City Holding Company (CHCO) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts.
Analysis Summary
City Holding Company reported revenue of $392.1M in the most recent fiscal year, growing at a 5-year CAGR of 9.0%. Net income reached $130.5M, with a 7.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 78.8%, operating margin 38.0%, net margin 34.7%. Free cash flow grew at 8.8% CAGR over 5 years.
At the current price of $144.06, CHCO trades at a P/E of 15.74 and an ROE of 16.41%. Market capitalisation stands at $2.0B.
Balance sheet quality for CHCO: current ratio of 0.2, net cash position of $461.6M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $128.4M represents 98% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $144.06 |
| Market Cap | $2.0B |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 15.74 |
| Price / Book | 2.50 |
| EV / EBITDA | 13.16 |
| Dividend Yield | 2.42% |
Profitability
| Return on Equity | 16.41% |
| Return on Invested Capital | 8.09% |
| Return on Assets | 1.95% |
| Gross Margin | 78.78% |
| Operating Margin | 38.00% |
| Net Margin | 34.71% |
Financial Health
| Debt / Equity | 0.65 |
| Current Ratio | 0.31 |
| Piotroski F-Score | 9 |
| Altman Z-Score | -0.33 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CHCO | City Holding Company | $2.0B | 15.74 | 2.50 | 16.4% |
| EFSC | Enterprise Financial Services Corp | $2.3B | 12.45 | 1.13 | 9.4% |
| NWBI | Northwest Bancshares, Inc. | $2.2B | 14.82 | 1.19 | 8.1% |
| NIC | Nicolet Bankshares, Inc. | $2.9B | 18.18 | 1.09 | 8.8% |
| FCF | First Commonwealth Financial Corporation | $2.2B | 13.15 | 1.40 | 10.8% |
| STEL | Stellar Bancorp, Inc. | $2.0B | 19.18 | 1.20 | 6.4% |
| OFG | OFG Bancorp | $2.2B | 10.46 | 1.58 | 15.9% |
Price Performance
| 1 month | -1.48% |
| 3 months | +13.33% |
| Year-to-date | +20.86% |
| 1 year | +16.04% |
| 3 years | +62.23% |
52-Week Range
| 52-week High | $148.99 |
| 52-week Low | $113.21 |
| Avg Volume (90d) | 119K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-07-15 | $0.8700 | 2.42% |
| 2026-04-15 | $0.8700 | 2.42% |
| 2026-01-15 | $0.8700 | 2.42% |
| 2025-10-15 | $0.8700 | 2.42% |
| 2025-07-15 | $0.7900 | 2.19% |
| 2025-04-15 | $0.7900 | 2.19% |
| 2025-01-15 | $0.7900 | 2.19% |
| 2024-10-15 | $0.7900 | 2.19% |
| 2024-07-15 | $0.7150 | 1.99% |
| 2024-04-12 | $0.7150 | 1.99% |
Related companies: CCB · EFSC · FCF · LKFN · NIC · NWBI · OFG
Explore sector: Financial Services · Banks - Regional
More sections of CHCO: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Radar — undervalued stock signals · Investment Academy — learn to analyze stocks