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CITY HOLDING CO (CHCO) Stock Fundamental Analysis

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

113.13  -0.61 (-0.54%)

Fundamental Rating

4

CHCO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. There are concerns on the financial health of CHCO while its profitability can be described as average. CHCO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

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.
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 Return On Assets of 2.25%. This is amongst the best in the industry. CHCO outperforms 96.48% of its industry peers.
CHCO has a better Return On Equity (19.89%) than 97.24% of its industry peers.
Industry RankSector Rank
ROA 2.25%
ROE 19.89%
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

CHCO's Profit Margin of 39.70% is amongst the best of the industry. CHCO outperforms 95.48% of its industry peers.
In the last couple of years the Profit Margin of CHCO has remained more or less at the same level.
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) 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.
CHCO has less shares outstanding than it did 1 year ago.
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 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 2.52. This is a good value and a sign of high solvency as CHCO would need 2.52 years to pay back of all of its debts.
CHCO's Debt to FCF ratio of 2.52 is in line compared to the rest of the industry. CHCO outperforms 46.73% of its industry peers.
A Debt/Equity ratio of 0.45 indicates that CHCO is not too dependend on debt financing.
CHCO has a Debt to Equity ratio of 0.45. This is in the lower half of the industry: CHCO underperforms 74.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.52
Altman-Z N/A
ROIC/WACCN/A
WACC10.23%
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 3.68%.
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.
Looking at the last year, CHCO shows a very strong growth in Revenue. The Revenue has grown by 26.25%.
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)3.68%
EPS 3Y11.64%
EPS 5Y7.8%
EPS Q2Q%5.43%
Revenue 1Y (TTM)26.25%
Revenue growth 3Y9.24%
Revenue growth 5Y5.01%
Sales Q2Q%4.07%

3.2 Future

CHCO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.42% yearly.
The Revenue is expected to grow by 1.48% on average over the next years.
EPS Next Y-2.29%
EPS Next 2Y0.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.75%
Revenue Next 2Y1.48%
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 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 14.34 indicates a correct valuation of CHCO.
Compared to the rest of the industry, the Price/Earnings ratio of CHCO indicates a slightly more expensive valuation: CHCO is more expensive than 69.10% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. CHCO is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 14.67, which indicates a correct valuation of CHCO.
CHCO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CHCO is more expensive than 72.11% of the companies in the same industry.
CHCO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.34
Fwd PE 14.67
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.89
EV/EBITDA N/A
CHCO Per share dataCHCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.84
EPS Next 2Y0.42%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CHCO has a Yearly Dividend Yield of 2.78%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.66, CHCO is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.51, CHCO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.78%

5.2 History

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

CHCO pays out 29.93% of its income as dividend. This is a sustainable payout ratio.
The dividend of CHCO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.93%
EPS Next 2Y0.42%
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 (4/21/2025, 12:37:39 PM)

113.13

-0.61 (-0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners72.98%
Inst Owner Change0.41%
Ins Owners2.18%
Ins Owner Change3.27%
Market Cap1.67B
Analysts50.91
Price Target126.99 (12.25%)
Short Float %6.61%
Short Ratio16.12
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly Dividend2.94
Dividend Growth(5Y)6.41%
DP29.93%
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)1.18%
Min EPS beat(2)-0.78%
Max EPS beat(2)3.15%
EPS beat(4)3
Avg EPS beat(4)1.7%
Min EPS beat(4)-0.78%
Max EPS beat(4)3.93%
EPS beat(8)5
Avg EPS beat(8)0.46%
EPS beat(12)9
Avg EPS beat(12)3.59%
EPS beat(16)13
Avg EPS beat(16)6.37%
Revenue beat(2)1
Avg Revenue beat(2)-2.49%
Min Revenue beat(2)-6.2%
Max Revenue beat(2)1.22%
Revenue beat(4)1
Avg Revenue beat(4)-1.81%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)1.22%
Revenue beat(8)2
Avg Revenue beat(8)-2.36%
Revenue beat(12)4
Avg Revenue beat(12)-1.3%
Revenue beat(16)7
Avg Revenue beat(16)-0.88%
PT rev (1m)0%
PT rev (3m)-2.23%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)1.09%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.36%
Valuation
Industry RankSector Rank
PE 14.34
Fwd PE 14.67
P/S 4.55
P/FCF 12.89
P/OCF 12.63
P/B 2.28
P/tB 2.92
EV/EBITDA N/A
EPS(TTM)7.89
EY6.97%
EPS(NY)7.71
Fwd EY6.81%
FCF(TTM)8.78
FCFY7.76%
OCF(TTM)8.96
OCFY7.92%
SpS24.86
BVpS49.64
TBVpS38.76
PEG (NY)N/A
PEG (5Y)1.84
Profitability
Industry RankSector Rank
ROA 2.25%
ROE 19.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 39.7%
GM N/A
FCFM 35.3%
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-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.52
Debt/EBITDA N/A
Cap/Depr 64.2%
Cap/Sales 0.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.23%
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)3.68%
EPS 3Y11.64%
EPS 5Y7.8%
EPS Q2Q%5.43%
EPS Next Y-2.29%
EPS Next 2Y0.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.25%
Revenue growth 3Y9.24%
Revenue growth 5Y5.01%
Sales Q2Q%4.07%
Revenue Next Year0.75%
Revenue Next 2Y1.48%
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-4.03%
FCF growth 3Y9.28%
FCF growth 5Y5.19%
OCF growth 1Y-4.13%
OCF growth 3Y8.84%
OCF growth 5Y4.67%