CITY HOLDING CO (CHCO) Fundamental Analysis & Valuation

NASDAQ:CHCO • US1778351056

Current stock price

127.06 USD
+0.95 (+0.75%)
Last:

This CHCO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CHCO Profitability Analysis

1.1 Basic Checks

  • CHCO had positive earnings in the past year.
  • In the past year CHCO had a positive cash flow from operations.
  • In the past 5 years CHCO has always 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of CHCO (1.92%) is better than 95.23% of its industry peers.
  • With an excellent Return On Equity value of 15.97%, CHCO belongs to the best of the industry, outperforming 94.43% of the companies in the same industry.
Industry RankSector Rank
ROA 1.92%
ROE 15.97%
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
CHCO Yearly ROA, ROE, ROICCHCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CHCO has a Profit Margin of 41.17%. This is amongst the best in the industry. CHCO outperforms 96.29% of its industry peers.
  • CHCO's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 41.17%
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
CHCO Yearly Profit, Operating, Gross MarginsCHCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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2

2. CHCO Health Analysis

2.1 Basic Checks

  • CHCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CHCO has less shares outstanding
  • CHCO has less shares outstanding than it did 5 years ago.
  • CHCO has a worse debt/assets ratio than last year.
CHCO Yearly Shares OutstandingCHCO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CHCO Yearly Total Debt VS Total AssetsCHCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • CHCO has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as CHCO would need 2.86 years to pay back of all of its debts.
  • CHCO has a Debt to FCF ratio (2.86) which is in line with its industry peers.
  • CHCO has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.45, CHCO is doing worse than 75.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC10.03%
CHCO Yearly LT Debt VS Equity VS FCFCHCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CHCO Growth Analysis

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

  • CHCO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.45% yearly.
  • Based on estimates for the next years, CHCO will show a small growth in Revenue. The Revenue will grow by 3.05% on average per year.
EPS Next Y2.16%
EPS Next 2Y3.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.98%
Revenue Next 2Y3.05%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CHCO Yearly EPS VS EstimatesCHCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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2

4. CHCO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.21, the valuation of CHCO can be described as correct.
  • CHCO's Price/Earnings ratio is a bit more expensive when compared to the industry. CHCO is more expensive than 64.46% of the companies in the same industry.
  • CHCO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.18.
  • The Price/Forward Earnings ratio is 13.91, which indicates a correct valuation of CHCO.
  • Based on the Price/Forward Earnings ratio, CHCO is valued a bit more expensive than the industry average as 72.94% of the companies are valued more cheaply.
  • CHCO is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.21
Fwd PE 13.91
CHCO Price Earnings VS Forward Price EarningsCHCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 14.21
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 CHCO does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.59
PEG (5Y)1.03
EPS Next 2Y3.45%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CHCO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.72%, CHCO has a reasonable but not impressive dividend return.
  • CHCO's Dividend Yield is comparable with the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, CHCO pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.72%

5.2 History

  • On average, the dividend of CHCO grows each year by 7.32%, 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)7.32%
Div Incr Years14
Div Non Decr Years23
CHCO Yearly Dividends per shareCHCO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 36.57% 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.
DP36.57%
EPS Next 2Y3.45%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CHCO Dividend Payout.CHCO Dividend Payout, showing the Payout Ratio.CHCO Dividend Payout.PayoutRetained Earnings

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CHCO Fundamentals: All Metrics, Ratios and Statistics

CITY HOLDING CO

NASDAQ:CHCO (4/14/2026, 2:32:05 PM)

127.06

+0.95 (+0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-28
Inst Owners72.01%
Inst Owner Change-0.44%
Ins Owners1.72%
Ins Owner Change3.23%
Market Cap1.83B
Revenue(TTM)314.17M
Net Income(TTM)129.33M
Analysts50
Price Target133.62 (5.16%)
Short Float %7.25%
Short Ratio8.11
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend3.26
Dividend Growth(5Y)7.32%
DP36.57%
Div Incr Years14
Div Non Decr Years23
Ex-Date04-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.07%
Min EPS beat(2)-5.51%
Max EPS beat(2)9.64%
EPS beat(4)3
Avg EPS beat(4)7.04%
Min EPS beat(4)-5.51%
Max EPS beat(4)14.66%
EPS beat(8)6
Avg EPS beat(8)4.37%
EPS beat(12)8
Avg EPS beat(12)2.66%
EPS beat(16)12
Avg EPS beat(16)4.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.73%
Min Revenue beat(2)-3.39%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)-0.68%
Min Revenue beat(4)-3.39%
Max Revenue beat(4)0.82%
Revenue beat(8)2
Avg Revenue beat(8)-1.24%
Revenue beat(12)3
Avg Revenue beat(12)-1.8%
Revenue beat(16)5
Avg Revenue beat(16)-1.14%
PT rev (1m)0%
PT rev (3m)1.87%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.87%
EPS NY rev (1m)0.18%
EPS NY rev (3m)1.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.19%
Valuation
Industry RankSector Rank
PE 14.21
Fwd PE 13.91
P/S 5.81
P/FCF 14.21
P/OCF 13.9
P/B 2.26
P/tB 2.8
EV/EBITDA N/A
EPS(TTM)8.94
EY7.04%
EPS(NY)9.13
Fwd EY7.19%
FCF(TTM)8.94
FCFY7.03%
OCF(TTM)9.14
OCFY7.2%
SpS21.86
BVpS56.35
TBVpS45.36
PEG (NY)6.59
PEG (5Y)1.03
Graham Number106.46
Profitability
Industry RankSector Rank
ROA 1.92%
ROE 15.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.17%
GM N/A
FCFM 40.89%
ROA(3y)1.85%
ROA(5y)1.75%
ROE(3y)16.2%
ROE(5y)15.78%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.86
Debt/EBITDA N/A
Cap/Depr 68.19%
Cap/Sales 0.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.03%
ROIC/WACCN/A
Cap/Depr(3y)65.8%
Cap/Depr(5y)58.78%
Cap/Sales(3y)0.96%
Cap/Sales(5y)1.03%
Profit Quality(3y)109.82%
Profit Quality(5y)111.09%
High Growth Momentum
Growth
EPS 1Y (TTM)13.31%
EPS 3Y9.55%
EPS 5Y13.82%
EPS Q2Q%12.37%
EPS Next Y2.16%
EPS Next 2Y3.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.15%
Revenue growth 3Y7.61%
Revenue growth 5Y5.77%
Sales Q2Q%11.84%
Revenue Next Year2.98%
Revenue Next 2Y3.05%
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-0.57%
FCF growth 3Y4.15%
FCF growth 5Y8.79%
OCF growth 1Y-0.4%
OCF growth 3Y4.3%
OCF growth 5Y7.91%

CITY HOLDING CO / CHCO Fundamental Analysis 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.


Can you provide the profitability details for CITY HOLDING CO?

CITY HOLDING CO (CHCO) has a profitability rating of 5 / 10.


What are the PE and PB ratios of CITY HOLDING CO (CHCO) stock?

The Price/Earnings (PE) ratio for CITY HOLDING CO (CHCO) is 14.21 and the Price/Book (PB) ratio is 2.26.


How financially healthy is CITY HOLDING CO?

The financial health rating of CITY HOLDING CO (CHCO) is 2 / 10.