124.86 USD
+1.77 (+1.44%)
Last: Feb 2, 2026, 11:44 AM
Taking everything into account, CHCO scores 3 out of 10 in our fundamental rating. CHCO was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of CHCO while its profitability can be described as average. CHCO has a expensive valuation and it also scores bad on growth. Finally CHCO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CHCO had positive earnings in the past year.
- CHCO had a positive operating cash flow in the past year.
- Each year in the past 5 years CHCO has been profitable.
- CHCO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CHCO has a Return On Assets of 1.90%. This is amongst the best in the industry. CHCO outperforms 94.78% of its industry peers.
- Looking at the Return On Equity, with a value of 15.83%, CHCO belongs to the top of the industry, outperforming 94.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 15.83% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 41.37%, CHCO belongs to the top of the industry, outperforming 95.56% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.37% | ||
| 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
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.
- CHCO has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of CHCO is 2.89, which is a good value as it means it would take CHCO, 2.89 years of fcf income to pay off all of its debts.
- CHCO has a worse Debt to FCF ratio (2.89) than 61.36% of its industry peers.
- A Debt/Equity ratio of 0.46 indicates that CHCO is not too dependend on debt financing.
- CHCO's Debt to Equity ratio of 0.46 is on the low side compared to the rest of the industry. CHCO is outperformed by 74.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 2.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 13.31% over the past year.
- Measured over the past years, CHCO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.82% on average per year.
- The Revenue for CHCO has decreased by -14.15% in the past year. This is quite bad
- The Revenue has been growing slightly by 5.77% on average over the past years.
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
- The Earnings Per Share is expected to grow by 2.96% 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 2.94% on average per year.
EPS Next Y0.4%
EPS Next 2Y2.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.7%
Revenue Next 2Y2.94%
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.
4. Valuation
4.1 Price/Earnings Ratio
- CHCO is valuated correctly with a Price/Earnings ratio of 13.97.
- Based on the Price/Earnings ratio, CHCO is valued a bit more expensive than 60.31% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. CHCO is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 13.91 indicates a correct valuation of CHCO.
- 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 69.71% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. CHCO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.97 | ||
| Fwd PE | 13.91 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.1 | ||
| 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)34.68
PEG (5Y)1.01
EPS Next 2Y2.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CHCO has a Yearly Dividend Yield of 2.85%. Purely for dividend investing, there may be better candidates out there.
- CHCO's Dividend Yield is comparable with the industry average which is at 2.67.
- CHCO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
5.2 History
- The dividend of CHCO is nicely growing with an annual growth rate of 6.41%!
- 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
- 36.59% of the earnings are spent on dividend by CHCO. This is a low number and sustainable payout ratio.
- The dividend of CHCO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.59%
EPS Next 2Y2.96%
EPS Next 3YN/A
CITY HOLDING CO / CHCO 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.
How profitable is CITY HOLDING CO (CHCO) stock?
CITY HOLDING CO (CHCO) has a profitability rating of 5 / 10.
What is the earnings growth outlook for CITY HOLDING CO?
The Earnings per Share (EPS) of CITY HOLDING CO (CHCO) is expected to grow by 0.4% in the next year.
How sustainable is the dividend of CITY HOLDING CO (CHCO) stock?
The dividend rating of CITY HOLDING CO (CHCO) is 7 / 10 and the dividend payout ratio is 36.59%.