Overview Dividends

(CHCO) City Holding - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1778351056

Deposits, Loans, Mortgages, Wealth Management, Treasury Services

CHCO EPS (Earnings per Share)

EPS Growth (3Y CAGR): 6.06%
EPS Trend (3Y Correlation): 58.9%

CHCO Revenue

Revenue Growth (3Y CAGR): 14.02%
Revenue Trend (3Y Correlation): 92.2%

Risk via 10d forecast
Volatility	23.8%
Value at Risk 5%th	35.7%
Relative Tail Risk	-8.63%

Reward TTM
Sharpe Ratio	-0.43
Alpha	-16.89

Character TTM
Hurst Exponent	0.424
Beta	0.531
Beta Downside	0.458

Drawdowns 3y
Max DD	18.38%
Mean DD	7.77%
Median DD	8.45%

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	1,724m
Sub-Industry	Regional Banks
IPO / Inception	1993-02-19
Return 12m vs S&P 500	-17.6%
Analyst Rating	3.0 of 5

CHCO Dividends

Dividend Yield	2.68%
Yield on Cost 5y	5.42%
Yield CAGR 5y	6.52%
Payout Consistency	93.3%
Payout Ratio	37.2%

CHCO Growth Ratios

CAGR 3y	10.27%
CAGR/Max DD Calmar Ratio	0.56
CAGR/Mean DD Pain Ratio	1.32
Current Volume	100.1k
Average Volume	75.1k

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (122.2m TTM) > 0 and > 6% of Revenue (6% = 22.8m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.24pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1413 % (prev -1458 %; Δ 45.51pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 131.1m > Net Income 122.2m (YES >=105%, WARN >=100%)

Net Debt (-96.1m) to EBITDA (163.5m) ratio: -0.59 <= 3.0 (WARN <= 3.5)

Current Ratio 0.02 (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 76.83% (prev 79.37%; Δ -2.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.11% (prev 5.46%; Δ 0.65pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.69 (EBITDA TTM 163.5m / Interest Expense TTM 88.6m) >= 6 (WARN >= 3)

Altman Z'' -5.05

(A) -0.89 = (Total Current Assets 96.1m - Total Current Liabilities 5.47b) / Total Assets 6.02b

(B) 0.14 = Retained Earnings (Balance) 852.8m / Total Assets 6.02b

(D) 0.18 = Book Value of Equity 784.7m / Total Liabilities 4.36b

Total Rating: -5.05 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 81.90

1. Piotroski 2.50pt = -2.50

2. FCF Yield 6.13% = 3.06

3. FCF Margin 33.88% = 7.50

4. Debt/Equity 0.21 = 2.48

5. Debt/Ebitda -0.59 = 2.50

6. ROIC - WACC (= 6.47)% = 8.09

7. RoE 10.87% = 0.91

8. Rev. Trend 92.17% = 6.91

9. EPS Trend 58.94% = 2.95

What is the price of CHCO shares?

As of November 14, 2025, the stock is trading at USD 120.69 with a total of 100,096 shares traded.
Over the past week, the price has changed by +1.20%, over one month by +1.38%, over three months by -2.29% and over the past year by -6.11%.

Is City Holding a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, City Holding (NASDAQ:CHCO) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 81.90 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CHCO is around 118.50 USD . This means that CHCO is currently overvalued and has a potential downside of -1.81%.

Is CHCO a buy, sell or hold?

City Holding has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold CHCO.

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	7.3%
Analysts Target Price	129.5	7.3%
ValueRay Target Price	130.4	8%

CHCO Fundamental Data Overview November 06, 2025

Market Cap USD = 1.72b (1.72b USD * 1.0 USD.USD)
P/E Trailing = 13.7005
P/E Forward = 16.4204
P/S = 5.5987
P/B = 2.3095
P/EG = 1.88
Beta = 0.523
Revenue TTM = 380.4m USD
EBIT TTM = 149.7m USD
EBITDA TTM = 163.5m USD
Long Term Debt = 150.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 325.7m USD (from shortTermDebt, last fiscal year)
Debt = 475.7m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -96.1m USD (from netDebt column, last quarter)
Enterprise Value = 2.10b USD (1.72b + Debt 475.7m - CCE 96.1m)
Interest Coverage Ratio = 1.69 (Ebit TTM 149.7m / Interest Expense TTM 88.6m)
FCF Yield = 6.13% (FCF TTM 128.9m / Enterprise Value 2.10b)
FCF Margin = 33.88% (FCF TTM 128.9m / Revenue TTM 380.4m)
Net Margin = 32.12% (Net Income TTM 122.2m / Revenue TTM 380.4m)
Gross Margin = 76.83% ((Revenue TTM 380.4m - Cost of Revenue TTM 88.1m) / Revenue TTM)
Gross Margin QoQ = 80.04% (prev 77.04%)
Tobins Q-Ratio = 0.35 (Enterprise Value 2.10b / Total Assets 6.02b)
Interest Expense / Debt = 4.49% (Interest Expense 21.4m / Debt 475.7m)
Taxrate = 18.89% (7.77m / 41.2m)
NOPAT = 121.4m (EBIT 149.7m * (1 - 18.89%))
Current Ratio = 0.02 (Total Current Assets 96.1m / Total Current Liabilities 5.47b)
Debt / Equity = 0.21 (Debt 475.7m / totalStockholderEquity, last quarter 2.24b)
Debt / EBITDA = -0.59 (Net Debt -96.1m / EBITDA 163.5m)
Debt / FCF = -0.75 (Net Debt -96.1m / FCF TTM 128.9m)
Total Stockholder Equity = 1.12b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.03% (Net Income 122.2m / Total Assets 6.02b)
RoE = 10.87% (Net Income TTM 122.2m / Total Stockholder Equity 1.12b)
RoCE = 11.75% (EBIT 149.7m / Capital Employed (Equity 1.12b + L.T.Debt 150.0m))
RoIC = 13.48% (NOPAT 121.4m / Invested Capital 900.4m)
WACC = 7.01% (E(1.72b)/V(2.20b) * Re(7.94%) + D(475.7m)/V(2.20b) * Rd(4.49%) * (1-Tc(0.19)))
Discount Rate = 7.94% (= 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 79.47% ; FCFE base≈126.2m ; Y1≈137.2m ; Y5≈172.3m
Fair Price DCF = 207.1 (DCF Value 3.00b / Shares Outstanding 14.5m; 5y FCF grow 9.96% → 3.0% )
EPS Correlation: 58.94 | EPS CAGR: 6.06% | SUE: 2.00 | # QB: 3
Revenue Correlation: 92.17 | Revenue CAGR: 14.02% | SUE: 1.00 | # QB: 10

Additional Sources for CHCO Stock

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