating cash flow in the past year.
Each year in the past 5 years CHCO has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

CHCO has a better Return On Assets (1.84%) than 95.65% of its industry peers.
CHCO has a better Return On Equity (15.85%) than 94.63% of its industry peers.
Industry RankSector Rank
ROA 1.84%
ROE 15.85%
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
CHCO Yearly ROA, ROE, ROICCHCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 40.33%, CHCO belongs to the top of the industry, outperforming 95.40% of the companies in the same industry.
CHCO's Profit Margin has been stable 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) 40.33%
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
CHCO Yearly Profit, Operating, Gross MarginsCHCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CHCO Yearly Total Debt VS Total AssetsCHCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

CHCO has a debt to FCF ratio of 2.64. This is a good value and a sign of high solvency as CHCO would need 2.64 years to pay back of all of its debts.
CHCO's Debt to FCF ratio of 2.64 is in line compared to the rest of the industry. CHCO outperforms 41.43% of its industry peers.
CHCO has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
CHCO's Debt to Equity ratio of 0.44 is on the low side compared to the rest of the industry. CHCO is outperformed by 75.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 2.64
Altman-Z N/A
ROIC/WACCN/A
WACC9.92%
CHCO Yearly LT Debt VS Equity VS FCFCHCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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3

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%.
The Earnings Per Share has been growing slightly by 7.80% on average over the past years.
Looking at the last year, CHCO shows a very negative growth in Revenue. The Revenue has decreased by -16.61% in the last year.
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)-16.61%
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 4.16% yearly.
The Revenue is expected to grow by 3.69% on average over the next years.
EPS Next Y12.06%
EPS Next 2Y4.16%
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.
CHCO Yearly Revenue VS EstimatesCHCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
CHCO Yearly EPS VS EstimatesCHCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.48, CHCO is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CHCO indicates a slightly more expensive valuation: CHCO is more expensive than 67.01% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.77. CHCO is valued slightly cheaper when compared to this.
CHCO is valuated correctly with a Price/Forward Earnings ratio of 14.06.
Based on the Price/Forward Earnings ratio, CHCO is valued a bit more expensive than 72.12% of the companies in the same industry.
CHCO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.23.
Industry RankSector Rank
PE 14.48
Fwd PE 14.06
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHCO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.53
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.2
PEG (5Y)1.86
EPS Next 2Y4.16%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CHCO has a Yearly Dividend Yield of 2.97%.
Compared to an average industry Dividend Yield of 3.60, CHCO has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CHCO pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.97%

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
CHCO Yearly Dividends per shareCHCO Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

37.42% 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.
DP37.42%
EPS Next 2Y4.16%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
CHCO Dividend Payout.CHCO Dividend Payout, showing the Payout Ratio.CHCO Dividend Payout.PayoutRetained Earnings

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CITY HOLDING CO

NASDAQ:CHCO (10/21/2025, 8:04:45 PM)

After market: 120.36 0 (0%)

120.36

-1.09 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-23 2025-10-23/bmo
Inst Owners73.94%
Inst Owner Change-0.02%
Ins Owners1.79%
Ins Owner Change-1.14%
Market Cap1.74B
Analysts50
Price Target135.25 (12.37%)
Short Float %6.73%
Short Ratio10.16
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
Yearly Dividend2.94
Dividend Growth(5Y)6.41%
DP37.42%
Div Incr Years13
Div Non Decr Years22
Ex-Date10-15 2025-10-15 (0.87)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.01%
Min EPS beat(2)9.36%
Max EPS beat(2)14.66%
EPS beat(4)3
Avg EPS beat(4)6.6%
Min EPS beat(4)-0.78%
Max EPS beat(4)14.66%
EPS beat(8)6
Avg EPS beat(8)3.62%
EPS beat(12)9
Avg EPS beat(12)3.68%
EPS beat(16)13
Avg EPS beat(16)6.06%
Revenue beat(2)1
Avg Revenue beat(2)0.38%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)0.82%
Revenue beat(4)2
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)1.22%
Revenue beat(8)2
Avg Revenue beat(8)-2%
Revenue beat(12)4
Avg Revenue beat(12)-1.24%
Revenue beat(16)7
Avg Revenue beat(16)-0.77%
PT rev (1m)0%
PT rev (3m)8.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.51%
EPS NY rev (1m)0%
EPS NY rev (3m)9.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.73%
Valuation
Industry RankSector Rank
PE 14.48
Fwd PE 14.06
P/S 5.81
P/FCF 13.53
P/OCF 13.3
P/B 2.28
P/tB 2.88
EV/EBITDA N/A
EPS(TTM)8.31
EY6.9%
EPS(NY)8.56
Fwd EY7.11%
FCF(TTM)8.9
FCFY7.39%
OCF(TTM)9.05
OCFY7.52%
SpS20.73
BVpS52.74
TBVpS41.77
PEG (NY)1.2
PEG (5Y)1.86
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 15.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.33%
GM N/A
FCFM 42.91%
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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 2.64
Debt/EBITDA N/A
Cap/Depr 53.49%
Cap/Sales 0.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.92%
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 Y12.06%
EPS Next 2Y4.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.61%
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 1Y-4.52%
FCF growth 3Y9.28%
FCF growth 5Y5.19%
OCF growth 1Y-4.76%
OCF growth 3Y8.84%
OCF growth 5Y4.67%