(CHCO) City Holding - Ratings and Ratios
Deposits, Loans, Mortgages, Wealth Management, Treasury Services
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.6% |
| Value at Risk 5%th | 35.7% |
| Relative Tail Risk | -7.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.32 |
| Alpha | -13.68 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.444 |
| Beta | 0.531 |
| Beta Downside | 0.458 |
| Drawdowns 3y | |
|---|---|
| Max DD | 18.38% |
| Mean DD | 7.84% |
| Median DD | 8.53% |
Description: CHCO City Holding November 13, 2025
City Holding Company (NASDAQ: CHCO) is the parent of City National Bank of West Virginia, delivering a full suite of banking, trust, and investment services across the United States. Its product lineup includes retail deposits (checking, savings, money-market, CDs, IRAs), a broad array of loan products (commercial & industrial, commercial real-estate, residential mortgages, home-equity, and consumer secured/unsecured loans), and ancillary services such as treasury management, merchant credit cards, wealth-management, corporate trust, and digital banking channels.
Key operating metrics (as of the latest 10-K) show total assets of roughly $4.5 billion, a loan-to-deposit ratio near 78 %, and a net interest margin (NIM) of about 3.2 %. The bank’s return on assets (ROA) has hovered around 0.9 % over the past twelve months, reflecting modest profitability typical of regional banks that balance low-margin deposit taking with higher-margin loan underwriting.
Sector-level drivers that materially affect CHCO include the Federal Reserve’s interest-rate trajectory (higher rates generally expand NIM but can suppress loan demand), the health of the U.S. small-business sector (a primary borrower base for its commercial and industrial loans), and regional housing market dynamics that influence mortgage and home-equity activity. Recent data from the FDIC indicate that regional banks with asset sizes under $10 billion have been experiencing net loan growth of 2-3 % YoY, suggesting a modest tailwind for CHCO’s loan portfolio.
For a deeper quantitative dive, the ValueRay platform offers granular, up-to-date metrics on CHCO’s valuation and risk profile.
CHCO Stock Overview
| Market Cap in USD | 1,715m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1993-02-19 |
| Return 12m vs S&P 500 | -15.0% |
| Analyst Rating | 3.0 of 5 |
CHCO Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 2.73% |
| Yield on Cost 5y | 5.50% |
| Yield CAGR 5y | 6.52% |
| Payout Consistency | 93.3% |
| Payout Ratio | 37.2% |
CHCO Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 8.80% |
| CAGR/Max DD Calmar Ratio | 0.48 |
| CAGR/Mean DD Pain Ratio | 1.12 |
| Current Volume | 68.9k |
| Average Volume | 77.1k |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (127.6m TTM) > 0 and > 6% of Revenue (6% = 23.1m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.09pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1192 % (prev -1415 %; Δ 222.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 130.8m > Net Income 127.6m (YES >=105%, WARN >=100%) |
| Net Debt (293.4m) to EBITDA (169.4m) ratio: 1.73 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (14.5m) change vs 12m ago -1.30% (target <= -2.0% for YES) |
| Gross Margin 77.89% (prev 77.53%; Δ 0.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.87% (prev 5.63%; Δ 0.24pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.79 (EBITDA TTM 169.4m / Interest Expense TTM 87.2m) >= 6 (WARN >= 3) |
Altman Z'' -3.74
| (A) -0.69 = (Total Current Assets 1.05b - Total Current Liabilities 5.63b) / Total Assets 6.67b |
| (B) 0.14 = Retained Earnings (Balance) 916.0m / Total Assets 6.67b |
| (C) 0.02 = EBIT TTM 156.4m / Avg Total Assets 6.55b |
| (D) 0.15 = Book Value of Equity 879.4m / Total Liabilities 5.87b |
| Total Rating: -3.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 83.28
| 1. Piotroski 3.0pt |
| 2. FCF Yield 10.55% |
| 3. FCF Margin 33.21% |
| 4. Debt/Equity 0.65 |
| 5. Debt/Ebitda 1.73 |
| 6. ROIC - WACC (= 6.88)% |
| 7. RoE 16.73% |
| 8. Rev. Trend 93.61% |
| 9. EPS Trend 58.94% |
What is the price of CHCO shares?
Over the past week, the price has changed by -1.51%, over one month by -2.12%, over three months by -3.19% and over the past year by -4.88%.
Is CHCO a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CHCO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 129.5 | 8.9% |
| Analysts Target Price | 129.5 | 8.9% |
| ValueRay Target Price | 126 | 6% |
CHCO Fundamental Data Overview November 20, 2025
P/E Trailing = 13.5343
P/E Forward = 16.4204
P/S = 5.569
P/B = 2.1173
P/EG = 1.88
Beta = 0.523
Revenue TTM = 384.3m USD
EBIT TTM = 156.4m USD
EBITDA TTM = 169.4m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
Short Term Debt = 369.0m USD (from shortTermDebt, last quarter)
Debt = 519.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 293.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.21b USD (1.71b + Debt 519.0m - CCE 1.02b)
Interest Coverage Ratio = 1.79 (Ebit TTM 156.4m / Interest Expense TTM 87.2m)
FCF Yield = 10.55% (FCF TTM 127.7m / Enterprise Value 1.21b)
FCF Margin = 33.21% (FCF TTM 127.7m / Revenue TTM 384.3m)
Net Margin = 33.19% (Net Income TTM 127.6m / Revenue TTM 384.3m)
Gross Margin = 77.89% ((Revenue TTM 384.3m - Cost of Revenue TTM 85.0m) / Revenue TTM)
Gross Margin QoQ = 79.52% (prev 80.04%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.21b / Total Assets 6.67b)
Interest Expense / Debt = 4.04% (Interest Expense 21.0m / Debt 519.0m)
Taxrate = 19.75% (8.66m / 43.8m)
NOPAT = 125.5m (EBIT 156.4m * (1 - 19.75%))
Current Ratio = 0.19 (Total Current Assets 1.05b / Total Current Liabilities 5.63b)
Debt / Equity = 0.65 (Debt 519.0m / totalStockholderEquity, last quarter 798.9m)
Debt / EBITDA = 1.73 (Net Debt 293.4m / EBITDA 169.4m)
Debt / FCF = 2.30 (Net Debt 293.4m / FCF TTM 127.7m)
Total Stockholder Equity = 762.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.91% (Net Income 127.6m / Total Assets 6.67b)
RoE = 16.73% (Net Income TTM 127.6m / Total Stockholder Equity 762.5m)
RoCE = 17.14% (EBIT 156.4m / Capital Employed (Equity 762.5m + L.T.Debt 150.0m))
RoIC = 13.76% (NOPAT 125.5m / Invested Capital 912.5m)
WACC = 6.87% (E(1.71b)/V(2.23b) * Re(7.97%) + D(519.0m)/V(2.23b) * Rd(4.04%) * (1-Tc(0.20)))
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.09%
[DCF Debug] Terminal Value 79.07% ; FCFE base≈128.3m ; Y1≈135.5m ; Y5≈160.5m
Fair Price DCF = 195.1 (DCF Value 2.81b / Shares Outstanding 14.4m; 5y FCF grow 6.18% → 3.0% )
EPS Correlation: 58.94 | EPS CAGR: 6.06% | SUE: 2.00 | # QB: 3
Revenue Correlation: 93.61 | Revenue CAGR: 11.71% | SUE: 1.00 | # QB: 11
Additional Sources for CHCO Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle