(CHCO) City Holding - Ratings and Ratios
Banking, Loans, Deposits, Mortgages, Investment
CHCO EPS (Earnings per Share)
CHCO Revenue
Description: CHCO City Holding
City Holding Company (CHCO) is a regional bank operating in the United States, classified under the GICS Sub Industry of Regional Banks. The companys stock is listed on NASDAQ under the ticker symbol CHCO.
To evaluate CHCOs performance, key financial metrics such as Return on Equity (RoE) and Price-to-Earnings (P/E) ratio are essential. With a RoE of 16.29%, CHCO demonstrates a relatively strong ability to generate profits from shareholders equity compared to industry averages. The P/E ratio stands at 14.55, indicating the markets expectations for the companys future growth. The forward P/E ratio is slightly higher at 16.42, suggesting anticipated earnings growth.
The regional banking industry is heavily influenced by economic drivers such as interest rates, economic growth, and consumer spending. CHCOs performance is likely tied to these factors, particularly interest rates, as they impact the banks net interest margin (NIM). A rising interest rate environment typically benefits banks by increasing their NIM, as they can charge higher interest rates on loans while paying lower rates on deposits.
Key Performance Indicators (KPIs) for regional banks like CHCO include metrics such as Net Interest Margin (NIM), Efficiency Ratio, and Asset Quality. A strong NIM indicates effective management of interest-earning assets and liabilities. The Efficiency Ratio measures the banks ability to manage expenses relative to revenue. Asset Quality, often measured by metrics like the Non-Performing Assets (NPA) ratio, is crucial for assessing the banks credit risk management.
CHCOs market capitalization is approximately $1.75 billion, categorizing it as a mid-cap stock. This size can influence its growth potential, risk profile, and attractiveness to investors. The stocks beta of 0.54 suggests relatively lower volatility compared to the broader market, making it potentially appealing to risk-averse investors.
CHCO Stock Overview
| Market Cap in USD | 1,717m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1993-02-19 |
CHCO Stock Ratings
| Growth Rating | 48.2% |
| Fundamental | 76.8% |
| Dividend Rating | 64.5% |
| Return 12m vs S&P 500 | -12.2% |
| Analyst Rating | 3.0 of 5 |
CHCO Dividends
| Dividend Yield 12m | 2.71% |
| Yield on Cost 5y | 6.41% |
| Annual Growth 5y | 6.52% |
| Payout Consistency | 93.3% |
| Payout Ratio | 39.0% |
CHCO Growth Ratios
| Growth Correlation 3m | -26.4% |
| Growth Correlation 12m | 29.8% |
| Growth Correlation 5y | 96.5% |
| CAGR 5y | 8.93% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.49 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.17 |
| Sharpe Ratio 12m | -0.89 |
| Alpha | -7.92 |
| Beta | 0.529 |
| Volatility | 24.12% |
| Current Volume | 83.8k |
| Average Volume 20d | 79.2k |
| Stop Loss | 115.8 (-3%) |
| Signal | 0.46 |
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 0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1014 % (prev -1051 %; Δ 36.75pp) (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 (317.7m) to EBITDA (163.5m) ratio: 1.94 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.31 (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 -1.62% (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 5.88% (prev 5.54%; Δ 0.34pp) >=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'' -3.09
| (A) -0.58 = (Total Current Assets 1.73b - Total Current Liabilities 5.59b) / Total Assets 6.60b |
| (B) 0.14 = Retained Earnings (Balance) 893.4m / Total Assets 6.60b |
| (C) 0.02 = EBIT TTM 149.7m / Avg Total Assets 6.47b |
| (D) 0.14 = Book Value of Equity 845.5m / Total Liabilities 5.83b |
| Total Rating: -3.09 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 76.83
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 11.10% = 5.0 |
| 3. FCF Margin 33.88% = 7.50 |
| 4. Debt/Equity 0.64 = 2.30 |
| 5. Debt/Ebitda 1.94 = 0.11 |
| 6. ROIC - WACC (= 6.54)% = 8.17 |
| 7. RoE 16.33% = 1.36 |
| 8. Rev. Trend 92.17% = 6.91 |
| 9. EPS Trend -40.56% = -2.03 |
What is the price of CHCO shares?
Over the past week, the price has changed by +1.52%, over one month by -3.13%, over three months by -4.05% and over the past year by +1.45%.
Is City Holding a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CHCO is around 119.28 USD . This means that CHCO is currently overvalued and has a potential downside of -0.12%.
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 | 132.6 | 11% |
| Analysts Target Price | 132.6 | 11% |
| ValueRay Target Price | 131.2 | 9.8% |
Last update: 2025-10-13 02:05
CHCO Fundamental Data Overview
P/E Trailing = 14.2729
P/E Forward = 16.4204
P/S = 5.7072
P/B = 2.3095
P/EG = 1.88
Beta = 0.529
Revenue TTM = 380.4m USD
EBIT TTM = 149.7m USD
EBITDA TTM = 163.5m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
Short Term Debt = 339.8m USD (from shortTermDebt, last quarter)
Debt = 489.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 317.7m USD (from netDebt column, last quarter)
Enterprise Value = 1.16b USD (1.72b + Debt 489.8m - CCE 1.05b)
Interest Coverage Ratio = 1.69 (Ebit TTM 149.7m / Interest Expense TTM 88.6m)
FCF Yield = 11.10% (FCF TTM 128.9m / Enterprise Value 1.16b)
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 = 0.18 (Enterprise Value 1.16b / Total Assets 6.60b)
Interest Expense / Debt = 4.36% (Interest Expense 21.4m / Debt 489.8m)
Taxrate = 18.89% (7.77m / 41.2m)
NOPAT = 121.4m (EBIT 149.7m * (1 - 18.89%))
Current Ratio = 0.31 (Total Current Assets 1.73b / Total Current Liabilities 5.59b)
Debt / Equity = 0.64 (Debt 489.8m / totalStockholderEquity, last quarter 764.2m)
Debt / EBITDA = 1.94 (Net Debt 317.7m / EBITDA 163.5m)
Debt / FCF = 2.46 (Net Debt 317.7m / FCF TTM 128.9m)
Total Stockholder Equity = 748.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.85% (Net Income 122.2m / Total Assets 6.60b)
RoE = 16.33% (Net Income TTM 122.2m / Total Stockholder Equity 748.1m)
RoCE = 16.67% (EBIT 149.7m / Capital Employed (Equity 748.1m + L.T.Debt 150.0m))
RoIC = 13.52% (NOPAT 121.4m / Invested Capital 898.1m)
WACC = 6.98% (E(1.72b)/V(2.21b) * Re(7.96%) + D(489.8m)/V(2.21b) * Rd(4.36%) * (1-Tc(0.19)))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.07%
[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: -40.56 | EPS CAGR: -58.70% | SUE: -4.0 | # QB: 0
Revenue Correlation: 92.17 | Revenue CAGR: 14.02% | SUE: 1.00 | # QB: 10
Additional Sources for CHCO Stock
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