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CITY HOLDING CO (CHCO) Stock Fundamental Analysis

NASDAQ:CHCO - Nasdaq - US1778351056 - Common Stock - Currency: USD

116.72  -1.73 (-1.46%)

Fundamental Rating

4

CHCO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. There are concerns on the financial health of CHCO while its profitability can be described as average. While showing a medium growth rate, CHCO is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

CHCO had positive earnings in the past year.
In the past year CHCO had a positive cash flow from operations.
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

With an excellent Return On Assets value of 2.21%, CHCO belongs to the best of the industry, outperforming 96.46% of the companies in the same industry.
CHCO has a better Return On Equity (19.32%) than 97.22% of its industry peers.
Industry RankSector 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
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

The Profit Margin of CHCO (39.70%) is better than 95.20% of its industry peers.
In the last couple of years the Profit Margin of CHCO has remained more or less at the same level.
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) 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
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.
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
CHCO has a worse debt/assets ratio than last year.
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

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.
The Debt to FCF ratio of CHCO (2.70) is worse than 60.86% of its industry peers.
A Debt/Equity ratio of 0.46 indicates that CHCO is not too dependend on debt financing.
The Debt to Equity ratio of CHCO (0.46) is worse than 77.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 2.7
Altman-Z N/A
ROIC/WACCN/A
WACC10.3%
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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4

3. Growth

3.1 Past

CHCO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.38%.
CHCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.80% yearly.
Looking at the last year, CHCO shows a very strong growth in Revenue. The Revenue has grown by 26.90%.
CHCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.01% yearly.
EPS 1Y (TTM)0.38%
EPS 3Y11.64%
EPS 5Y7.8%
EPS Q2Q%4.57%
Revenue 1Y (TTM)26.9%
Revenue growth 3Y9.24%
Revenue growth 5Y5.01%
Sales Q2Q%3.01%

3.2 Future

The Earnings Per Share is expected to grow by 2.10% on average over the next years.
Based on estimates for the next years, CHCO will show a small growth in Revenue. The Revenue will grow by 2.44% on average per year.
EPS Next Y3.6%
EPS Next 2Y2.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.95%
Revenue Next 2Y2.44%
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 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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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.63 indicates a correct valuation of CHCO.
69.44% 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 26.46, which is the current average of the S&P500 Index.
CHCO is valuated correctly with a Price/Forward Earnings ratio of 14.19.
Based on the Price/Forward Earnings ratio, CHCO is valued a bit more expensive than 73.48% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CHCO to the average of the S&P500 Index (22.30), we can say CHCO is valued slightly cheaper.
Industry RankSector Rank
PE 14.63
Fwd PE 14.19
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 13.11
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)4.06
PEG (5Y)1.88
EPS Next 2Y2.1%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CHCO has a Yearly Dividend Yield of 2.65%.
Compared to an average industry Dividend Yield of 3.46, CHCO has a dividend in line with its industry peers.
CHCO's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.65%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 0.5 1 1.5 2 2.5

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 2Y2.1%
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 (6/4/2025, 11:49:55 AM)

116.72

-1.73 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners72.98%
Inst Owner Change0.69%
Ins Owners2.18%
Ins Owner Change4.14%
Market Cap1.69B
Analysts50.91
Price Target124.78 (6.91%)
Short Float %7.25%
Short Ratio14.1
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend2.94
Dividend Growth(5Y)6.41%
DP30.44%
Div Incr Years13
Div Non Decr Years22
Ex-Date04-15 2025-04-15 (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)1.38%
PT rev (3m)-2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.68%
EPS NY rev (1m)6.03%
EPS NY rev (3m)5.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.39%
Revenue NY rev (1m)2.19%
Revenue NY rev (3m)2.24%
Valuation
Industry RankSector Rank
PE 14.63
Fwd PE 14.19
P/S 4.59
P/FCF 13.11
P/OCF 12.88
P/B 2.23
P/tB 2.83
EV/EBITDA N/A
EPS(TTM)7.98
EY6.84%
EPS(NY)8.22
Fwd EY7.05%
FCF(TTM)8.9
FCFY7.63%
OCF(TTM)9.06
OCFY7.77%
SpS25.42
BVpS52.23
TBVpS41.22
PEG (NY)4.06
PEG (5Y)1.88
Profitability
Industry RankSector 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 RankSector 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
WACC10.3%
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)0.38%
EPS 3Y11.64%
EPS 5Y7.8%
EPS Q2Q%4.57%
EPS Next Y3.6%
EPS Next 2Y2.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.9%
Revenue growth 3Y9.24%
Revenue growth 5Y5.01%
Sales Q2Q%3.01%
Revenue Next Year2.95%
Revenue Next 2Y2.44%
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%